SoFi Technologies (SOFI) Q3 2026 Earnings Review
Earnings results
- EPS beat +8.2%
Actual: $0.18 · Cons.: $0.1663
- Revenue beat +9.3%
Actual: $1.37B · Cons.: $1.25B
- Guidance raised +5.0%
2026 adjusted revenue: $5.04B vs. $4.75–$4.85B previously.
What the company reported
SoFi delivered record third-quarter revenue and adjusted earnings, raised its 2026 revenue and EBITDA outlook, and introduced 2027 guidance above analyst expectations.
Q3 2026 earnings recap
SoFi reported record Q3 revenue and profit, raised its 2026 outlook and introduced stronger 2027 targets as lending and member growth accelerated.
- Adjusted net revenue rose 44% to $1.37 billion, about 9.3% above the $1.25 billion consensus.
- Adjusted profit per share was $0.18, about 8.2% above the $0.17 consensus, while adjusted EBITDA climbed 70% to $470 million.
- Members increased 35% to 17.1 million and products rose 44% to 26.7 million, expanding the base for future lending and fee revenue.
- Management raised 2026 adjusted net revenue to about $5.04 billion from $4.75–$4.85 billion, a 5.0% increase from the prior midpoint.
- The new 2027 outlook calls for $6.4 billion of adjusted net revenue, $2.24 billion of adjusted EBITDA and $0.9 of profit per share.
- Shares traded at $16.45 during trading on October 27, up 13.76% from the October 26 close of $14.46.
The next test is whether lending growth, credit performance and fee-based products can sustain the stronger profit outlook through 2027.
Financials, technicals and earnings
Charts through Oct 26, 2026.
Technical setup and risks
The October 27 earnings rally moved above the prior $15–$16 reference area. Watch whether the price can hold that area on a retest; the technical charts show the completed October 26 session, before this earnings move.
AI-assisted earnings research with verified issuer results. Charts use the stated completed session. Educational information; investing involves risk.
