SoFi posts record Q3 2026 revenue and lifts full‑year guidance
SoFi Technologies reported third‑quarter 2026 results on Oct. 27, showing adjusted net revenue of $1.4 billion, up 44% year‑over‑year, and adjusted EBITDA of $470 million, up 70% YoY. Net income rose to $243 million and adjusted EPS was $0.18. The company added a record 1.2 million members, bringing total members to 17.1 million, and raised its 2026 revenue outlook to $5.04 billion with EPS of $0.61, while also unveiling a 2027 outlook of $6.4 billion revenue and $0.90 EPS.
Why it matters
The raised 2026 guidance, above analyst consensus, suggests higher future cash flow and may support a higher valuation for the stock (the company’s own guidance says it expects $5.04 billion revenue and $0.61 EPS). The record loan originations of $16.9 billion and strong member growth indicate expanding lending revenue, which could improve earnings sustainability.
Key facts
- 1Adjusted net revenue was $1.4 billion, a 44% increase year‑over‑year. sec.gov
- 2Adjusted EBITDA reached $470 million, up 70% year‑over‑year. sec.gov
- 3Adjusted net income was $243 million and adjusted EPS was $0.18. sec.gov
- 4Member count grew 35% to a record 17.1 million, with 1.2 million new members added in the quarter. sec.gov
- 5The company raised its 2026 adjusted net revenue guidance to $5.04 billion and EPS guidance to $0.61. sec.gov
- 6It introduced a 2027 outlook of $6.4 billion adjusted net revenue and $0.90 EPS. sec.gov
Summary written by AlphAI AI Desk from 20 of 34 sources. Not investment advice. Figures are as stated by the linked sources.