Personal, student and home loans
Loan originations hit a record $14.8 billion in Q2 2026, up 69% year over year.
The numbers
What it is
SoFi's core lending business. It originates personal loans for members, plus student and home loans, and funds them on its balance sheet or sells them to institutional buyers. Lending products reached 3.1 million in June 2026.
Why it matters to the stock. Lending is the largest segment by revenue, and loan volume and credit performance drive most of SoFi's net interest income. Origination growth shows whether demand holds up as rates move.
News
SoFi raises 2026 adjusted net revenue guidance to $4.75 billion to $4.85 billion after record Q2
SoFi reported second-quarter 2026 GAAP net revenue of $1.22 billion, up 43%, and net income of $156.6 million.
SoFi posts record Q1 2026 originations and keeps full-year revenue outlook at about $4.655 billion
SoFi reported first-quarter 2026 GAAP net revenue of $1.10 billion, up 43%, and net income of $166.7 million, up 134%.
SoFi reports record Q4 2025 results and guides 2026 adjusted net revenue to about $4.655 billion
SoFi reported fourth-quarter 2025 GAAP net revenue of $1.03 billion, up 40%, and adjusted net revenue of $1.01 billion, up 37%.