Filing Flows › SoFi Technologies (SOFI) › Q3 2026
SoFi Technologies (SOFI) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
SoFi Technologies (SOFI) reported revenue of $1.4B for the third quarter 2026 (Q3 2026), +44% from a year earlier and +14% from the quarter before. Operating margin was 22.9%, net earnings $241M (17.4% of revenue).
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.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.4B | +14% | +44% |
| Operating profit | $318M | +56% | +114% |
| Net earnings | $241M | +54% | +73% |
| Operating cash flow | −$3.0B | — | — |
What changed
Revenue was $1.4B in Q3 2026, up 44% year over year and up 14% from the previous quarter.
Operating profit was $0.32B, a 22.9% margin (up 7.5 points year over year). Of the extra revenue versus Q3 2025, 40% reached operating profit, above the 15% margin then. Total costs grew 31% against revenue growth of 44%. The fastest-growing cost line was Other operating costs (+60%). Net earnings were $0.24B, up 73% year over year. The effective tax rate was 24.2%.
Operating cash flow was −$3.0B. Non-cash charges added back $0.08B of depreciation and amortization and $0.07B of share-based compensation. Working capital and other items used $3.4B.
Questions
What was SoFi Technologies' revenue in the third quarter 2026?
SoFi Technologies (SOFI) reported revenue of $1.4B for the third quarter 2026 (Q3 2026), +44% from a year earlier and +14% from the quarter before.
Was SoFi Technologies profitable in the third quarter 2026?
Operating profit was $318M (22.9% of revenue) and net earnings $241M.
Source: SoFi Technologies 10-Q on SEC EDGAR.