Filing Flows › SoFi Technologies (SOFI) › Q3 2026 › vs Q3 2025
SoFi Technologies (SOFI) Q3 2026 vs Q3 2025 (year over year)
SoFi Technologies's revenue rose $423M (+44%) from $962M in Q3 2025 to $1.4B in Q3 2026. Operating margin 22.9% against 15.4% (+7.5 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 22.9% | 15.4% | +7.5 pts |
| Net margin | 17.4% | 14.5% | +2.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $1.4B | $962M | $423M | +44% |
| Operating profit | $318M | $149M | $169M | +114% |
| Costs & expenses | $1.1B | $813M | $254M | +31% |
| Pre-tax earnings | $318M | $149M | $169M | +114% |
| Cost of revenue | $210M | $161M | $48.3M | +30% |
| Research & development | $198M | $167M | $30.5M | +18% |
| Sales & marketing | $444M | $287M | $157M | +55% |
| General & admin | $201M | $188M | $12.7M | +7% |
| Other operating costs | $14.7M | $9.2M | $5.5M | +60% |
| Net earnings | $241M | $139M | $102M | +73% |
| Income tax | $76.8M | $9.2M | $67.7M | +739% |
| Operating cash sources | $3.4B | $1.6B | $1.8B | +117% |
| Depreciation & amortization | $81.3M | $59.2M | $22.0M | +37% |
| Share-based compensation | $70.9M | $66.5M | $4.4M | +7% |
| Cash used in operations | $3.0B | $1.3B | $1.7B | +131% |
| Working capital & other | $3.4B | $1.6B | $1.8B | +117% |
Questions
How much did SoFi Technologies's revenue grow year over year in Q3 2026?
SoFi Technologies's revenue rose $423M (+44%) from $962M in Q3 2025 to $1.4B in Q3 2026. Operating margin 22.9% against 15.4% (+7.5 pts).