---
schema_version: "secwatch.filing_event.v1"
accession: "0001818874-26-000050"
form_type: "8-K"
ticker: "SOFI"
cik: "0001818874"
company_name: "SoFi Technologies, Inc."
filed_at: "2026-07-29T11:06:09+00:00"
generated_at: "2026-07-29T11:10:21.974727+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# SoFi Q2 2026: Record net revenue $1.2B, net income $157M, raises FY guidance

## Summary
- GAAP net revenue $1.22B (+43% YoY); net income $157M (+61% YoY); diluted EPS $0.12.
- Adjusted net revenue $1.21B (+40% YoY); adjusted EBITDA $358M (+44% YoY); record.
- Total loan originations record $14.8B; members 15.8M (+35%); products 24.4M (+42%).
- Cross-buy milestone: 51% of new products from existing members; SoFi Plus/Coach driving.
- FY 2026 adjusted net revenue guidance raised to $4.75B-$4.85B (from prior $4.5B-$4.6B).

## SEC filing metadata
- accession: 0001818874-26-000050
- form_type: 8-K
- ticker: SOFI
- cik: 0001818874
- company_name: SoFi Technologies, Inc.
- filed_at: 2026-07-29T11:06:09+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/0001818874-26-000050-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1818874/000181887426000050/sofi-20260729.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818874-26-000050
- JSON: https://secwatch.observer/filing/0001818874-26-000050.json
- Plain text: https://secwatch.observer/filing/0001818874-26-000050.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.