SOFI $SOFI JUST REPORTED Q2 EARNINGS - EPS of $0.12 beating expectations of $0.11 🟢 - Revenue of $1.22B beating expectations of $1.13B 🟢 - Adjusted net revenue of $1.21B, up 40% YoY - Adjusted EBITDA of $358M, up 44% YoY - Net income of $157M, up 61% YoY - Record loan originations of $14.8B, up 69% YoY - Members: 15.8M, up 35% YoY - Products: 24.4M, up 42% YoY FY2026 guidance: - Adjusted net revenue raised to $4.75B to $4.85B, up from prior guide of about $4.66B - Adjusted EBITDA of about $1.6B, unchanged - Adjusted net income of about $825M, unchanged - Adjusted EPS of about $0.60, unchanged Personal loan originations hit a record $10.7B. Student loans surged 170% YoY to a record $2.7B. Home loans grew 74% YoY to $1.4B. Deposits grew to $45.5B, funding about 93% of liabilities and supporting a 5.98% net interest margin. CEO Anthony Noto said 2026 is becoming a defining year for SoFi, with the company's "everything app" strategy driving record member engagement, product adoption, and financial performance, giving management confidence to raise full-year revenue guidance.