Filing Flows › SoFi Technologies (SOFI) › Guidance history
SoFi Technologies (SOFI) guidance history: what it guided and what it reported
SoFi Technologies gave guidance in 12 earnings releases on file since Jan 29, 2024. Of 2 guided periods since reported, it met or beat its own guidance twice (100%). GAAP net income: 1 of 1, on average +30.1% against the guided midpoint. Its releases raised guidance 8 times and lowered it 0 times.
Adjusted revenue
Every guided period is still to be reported.
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| FY2026 | $4.8B–$4.8B (Jul 29, 2026) | — | to be reported | — |
GAAP net income
Met or beat 1 of 1 periods (1 above, 0 within, 0 below).
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| FY2025 | $370M (Jul 29, 2025) | $481M | above the range | +30.1% |
Adjusted net income
The guide is on an adjusted basis that the GAAP statements do not show, so there is no reported figure to hold it to.
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| FY2027 | $840M (Oct 27, 2026) | — | to be reported | — |
| FY2026 | $825M (Apr 29, 2026) → reaffirmed $825M (Jul 29, 2026) | — | to be reported | — |
| Q1 2026 | $160M (Jan 30, 2026) | — | — | — |
| FY2028 | $825M (Jan 30, 2026) | — | to be reported | — |
| FY2025 | $455M (Oct 28, 2025) | — | — | — |
Tax rate
Met or beat 1 of 1 periods (0 above, 0 within, 1 below).
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| FY2026 | 22.0% (Jul 29, 2026) | — | to be reported | — |
| FY2025 | 26.0% (Jan 27, 2025) → reaffirmed 26.0% (Apr 29, 2025) → reaffirmed 26.0% (Jul 29, 2025) | 8.5% | below the range | -17.5 pts |
EBITDA margin
This line is not in the statements Filing Flows reads, so there is no reported figure to hold it to.
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| FY2028 | 34.0% (Jan 30, 2026) | — | to be reported | — |
| FY2025 | 30.0% (Jan 27, 2025) → lowered 28.0% (Jul 29, 2025) | — | — | — |
GAAP EPS
This line is not in the statements Filing Flows reads, so there is no reported figure to hold it to.
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| FY2025 | $0.25–$0.27 (Jan 27, 2025) → raised $0.27–$0.28 (Apr 29, 2025) → raised $0.31 (Jul 29, 2025) | — | — | — |
The latest quarter
SoFi Technologies, Q3 2026: revenue $1.4B (+44% year over year), operating margin 22.9%, net earnings $241M, operating cash flow −$3.0B. The chart follows the revenue to costs, profit and cash.
Questions
Does SoFi Technologies beat its guidance?
SoFi Technologies gave guidance in 12 earnings releases on file since Jan 29, 2024. Of 2 guided periods since reported, it met or beat its own guidance twice (100%). GAAP net income: 1 of 1, on average +30.1% against the guided midpoint.
How often does SoFi Technologies raise guidance?
Its earnings releases raised guidance 8 times and lowered it 0 times since Jan 29, 2024.
Each guided period is held to the last guidance given before its figures were reported; a single figure counts as in line within 1% (0.25 pts for a rate). Reported figures are GAAP, from the company's filings; adjusted guidance shows its moves only.