Equity Profile

SOFI

SoFi Technologies, Inc.

FinancialsConsumer Finance$20.4B

Jul28Tue

Pre-Earnings Brief

UpcomingQ2-2026Pre-Market9:00 AM EDT

Company Snapshot

SoFi Technologies, Inc. (SOFI) operates in the financial sector, focusing on consumer finance....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of a company's profitability and financial health, which investors closely monitor.

N/A

Revenue Growth

Revenue growth reflects the company's ability to expand its business and attract customers, crucial for long-term success.

N/A

Wall Street expectations, options signals, track record, and call prep available with Pro.

SOFI Q2-2026 Earnings Preview

Context

Company Snapshot

SoFi Technologies, Inc. (SOFI) operates in the financial sector, focusing on consumer finance. The company offers a range of financial products, including loans, investment services, and banking solutions, catering to a growing demographic of tech-savvy consumers seeking modern financial solutions.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+46.16%

Avg Stock Reaction

-3.08%

Last Quarter Recap

In Q1 2026, SoFi reported an EPS of $0.12, matching analyst expectations with a slight surprise. However, the stock dropped by 15.44% the following day, indicating market concerns despite the earnings match.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are cautiously optimistic about SoFi's upcoming earnings, given its consistent EPS surprises in previous quarters. However, the stock's volatility post-earnings raises concerns about sustainability.

Bull Case

If SoFi continues its trend of beating EPS estimates, it could signal strong operational performance and investor confidence, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to meet expectations or provides weak guidance, it could lead to further stock declines, especially given recent market reactions.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will be the EPS for Q2-2026?

Given SoFi's history of EPS surprises, this number will be crucial in determining market sentiment and stock movement.

How is revenue growth trending compared to previous quarters?

Investors will be looking for signs of sustained growth, which is essential for long-term confidence in the company's strategy.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate SoFi's ability to sustain its growth trajectory, especially given its recent operational improvements.

Supporting Evidence

SoFi has consistently beaten EPS estimates in the past, suggesting operational strength.

The options market is pricing a larger move than historical averages, indicating potential for significant volatility.

Recent insider selling may reflect individual strategy rather than company weakness, as the overall market sentiment remains positive.

Key Risk

If the EPS comes in below $0.10, it could challenge the current bullish narrative.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether SoFi can maintain its growth trajectory amid increasing competition and economic pressures.

Bull Confirmed If

An EPS of $0.14 or higher would validate the bullish sentiment and indicate strong operational performance.

Bear Confirmed If

An EPS below $0.10 would confirm bearish concerns about the company's growth and profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±10.05%

Historical Avg

±6.5%

Pricing rich

The options market is pricing in a significant move, suggesting that traders expect volatility around the earnings announcement.

Options are pricing ±10.0% while SOFI has averaged ±6.5% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.6%

30d HV

66.5%

Calls (25.6M)P/C Ratio: 0.29Puts (6.9M)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

This setup has occurred 30 times across Financials in the last 2 years. 12 of 25 faded and 13 held — no strong directional bias after the initial reaction. The average absolute 1-day move is 2.4%, with a raw directional average of -0.0% (roughly flat historical bias).

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$187,551.04

9,742 sh

1 insider

Net

$187,551.04

Net selling

Most Active Insiders· 1 open-market trade

EVP, GBUL, SIPSKeough Kelli
$187,551.04
Net selling

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If SoFi beats expectations, history suggests the stock could see a modest increase, confirming positive operational trends.

In-Line / Cautious

If results are in line with expectations, the stock may remain flat, reflecting cautious investor sentiment.

Miss

Should SoFi miss expectations, history indicates a potential decline of around 3% or more, raising concerns about future growth.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new product offerings or services that could drive growth.
2Management's outlook on consumer spending trends and their impact on loan demand.
3Details on customer acquisition costs and retention rates.
4Insights into competitive pressures and how SoFi plans to differentiate itself.
5Any commentary on regulatory changes affecting the financial services industry.

See the full picture

AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.

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Company Snapshot

SoFi Technologies, Inc. (SOFI) operates in the financial sector, focusing on consumer finance....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of a company's profitability and financial health, which investors closely monitor.

N/A

Revenue Growth

Revenue growth reflects the company's ability to expand its business and attract customers, crucial for long-term success.

N/A

Wall Street expectations, options signals, track record, and call prep available with Pro.

SOFI Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+46.16%

Avg Stock Reaction

-3.08%

Last Quarter Recap

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If SoFi continues its trend of beating EPS estimates, it could signal strong operational performance and investor confidence, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to meet expectations or provides weak guidance, it could lead to further stock declines, especially given recent market reactions.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will be the EPS for Q2-2026?

Given SoFi's history of EPS surprises, this number will be crucial in determining market sentiment and stock movement.

How is revenue growth trending compared to previous quarters?

Investors will be looking for signs of sustained growth, which is essential for long-term confidence in the company's strategy.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate SoFi's ability to sustain its growth trajectory, especially given its recent operational improvements.

Supporting Evidence

SoFi has consistently beaten EPS estimates in the past, suggesting operational strength.

The options market is pricing a larger move than historical averages, indicating potential for significant volatility.

Recent insider selling may reflect individual strategy rather than company weakness, as the overall market sentiment remains positive.

Key Risk

If the EPS comes in below $0.10, it could challenge the current bullish narrative.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether SoFi can maintain its growth trajectory amid increasing competition and economic pressures.

Bull Confirmed If

An EPS of $0.14 or higher would validate the bullish sentiment and indicate strong operational performance.

Bear Confirmed If

An EPS below $0.10 would confirm bearish concerns about the company's growth and profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±10.05%

Historical Avg

±6.5%

Pricing rich

The options market is pricing in a significant move, suggesting that traders expect volatility around the earnings announcement.

Options are pricing ±10.0% while SOFI has averaged ±6.5% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.6%

30d HV

66.5%

Calls (25.6M)P/C Ratio: 0.29Puts (6.9M)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$187,551.04

9,742 sh

1 insider

Net

$187,551.04

Net selling

Most Active Insiders· 1 open-market trade

EVP, GBUL, SIPSKeough Kelli
$187,551.04
Net selling

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If SoFi beats expectations, history suggests the stock could see a modest increase, confirming positive operational trends.

In-Line / Cautious

If results are in line with expectations, the stock may remain flat, reflecting cautious investor sentiment.

Miss

Should SoFi miss expectations, history indicates a potential decline of around 3% or more, raising concerns about future growth.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new product offerings or services that could drive growth.
2Management's outlook on consumer spending trends and their impact on loan demand.
3Details on customer acquisition costs and retention rates.
4Insights into competitive pressures and how SoFi plans to differentiate itself.
5Any commentary on regulatory changes affecting the financial services industry.