SoFi Beats Q3, Raises 2026 Revenue Guidance to $5.04B and Introduces 2027 Outlook
SOFI is trading near its 52-week low of $13.86 (7.2% above the low).
Summary
SoFi reported Q3 2026 net revenue of $1.385B (up 44%) and $0.18 diluted EPS, raised 2026 adjusted net revenue guidance to $5.04B, and introduced a 2027 outlook of ~$6.4B adjusted net revenue and ~$0.90 EPS.
Updates
· dpa-AFX — SoFi stock rose 8.03% to $15.62 in premarket trading after the Q3 results and guidance.
- Q3 Results — Q3 net income was $240.989M versus $139.738M prior year, on total net revenue of $1.385B versus $961.600M. Excluding-items profit was $242.986M, or $0.18 per share, and excluding-items EBITDA rose to $469.818M from $276.881M.
- Prior 2026 Guidance — Prior FY2026 adjusted net revenue guidance was $4.75B-$4.85B and prior FY2026 adjusted EBITDA guidance was $1.6B.
- 2026 Net Income — FY2026 annual net income is anticipated at $840M, or $0.61 per share.
- 2027 Outlook — FY2027 net income guidance is $1.28B with EPS of $0.90, and FY2027 adjusted net income margin around 20%.
All 9 details
- Q3 excluding-items profit $242.986M, or $0.18 per share.
- Q3 excluding-items EBITDA surged to $469.818M from $276.881M.
- Prior FY2026 adjusted net revenue guidance $4.75B-$4.85B.
- Prior FY2026 adjusted EBITDA guidance $1.6B.
- FY2026 annual net income anticipated $840M, or $0.61 per share.
- FY2027 net income guidance $1.28B, EPS $0.90.
- FY2027 adjusted net income margin around 20%.
- Q3 net income $240.989M versus $139.738M prior year
- Q3 total net revenue $1.385B versus $961.600M prior year
Key Events · Earnings and Guidance · SOFI
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Q3 Beat With Record Revenue
GAAP net revenue of $1.385B rose 44% year over year and net income reached $241.0M, or $0.18 diluted EPS, versus $0.11 a year ago.
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2026 Guidance Raised
Full-year 2026 adjusted net revenue guidance lifted to $5.04B (~40% growth) and adjusted EBITDA to $1.66B, with adjusted EPS of ~$0.61.
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First 2027 Outlook Issued
Management introduced 2027 targets of ~$6.4B adjusted net revenue (~27% growth), ~$2.24B adjusted EBITDA and ~$0.90 adjusted EPS.
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Member and Product Records
Members grew 35% to 17.1M and products 44% to 26.7M, with record quarterly loan originations of $16.9B (up 71%).
Analysis · SOFI · Finance
SoFi delivered a clean beat-and-raise: Q3 GAAP net revenue of $1.385B rose 44% and net income of $241.0M produced $0.18 diluted EPS, while adjusted EBITDA of $469.8M jumped 70% to a 34% margin. Management raised full-year 2026 adjusted net revenue guidance to $5.04B and adjusted EBITDA to $1.66B, and for the first time laid out 2027 targets of roughly $6.4B adjusted net revenue and $0.90 of EPS. That forward number is the part that matters — it resets the earnings base investors are valuing, not just the quarter that already happened.
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At the time of this filing, SOFI was trading at $14.86 on NASDAQ in the Finance sector, with a market capitalization of approximately $18.7B. The 52-week trading range was $13.86 to $32.73. This filing was assessed with positive market sentiment and an importance score of 8 out of 10.