Digital financial services company SoFi Technologies (NASDAQ: SOFI) reported Q1 CY2026 results topping the market’s revenue expectations, with sales up 42.8% year on year to $1.1 billion. The company expects the full year’s revenue to be around $4.66 billion, close to analysts’ estimates. Its non-GAAP profit of $0.12 per share was in line with analysts’ consensus estimates.
Is now the time to buy SoFi? Find out by accessing our full research report, it’s free.
SoFi (SOFI) Q1 CY2026 Highlights:
- Revenue: $1.1 billion vs analyst estimates of $1.05 billion (42.8% year-on-year growth, 4.7% beat)
- Pre-tax Profit: $199.6 million (18.1% margin)
- Adjusted EPS: $0.12 vs analyst estimates of $0.12 (in line)
- The company guided to revenue growth next quarter of 30% and EBITDA margin of 30% (both misses)
- The company reconfirmed its revenue guidance for the full year of $4.66 billion at the midpoint
- Market Capitalization: $23.41 billion
Company Overview
Starting as a student loan refinancing company founded by Stanford business school students in 2011, SoFi Technologies (NASDAQ: SOFI) operates a digital financial platform offering lending, banking, investing, and other financial services to help members borrow, save, spend, invest, and protect their money.
Revenue Growth
Reviewing a company’s long-term sales performance reveals insights into its quality. Even a bad business can shine for one or two quarters, but a top-tier one grows for years. Over the last five years, SoFi grew its revenue at an incredible 39.2% compounded annual growth rate. Its growth surpassed the average financials company and shows its offerings resonate with customers, a great starting point for our analysis.
Long-term growth is the most important, but within financials, a half-decade historical view may miss recent interest rate changes and market returns. SoFi’s annualized revenue growth of 33.7% over the last two years is below its five-year trend, but we still think the results suggest healthy demand. 
Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.
This quarter, SoFi reported magnificent year-on-year revenue growth of 42.8%, and its $1.1 billion of revenue beat Wall Street’s estimates by 4.7%.
ONE MORE THING: 3 Hidden Platforms Growing 3X Faster than Amazon, Google, and PayPal. Amazon, Google, and Meta all followed the same playbook: Dominate an ignored market. Build an unbeatable moat. Scale until you’re unstoppable.
These three platforms are running that exact playbook right now. The early investors in Amazon made fortunes. The early investors in these could do the same. Get All 3 Stocks Here for FREE.
Key Takeaways from SoFi’s Q1 Results
We were glad that SoFi's revenue and EBITDA outperformed Wall Street’s estimates. On the other hand, revenue and EBITDA guidance for next quarter came in below expectations. This outlook is weighing on shares. The stock traded down 8.7% to $16.83 immediately following the results.
So should you invest in SoFi right now? If you’re making that decision, you should consider the bigger picture of valuation, business qualities, as well as the latest earnings. We cover that in our actionable full research report which you can read here (it’s free).
