SoFi Technologies, Inc. Q3 2026 Earnings Recap

SoFi’s shares rose 13.4% after the company reported 44% revenue growth and raised 2026 guidance, while also providing preliminary 2027 targets above its prior outlook. The stock move reflects investors’ favorable reception of the raised outlook despite a higher-rate environment.

Key Takeaways

• Q3 adjusted net revenue was $1.4 billion, up 44% year over year; adjusted EPS was $0.18, up 64%.
• Members grew 35% to 17.1 million and products grew 44% to 26.7 million; products per member rose to 1.56 from 1.47.
• Adjusted EBITDA reached a record $470 million, up 70%, with a 34% margin. Adjusted net income was $243 million, up 74%, at an 18% margin.
• SoFi raised 2026 adjusted revenue guidance to $5.04 billion from a prior range of $4.75 billion–$4.85 billion, and adjusted EPS guidance to $0.61 from $0.60.
• Preliminary 2027 guidance calls for $6.4 billion of adjusted revenue, $2.24 billion of adjusted EBITDA at an approximately 35% margin, and adjusted EPS of $0.90.