S SOFI

SoFi Technologies Inc

FINANCIAL SERVICES

$17.71

+3.39% (+$0.58)

Volume 105.08M

52W High $32.73

52W Low $14.23

Market Cap $23.70B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$0.11

Whisper EPS

$0.11

4.1% above consensus

Last Quarter

$0.12

Current Streak

1 Miss

Avg Surprise (4Q)

-2.08%

Next Earnings Report

Reports in 40 days

Report Date Jul 28, 2026

Whisper Spread +4.09%

Consensus Estimate

$0.11

Official analyst average

Whisper Number

$0.11

What traders expect

Bullish Sentiment: The whisper number is 4.1% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q1 2026 May 4, 2026

1-Day: -1.11%

Q1 2026 Apr 29, 2026

1-Day: +3.70%

5-Day: +4.35%

Q4 2025 Jan 30, 2026

5-Day: -9.03%

Q3 2025 Oct 28, 2025

1-Day: -2.40%

Revenue & Financial Performance

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$1.34B	+32.5%	53.5%	37.1%	$173.5M
Q3'25	$1.27B	+28.6%	75.1%	11.7%	$139.4M
Q2'25	$1.13B	+31.2%	74.8%	9.9%	$97.3M
Q1'25	$1.04B	+22.1%	73.9%	7.7%	$71.1M
Q4'24	$1.01B	+17.7%	72.2%	6.0%	$332.5M
Q3'24	$986.2M	+30.4%	69.7%	6.5%	$60.7M
Q2'24	$860.6M	+27.1%	68.2%	1.8%	$17.4M
Q1'24	$849.0M	+39.7%	68.2%	11.1%	$88.0M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q1 2026	May 4, 2026	$0.12	$0.14	$0.12	-4.17%	Missed
Q1 2026	Apr 29, 2026	$0.12	$0.14	$0.12	+0.00%	Missed
Q4 2025	Jan 30, 2026	$0.11	$0.13	$0.12	+9.09%	Missed
Q3 2025	Oct 28, 2025	$0.08	$0.09	$0.10	+25.00%	Beat
Q2 2025	Jul 29, 2025	$0.06	$0.07	$0.09	+50.00%	Beat
Q1 2025	Apr 29, 2025	$0.03	$0.03	$0.06	+100.00%	Beat
Q4 2024	Jan 27, 2025	$0.04	$0.05	$0.05	+25.00%	Beat
Q3 2024	Oct 29, 2024	$0.04	$0.05	$0.05	+25.00%	Beat
Q2 2024	Jul 30, 2024	$0.01	$0.01	$0.02	+100.00%	Beat
Q1 2024	Apr 29, 2024	$0.01	$0.01	$0.03	--	Beat
Q4 2023	Jan 29, 2024	$0.04	-$0.01	$0.04	+0.00%	Beat
Q3 2023	Oct 30, 2023	-$0.09	-$0.07	-$0.03	+66.67%	Beat