0001818874-26-000037
SEC filingSoFi Q1 2026 营收同比增 43% 至 $1.1B，净利翻倍至 $166.7M，贷款平台业务强劲。
| 指标 | 本期 | 去年同期 | 同比 |
|---|---|---|---|
| Total Net Revenue | $1,100,368K | $771,759K | +43% |
| Net Interest Income | $692,988K | $498,726K | +39% |
| Net Interest Margin | 5.94% | 6.01% | -7 bps |
| Total Noninterest Income | $407,380K | $273,033K | +49% |
| Provision for Credit Losses | $8,895K | $5,678K | +57% |
| Total Noninterest Expense | $891,921K | $686,299K | +30% |
| Net Income | $166,731K | $71,116K | +134% |
| Diluted EPS | $0.12 | $0.06 | +100% |
| Adjusted EBITDA (non-GAAP) | $339,901K | $210,337K | +62% |
Q1 2026 营收增长主要由 Lending 分部驱动，其净利息收入同比增长 39%，得益于贷款余额增长。Loan Platform Business 表现强劲，贡献 $140.8M 营收，同比增长 47%。Technology Platform 分部因大客户流失营收下滑 27%，但成本控制部分抵消了影响。
盈利能力显著提升，Net Income 同比增长 134%，Adjusted EBITDA margin 从 27% 提升至 31%。费用增长 30% 低于营收增速，显示经营杠杆改善。Noninterest Income 增长 49%，主要受 Loan Platform Business 和互换收益驱动。
| 分部 | 营收 | 同比 | 经营利润/EBITDA | 利润率 | 驱动 |
|---|---|---|---|---|---|
| Lending | $642,420K | +55% | $382,386K | 60% | 贷款余额增长，净利息收入增加 |
| Technology Platform | $75,086K | -27% | $11,999K | 16% | 大客户流失，营收下滑 |
| Financial Services | $428,543K | +41% | $195,584K | 46% | 贷款平台业务和交换费收入增长 |
| 项目 | 本期 | 上期/变化 |
|---|---|---|
| Cash and Cash Equivalents | $3,401,020K | -$1,528,432K |
| Total Loans | $42,172,790K | +$4,135,727K |
| Total Deposits | $40,242,697K | +$2,737,302K |
| Total Debt | $1,813,481K | -$1,681K |
| Operating Cash Flow | -$2,314,994K | -$2,336,496K |
| Capex | $67,551K | +$14,947K |