Christopher Lapointe

Chief Financial Officer, Sofi

Search every verified Christopher Lapointe interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Christopher Lapointe, chief financial officer of SoFi Technologies, participated in the company’s first quarter 2026 earnings conference call on April 29, 2026. During the call, he discussed credit performance, noting that the personal loan annualized net charge-off rate was 3.03%, up 23 basis points from the prior quarter but down 28 basis points year-over-year. He reported that the on-balance-sheet 90-day delinquency rate for personal loans was 47 basis points, and for student loans the annualized charge-off rate was 65 basis points, down 11 basis points from the prior quarter. Lapointe described recent loan vintages as performing well and stated that the company is “not in that situation in any way, shape, or form regarding credit deterioration,” attributing the view to strong consumer demand, credit performance, and adequate capital. Lapointe also addressed accounting practices, stating that over the life of a loan there is no difference between fair value accounting and cost accounting, and that the company is “seeing that play out” in reported results. He explained that capitalized marketing costs are treated as an expense in EBITDA and net income, aligning the timing of the cost with the revenue it supports. His remarks were made in the context of SoFi’s Q1 2026 earnings release and accompanying presentation.