$SOFI · SoFi Technologies, Inc.
SoFi Technologies reported Q3 2026 results with record GAAP net revenue of $1.385B (+44% YoY), GAAP net income of $241M (+73% YoY), and diluted EPS of $0.18. Adjusted EBITDA hit a record $469.8M (+70% YoY) with a 34% margin. The company raised full-year 2026 guidance to $5.04B adjusted net revenue and $1.66B adjusted EBITDA, and introduced 2027 guidance of $6.4B revenue, $2.24B EBITDA, and $0.90 EPS — all above analyst estimates.
- GAAP net revenue of $1.385B, up 44% YoY from $961.6M
- GAAP net income of $241M, up 73% YoY; diluted EPS of $0.18 vs $0.11
- Adjusted EBITDA of $469.8M, up 70% YoY with a 34% margin — 20th consecutive Rule of 40 quarter
- Record 1.2M new members added in Q3; total members reached 17.1M, up 35% YoY
- 2026 guidance raised to $5.04B adjusted net revenue and $1.66B adjusted EBITDA; 2027 outlook introduced at $6.4B revenue, $2.24B EBITDA, $0.90 EPS
Extended-hours trading shows SOFI at $15.25, up 5.46% from the $14.46 regular close, reflecting a positive initial reaction to the beat-and-raise quarter and above-consensus 2027 guidance.
SoFi posted its 12th consecutive profitable quarter with accelerating growth, raised guidance, and issued a 2027 outlook materially above Street estimates — reinforcing its transition from growth story to profitable compounder.
SoFi's 44% revenue growth and 34% adjusted EBITDA margin stand out in fintech, where many peers are still optimizing for profitability. The 2027 guidance of ~27% revenue growth and ~20% net income margin signals confidence in sustained operating leverage at scale.
Credit performance remains a key monitor as the loan portfolio grows — personal loan unpaid principal reached $30.9B. Technology Platform accounts declined 11% YoY due to a large client transition. Crypto revenue is near-zero net ($1.6M) after costs.