SoFi Targets Massive 72% Net Income Surge in 2026
Feb 19, 2026 (21 hr ago)
Neutral
SoFi projects substantial operational improvement, targeting $825 million in net income for 2026, marking a 72% year-over-year increase.
Projected Profitability Inflection for 2026
Current Operational Performance and Growth Trajectory
- Revenue growth remains robust, showing a 33.2% increase over the last three years3
- However, the company has historically struggled with profitability, reporting negative EBIT and pretax profit margins3
- Recent earnings indicate that gains in interest income are currently being offset by high operational expenditures3
Capital Structure and Historical Headwinds
- The company executed a $1.5 billion stock offering in December 2025 to strengthen its capital base2
- Federal student loan payment suspensions during the pandemic resulted in an estimated $300M–$400M revenue loss between March 2020 and March 20232
- Current consensus sales estimates for the quarter stand at $1.04 billion, implying a 35.1% year-over-year growth rate1
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