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Earnings Per Share (Tables) | 6 Months Ended
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Jun. 30, 2026
Earnings Per Share [Abstract] |
Schedule of Earnings Per Share | The calculations of basic and diluted earnings per share were as follows:
| Three Months Ended June 30, |  | Six Months Ended June 30,
($ and shares in thousands, except per share amounts)(1) | 2026 |  | 2025 |  | 2026 |  | 2025
Numerator: |  |  |  |  |  |  |
Net income attributable to common stockholders – basic | $ | 156,592 |  |  | $ | 97,263 |  |  | $ | 323,323 |  |  | $ | 168,379 |
Plus: Dilutive effect of convertible notes, net(2) | 53 |  |  | 351 |  |  | 397 |  |  | 690 |
Net income attributable to common stockholders – diluted(2) | $ | 156,645 |  |  | $ | 97,614 |  |  | $ | 323,720 |  |  | $ | 169,069 |
Denominator: |  |  |  |  |  |  |
Weighted average common stock outstanding – basic | 1,284,303 |  |  | 1,107,006 |  |  | 1,280,338 |  |  | 1,102,525 |
Convertible notes(3) | 43,290 |  |  | 44,953 |  |  | 56,320 |  |  | 47,731 |
Unvested RSUs | 15,423 |  |  | 24,899 |  |  | 18,997 |  |  | 27,571 |
Common stock options | 7,088 |  |  | 5,941 |  |  | 7,762 |  |  | 6,330 |
Unvested PSUs | 1,796 |  |  | — |  |  | 1,507 |  |  | — |
ESPP | 90 |  |  | 78 |  |  | 45 |  |  | 39 |
Underwritten public offering options(4) | — |  |  | — |  |  | 9 |  |  | — |
Weighted average common stock outstanding – diluted | 1,351,990 |  |  | 1,182,877 |  |  | 1,364,978 |  |  | 1,184,197 |
Earnings per share – basic | $ | 0.12 |  |  | $ | 0.09 |  |  | $ | 0.25 |  |  | $ | 0.15 |
Earnings per share – diluted | $ | 0.12 |  |  | $ | 0.08 |  |  | $ | 0.24 |  |  | $ | 0.14 |
________________________ (1)Certain amounts may not recalculate exactly using the rounded amounts provided. Earnings per share is calculated based on unrounded numbers. (2)Reflects interest expense incurred, net of tax, associated with convertible note activity during the period as evaluated under the if-converted method. (3)Includes incremental dilutive shares from 2026 convertible notes and 2029 convertible notes. (4)For the six months ended June 30, 2026, reflects weighted average options outstanding related to a 30-day option to purchase additional shares pursuant to our December 2025 underwritten public offering. The Company completed the issuance and sale of common stock pursuant to the option in January 2026. See Note 10. Equity for additional information.
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share | The following table presents the securities that were not included in the computation of diluted EPS as the effect would have been anti-dilutive.
| Three Months Ended June 30, |  | Six Months Ended June 30,
(Shares in thousands) | 2026 |  | 2025 |  | 2026 |  | 2025
Unvested RSUs(1) | 16,485 |  |  | 4,157 |  |  | 11,843 |  |  | 3,612 |
Unvested PSUs(1) | 7,134 |  |  | 15,420 |  |  | 8,620 |  |  | 15,420 |
ESPP | 241 |  |  | 284 |  |  | 855 |  |  | 651 |
Contingent common stock(2) | — |  |  | 46 |  |  | — |  |  | 46 |
________________________ (1)Amounts reflect weighted average instruments outstanding. (2)Represents contingently returnable common stock in connection with the Technisys Merger, which consisted of shares that were held in escrow pending resolution of outstanding indemnification claims by SoFi. These shares were issued in 2022 and partially released in 2023, with all remaining shares released in January 2026.

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- Definition Tabular disclosure of securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) in the future that were not included in the computation of diluted EPS because to do so would increase EPS amounts or decrease loss per share amounts for the period presented, by antidilutive securities. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 260 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1 + Details
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- Definition Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 260 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1 + Details
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