SoFi Technologies Q2 Earnings Call Highlights

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SoFi Technologies (NASDAQ:SOFI) reported second-quarter 2026 results marked by 40% year-over-year adjusted nett gross growth, grounds indebtedness originations and continued maturation successful members and products, portion raising its full-year gross outlook.

Adjusted nett gross roseate to $1.2 cardinal successful the quarter, portion adjusted EBITDA accrued 44% from a twelvemonth earlier to $358 million, producing a 30% margin. Adjusted nett income totaled $160 million, oregon $0.12 per share, including an astir $0.005 per-share interaction from a higher-than-expected taxation rate. CFO Chris Lapointe said nett income accrued 61% twelvemonth implicit twelvemonth and that the institution posted its 11th consecutive profitable quarter.

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"We had thing abbreviated of an exceptional quarter," CEO Anthony Noto said, citing a Rule of 40 people of 70, based connected 40% gross maturation and a 30% adjusted EBITDA margin.

Member maturation and cross-buying accelerate

SoFi added a grounds 1.1 cardinal members during the quarter, bringing its full rank to 15.8 million, up 35% twelvemonth implicit year. It besides added 2.2 cardinal products, lifting full products to 24.4 million, an summation of 42% from the prior-year period.

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Noto said the institution added doubly arsenic galore products arsenic members for the archetypal time, which helium described arsenic an important improvement for SoFi's "Everything App" strategy. Cross-buying continued to rise, with 51% of caller products opened by existing members, compared with 43% successful the anterior 4th and 35% successful the 2nd 4th of 2025.