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Anthony Noto

CEO & Director, Sofi

Search every verified Anthony Noto interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Anthony Noto, CEO and Director of SoFi Technologies, discussed the company's second-quarter 2026 results in late July 2026, following the release of record revenue of $1.2 billion, a 40% year-over-year increase, and a 19th consecutive quarter of exceeding the "rule of 40" growth benchmark. In a Bloomberg interview, Noto attributed the stock's decline to the company's decision to keep full-year earnings guidance unchanged, citing plans to continue investing in growth and uncertainty from anticipated interest rate increases, which he said could affect revenue performance. He also highlighted strong customer spending trends, with annualized debit spending of $38 billion, and described the launch of SoFi Coach, an AI-driven chatbot designed to answer financial questions using the company's data across its various products. During the earnings call, Noto emphasized the company's execution, noting record loan originations of $14.8 billion, including personal, student, and home loans, and described the business as "starting to hit escape velocity on our path to be the winner that takes most in digital financial services." He expressed confidence in achieving a 20–30% return on tangible common equity, stating it was "a matter of when, not if" the market recognizes the company's return potential. Noto also discussed AI's role in improving engineering productivity, noting that squads of four people can now produce the same amount of code as seven, and reiterated that SoFi is not creating new markets but rather taking share from existing large markets.

Recent appearances

Notable quotes

“Vera opens a brand new 200 billion TAM for NVIDIA, a market we have never addressed before, and every major hyperscaler is partnering with us to get it deployed.”

“We believe it's a 20 to 30% ROE business. Today, the commitment we've made is that we're continue to grow our revenue at over 30%. We want to do that for as long as we can. And as we're doing that, we'll deliver profitability of a 30% incremental margin. ... If the mix goes even higher to non-lending and non-capital intensive, it'll actually drive an even higher ROE. The things that I'm mentioning, SoFi Plus, SoFi Cr”

“SoFi USD will become a payment mechanism in our SoFi technology services platform. It'll also become a new payment mechanism that allows us to sign new deals with partners. So, we signed a deal and announced a deal with Mastercard where they're going to use SoFi USD to do 24/7 settlement. 24 hours a day, 7 days a week. Today, they do 5 days a week settlement and it's not 24 hours. This will be a huge value to them an”

“We developed a loan platform business um LPB as we affectionately call it um to capture the opportunity that we couldn't capture at that moment in time. First, we decline about 70% of the applicants for personal loans, and that's typically for credit reasons. ... We went to managers of assets uh people that had capital to put to work and asked them what credit profile they wanted, what return profile they wanted and ”

“We've reviewed the report. We've articulated that we believe it's inaccurate. Um that continues to be the case. We we're confident in our in our audit. So, we're confident in our accounting and confident in our business. And we'll continue to focus on our members and focus on delivering value for them. Um, we did provide some additional information to help people understand how the accounting manifests itself differe”

“I do think there will be a greater propensity to want to um deliver rate cuts. Um the credit markets and the home market, home loan market are definitely suffering from the high cost of debt. Um and that's going to impact the economy at some point in 2026 if sorry 2027 if there isn't action taken in 2026. So I think we'll actually enter a period in which we'll see a bias towards rate cuts versus today uh where the bi”

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