$SOFI Doubles EPS as Revenue Jumps 42.5% in Latest Quarter

Correction, 18 September 2026: an earlier version of this post described April 27, 2026 as the end of the quarter. It is the date the results were reported.

What changed

$SOFI reported results on April 27, 2026, and the headline numbers are hard to ignore. Earnings per share came in at $0.12, up from $0.06 in the same period a year earlier — a clean 100% year-over-year increase. Revenue growth matched that energy, rising 42.5% compared to the prior-year quarter.

Those two figures put SoFi among the faster-growing names in financial services right now. A company doubling its per-share earnings while simultaneously growing its top line at 42.5% is executing across both the income statement and the cost structure.

What the score and valuation say

Despite the strong operating momentum, $SOFI's ACCE score sits at 57 out of 100 — a middling read that reflects some real tension in the underlying data. The score breakdown tells the story clearly:

• Growth: 100/100 — the earnings and revenue trajectory earns a perfect mark.
• Quality: 78/100 — solid, supported by a net margin of 14.8% and an ROE of 6.6%.
• Value: 33/100 — the market is pricing in a lot. The trailing P/E is 36.7 and the forward P/E is 27.4. ACCE's six-model fair value estimate comes out to $8.23, which sits 50.6% below the current price of $16.67.
• Momentum: 17/100 — the stock is down 20.7% over the past year, and near-term price action has not kept pace with the fundamental improvement.

The FCF yield of -18.9% is worth flagging. Strong earnings growth alongside negative free cash flow generation is a combination that warrants attention. It means the business is still consuming cash even as reported profitability improves — a dynamic common in high-growth financial platforms investing heavily in product and infrastructure.

The analyst consensus target of $20.63 implies meaningful upside from the current $16.67 price, but that sits well above ACCE's model-based fair value estimate. The gap between those two views is wide, and it reflects genuine disagreement about how much of SoFi's growth runway is already priced in.

What we don't know

We don't have guidance commentary from management to work with here. Forward expectations — whether the company sees the revenue and earnings trajectory continuing — would sharpen the picture considerably. For now, the quarter reported on April 27, 2026 shows a business growing fast, but trading at a valuation that demands that growth continue.

For the live price and updated score, visit acceinvestments.com/stocks/SOFI.