As the craze of earnings season draws to a close, here’s a look back at some of the most exciting (and some less so) results from Q2. Today, we are looking at personal loan stocks, starting with Affirm (NASDAQ:AFRM).
Personal loan providers offer unsecured credit for various consumer needs. The sector benefits from digital application processes, increasing consumer comfort with online financial services, and opportunities in underserved credit segments. Headwinds include credit risk management in unsecured lending, regulatory oversight of lending practices, and intense competition affecting margins from both traditional and fintech lenders.
The 9 personal loan stocks we track reported a very strong Q2. As a group, revenues beat analysts’ consensus estimates by 7.2% while next quarter’s revenue guidance was 3.6% above.
Amidst this news, share prices of the companies have had a rough stretch. On average, they are down 15.3% since the latest earnings results.
Affirm (NASDAQ:AFRM)
Founded by PayPal co-founder Max Levchin with a mission to create honest financial products, Affirm (NASDAQ:AFRM) provides a payment network that allows consumers to make purchases and pay for them over time with transparent, flexible installment loans.
Affirm reported revenues of $1.17 billion, up 33% year on year. This print exceeded analysts’ expectations by 5.2%. Overall, it was a stunning quarter for the company with a beat of analysts’ EPS estimates and an impressive beat of analysts’ EBITDA estimates.
Investor expectations, however, were likely higher than Wall Street’s published projections, leaving some wishing for even better results (analysts’ consensus estimates are those published by big banks and advisory firms, not the investors who make buy and sell decisions). The stock is down 10.1% since reporting and currently trades at $69.65.
We think Affirm is a good business, but is it a buy today? Read our full report here, it’s free.
Best Q2: Nubank (NYSE:NU)
With well over one hundred million customers across Brazil, Mexico, and Colombia through its viral member-get-member referral program, Nubank (NYSE:NU) is a digital banking platform that offers financial services including spending, saving, investing, borrowing, and protection products to millions of customers across Latin America.
Nubank reported revenues of $5.88 billion, up 55.8% year on year, outperforming analysts’ expectations by 29.8%. The business had an incredible quarter with a beat of analysts’ EPS estimates.
Nubank delivered the biggest analyst estimate beat among its peers. Although it had a fine quarter compared to its peers, the market seems unhappy with the results as the stock is down 11.3% since reporting. It currently trades at $12.36.
Is now the time to buy Nubank? Access our full analysis of the earnings results here, it’s free.
Weakest Q2: OneMain (NYSE:OMF)
Dating back to 1912 and formerly known as Springleaf, OneMain Holdings (NYSE:OMF) provides personal loans, auto financing, and credit cards to nonprime consumers who have limited access to traditional banking services.
OneMain reported revenues of $1.29 billion, up 6.9% year on year, exceeding analysts’ expectations by 1.4%. It was a satisfactory quarter as it also posted a narrow beat of analysts’ net interest income estimates but a significant miss of analysts’ EBITDA estimates.
As expected, the stock is down 9.4% since the results and currently trades at $56.36.
Read our full analysis of OneMain’s results here.
SoFi (NASDAQ:SOFI)
Starting as a student loan refinancing company founded by Stanford business school students in 2011, SoFi Technologies (NASDAQ:SOFI) operates a digital financial platform offering lending, banking, investing, and other financial services to help members borrow, save, spend, invest, and protect their money.
SoFi reported revenues of $1.21 billion, up 40.5% year on year. This print surpassed analysts’ expectations by 7.1%. It was an exceptional quarter as it also put up a solid beat of analysts’ transaction volumes estimates and an impressive beat of analysts’ EBITDA estimates.
The stock is down 4.8% since reporting and currently trades at $15.94.
Read our full, actionable report on SoFi here, it’s free.
Sezzle (NASDAQ:SEZL)
Founded in 2016 as an alternative to traditional credit cards for younger shoppers, Sezzle (NASDAQ:SEZL) provides a payment platform that allows consumers to split purchases into four interest-free installments over six weeks at participating retailers.
Sezzle reported revenues of $149.7 million, up 51.7% year on year. This result beat analysts’ expectations by 9.8%. Overall, it was an exceptional quarter as it also recorded a solid beat of analysts’ EBITDA estimates and a beat of analysts’ EPS estimates.
The stock is down 39.4% since reporting and currently trades at $108.25.
Read our full, actionable report on Sezzle here, it’s free.
Market Update
Over the past year, investors have been forced to repeatedly answer the same question: what is the market’s biggest risk? The answer has changed several times, and each shift has reshaped market leadership.
Late in 2025 and early 2026, artificial intelligence became the market’s primary uncertainty. Investors questioned whether AI would erode software pricing power and weaken competitive moats as AI made it easier to replicate once-differentiated products.
By the spring, technology took a back seat to geopolitics. The U.S. conflict with Iran briefly became the market’s dominant narrative, raising concerns about oil prices, inflation, and global growth. But as energy markets remained orderly and fears of a prolonged supply disruption faded, investors quickly turned their focus back to fundamentals.
Want to invest in winners with rock-solid fundamentals? Check out our 9 Best Market-Beating Stocks and add them to your watchlist. These companies are poised for growth regardless of the political or macroeconomic climate.