Total loan originations climbed 69% year over year to $14.8 billion.

Annualized net charge-off rate improved to 2.62% from 3.03% in the prior quarter.

Lending-adjusted net revenues increased 59% year over year to $712 million.

Why does this matter for U.S. investors?

SoFi's ability to scale originations while maintaining controlled net charge-off rates dictates investor sentiment across fintech lending platforms. Traders must assess whether credit quality can persist as portfolios expand.

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OppHub America Desk · September 22, 2026 · Source: yahoo-tickers-tape-movers

SoFi Technologies Loan Originations Climb 69% on Credit Quality

If loan growth and credit performance stabilize, watch for valuation shifts relative to peer lending institutions.

Based on reporting from yahoo-tickers-tape-movers.

SoFi Technologies reported total loan originations climbing 69% year over year to $14.8 billion on Tuesday, September 22, 2026, as credit metrics showed continued resilience. Investors and traders are evaluating whether the digital lender's credit quality can persist amid broader portfolio expansion.

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SoFi Technologies (NASDAQ: SOFI) reported total loan originations climbing 69% year over year to $14.8 billion on Tuesday, September 22, 2026, highlighting robust demand across its lending segments while credit quality metrics held steady. Personal loans accounted for $10.7 billion of the total, with student and home loan originations reaching $2.7 billion and $1.4 billion, respectively.

### Credit Metrics and Portfolio Performance Lending-adjusted net revenues rose 59% year over year to $712 million. Credit performance indicators showed stabilization, with the annualized net charge-off rate falling to 2.62% from 3.03% in the prior quarter. Additionally, the personal loan portfolio generated an approximately 6.1% risk-adjusted margin in the second quarter, based on a 12.9% weighted-average coupon, a 3.1% funding cost, and 3.7% annualized losses. SoFi continues to support a 7% to 8% maximum cumulative net loss assumption for portfolio monitoring.

### Money Play If loan growth and credit performance stabilize, watch $SOFI +WL for valuation shifts relative to peer lending institutions.

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