S SOFI

SoFi Technologies Inc

FINANCIAL SERVICES

$15.85

+1.41% (+$0.22)

Volume 53.23M

52W High $32.73

52W Low $8.60

Market Cap $12.12B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$0.12

Whisper EPS

$0.14

15.0% above consensus

Last Quarter

$0.13

Current Streak

6 Beats

Avg Surprise (4Q)

+48.73%

Next Earnings Report

Reports in 22 days

Report Date Apr 29, 2026

Time BMO

Whisper Spread +15.00%

Consensus Estimate

$0.12

Official analyst average

Whisper Number

$0.14

What traders expect

Bullish Sentiment: The whisper number is 15.0% 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

Q4 2025 Jan 30, 2026

5-Day: -9.03%

Q3 2025 Oct 28, 2025

1-Day: -2.40%

Q2 2025 Jul 29, 2025

1-Day: -2.37%

Q1 2025 Apr 29, 2025

1-Day: -5.73%

Revenue & Financial Performance

Revenue Whisper

$1.39B

TWN Proprietary Estimate

Last Quarter Revenue

$1.34B

+32.5% YoY

Gross Margin

53.5%

Net Margin: 13.0%

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
Q4 2025	Jan 30, 2026	$0.11	$0.13	$0.13	+18.18%	Met
Q3 2025	Oct 28, 2025	$0.08	$0.09	$0.10	+26.75%	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	$0.01	+0.00%	Missed
Q1 2024	Apr 29, 2024	$0.01	$0.01	$0.02	+100.00%	Beat
Q4 2023	Jan 29, 2024	-$0.01	-$0.01	$0.02	--	Beat
Q3 2023	Oct 30, 2023	-$0.07	-$0.07	-$0.03	+57.14%	Beat
Q2 2023	Jul 31, 2023	-$0.06	-$0.06	-$0.06	+0.00%	Missed
Q1 2023	May 1, 2023	-$0.07	-$0.07	-$0.05	+28.57%	Beat