SoFi raises 2026 guidance to USD 5.04 billion as Monness starts SoFi stock coverage

Published on 10/27/2026 at 13:37 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

SoFi stock costs EUR 14.55 on October 27, 2026. Q3 revenue rose 44 percent to USD 1.4 billion, while guidance reached USD 5.04 billion.

Results and guidance reset

SoFi reported USD 1.4 billion of third-quarter revenue on October 27, 2026.
Full-year 2026 adjusted revenue guidance reached USD 5.04 billion after the quarterly report.
SoFi stock traded at EUR 14.55 at 1:33 p.m. CET at Lang & Schwarz on October 27, 2026.

SOFI, US83406F1021, Illustration mit AI erstellt.

SoFi Technologies (ISIN US83406F1021) raised its full-year 2026 adjusted revenue guidance to USD 5.04 billion after reporting third-quarter revenue of USD 1.4 billion, up 44 percent year over year, on October 27, 2026. On October 26, Monness Crespi Hardt also started coverage with a Buy rating and a USD 20.00 price target, according to TipRanks.

Revenue growth reaches a new scale

According to SoFi Technologies, GAAP net income reached USD 241.0 million in the third quarter, compared with USD 139.4 million a year earlier, an increase of 73 percent. Adjusted EBITDA rose 70 percent to USD 469.8 million, producing a 34 percent adjusted EBITDA margin.

The operating base expanded alongside revenue. Members increased 35 percent year over year to 17.1 million, while total products rose 44 percent to 26.7 million. Lending originations reached a record USD 16.9 billion, up 71 percent from the prior-year quarter.

What does the guidance raise change?

The higher outlook gives the growth story a larger numerical base. SoFi now expects USD 5.04 billion of adjusted net revenue and USD 1.66 billion of adjusted EBITDA for 2026, implying 40 percent revenue growth and a 33 percent adjusted EBITDA margin. The company also introduced 2027 adjusted revenue guidance of USD 6.4 billion and adjusted EBITDA guidance of USD 2.24 billion, according to SoFi Technologies.

Three dates frame the results

On July 29, 2026, SoFi reported second-quarter adjusted earnings per share of USD 0.12, according to ChartMill. On October 26, 2026, Monness initiated coverage with a USD 20.00 target. On October 27, 2026, the third-quarter release delivered USD 0.18 of adjusted earnings per share and raised the 2026 outlook.

When is the next report?

InvestBamboo lists January 28, 2027, as the expected next earnings date for SoFi, providing the next scheduled checkpoint after the October report, according to InvestBamboo. For investors, the central test is whether member growth and product expansion can sustain the new revenue scale while lending remains the main contributor.

EUR 14.55 at Lang & Schwarz

SoFi stock was trading at EUR 14.55 at Lang & Schwarz on October 27, 2026, at 1:33 p.m. CET. The quotation reflects the regular Xetra-session perspective used for this report.

The further course of trading is shown by the continuously updated real-time quote of SoFi stock.