SO
SOFI
SOFI What SoFi Technologies promised, and what happened
Guidance
What management said, and what became of it
45 of 45 judged targets kept · 17 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Launch new SoFi Bank core banking platform | complete implementation this summer / July 1 launch | Mar 2026 | We've begun onboarding SoFi Money to our new modern foundinated banking core, fully developed by STS and purpose-built for U.S. regulated banking environments. The platform will soon be available to other banks financial institutions and brand partners. This marks the first major U.S. bank to join the platform | Achieved |
| Full-year adjusted net revenue | approximately $4.655 billion (~30% YoY growth) | Dec 2025 | we now expect to deliver adjusted net revenue of $4.75 billion to $4.85 billion, which equates to year-over-year growth of approximately 32% to 35%. This is up from our prior guidance of approximately 30% year-over-year growth. | Revised Up |
| Full-year adjusted EBITDA | approximately $1.6 billion (~34% margin) | Dec 2025 | We continue to expect to deliver adjusted EBITDA of approximately $1.6 billion, which equates to an adjusted EBITDA margin of approximately 33% to 34%. | On Track |
The full ledger
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The rest of the ledger
Pro opens all 62 tracked commitments for SoFi Technologies
Above is what the last two calls moved. Pro adds every quarter's revision, the source quote behind each one, and the topics management has stopped answering.