Filing Flows › SoFi Technologies (SOFI) › Q3 2026 › vs Q2 2026
SoFi Technologies (SOFI) Q3 2026 vs Q2 2026 (quarter over quarter)
SoFi Technologies's revenue rose $166M (+14%) from $1.2B in Q2 2026 to $1.4B in Q3 2026. Operating margin 22.9% against 16.8% (+6.2 pts).
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 draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 22.9% | 16.8% | +6.2 pts |
| Net margin | 17.4% | 12.8% | +4.5 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $1.4B | $1.2B | $166M | +14% |
| Operating profit | $318M | $204M | $114M | +56% |
| Costs & expenses | $1.1B | $1.0B | $52.9M | +5% |
| Pre-tax earnings | $318M | $204M | $114M | +56% |
| Cost of revenue | $210M | $200M | $9.6M | +5% |
| Research & development | $198M | $191M | $6.4M | +3% |
| Sales & marketing | $444M | $392M | $51.6M | +13% |
| General & admin | $201M | $217M | −$15.7M | -7% |
| Other operating costs | $14.7M | $13.8M | $983K | +7% |
| Net earnings | $241M | $157M | $84.4M | +54% |
| Income tax | $76.8M | $47.7M | $29.1M | +61% |
| Operating cash sources | $3.4B | $4.2B | −$792M | -19% |
| Depreciation & amortization | $81.3M | $73.1M | $8.1M | +11% |
| Share-based compensation | $70.9M | $76.9M | −$6.0M | -8% |
| Cash used in operations | $3.0B | $3.9B | −$878M | -23% |
| Working capital & other | $3.4B | $4.2B | −$792M | -19% |
Questions
How much did SoFi Technologies's revenue grow quarter over quarter in Q3 2026?
SoFi Technologies's revenue rose $166M (+14%) from $1.2B in Q2 2026 to $1.4B in Q3 2026. Operating margin 22.9% against 16.8% (+6.2 pts).