0001818874-26-000050
SEC filingSoFi二季度业绩创纪录，营收净利双增，上调全年指引，增长强劲。
| 指标 | 本期 | 去年同期 | 同比 |
|---|---|---|---|
| Total Net Revenue (GAAP) | $1,218,676 thousand | $854,944 thousand | 43% |
| Adjusted Net Revenue (Non-GAAP) | $1,205,550 thousand | $858,230 thousand | 40% |
| Net Income (GAAP) | $156,592 thousand | $97,263 thousand | 61% |
| Adjusted EBITDA (Non-GAAP) | $357,821 thousand | $249,083 thousand | 44% |
| Diluted EPS (GAAP) | $0.12 | $0.08 | 50% |
| Adjusted Diluted EPS (Non-GAAP) | $0.12 | $0.08 | 50% |
| Net Interest Income | $788,195 thousand | $517,837 thousand | 52% |
| Total Loan Originations | $14,798,494 thousand | $8,760,953 thousand | 69% |
| Members | 15,814,418 | 11,745,572 | 35% |
| Total Products | 24,380,974 | 17,142,041 | 42% |
| 期间 | 指标 | 指引 | 口径 |
|---|---|---|---|
| FY2026 | Adjusted Net Revenue | $4.75 billion to $4.85 billion | Non-GAAP |
| FY2026 | Adjusted EBITDA | approximately $1.6 billion | Non-GAAP |
| FY2026 | Adjusted Net Income | approximately $825 million | Non-GAAP |
| FY2026 | Adjusted EPS | approximately 60 cents per share | Non-GAAP |
简评
SoFi 2026年第二季度业绩全面创纪录，GAAP净营收达$1.2187B，同比增长43%，调整后净营收$1.2056B，同比增长40%。净利润$156.6M，同比大增61%，稀释后EPS为$0.12。增长主要由Lending部门驱动，其净营收同比增63%至$724.8M，得益于净利息收入增长54%和贷款发放费用增长64%。Financial Services部门净营收增29%至$466.3M，Technology Platform部门营收同比降23%，主要受大客户迁移影响。公司本季度贷款发放总额创纪录达$14.8B，其中个人贷款$10.7B，学生贷款$2.7B（同比增170%），显示强劲的市场需求。
利润率方面，调整后EBITDA利润率达到30%，净息差为5.98%，环比提升4个基点。管理层强调存款成本优势，平均存款利率较仓库融资低156个基点，带来约$712.6M的年化利息支出节省。会员增长35%至15.8M，产品增长42%至24.4M，交叉购买率提升至51%，显示"everything app"战略成效显著。基于强劲表现，管理层上调2026年调整后净营收指引至$47.5亿-$48.5亿，维持调整后EBITDA约$16亿的预期，并预计会员增长至少30%。