SoFi Technologies stock: record Q3 revenue lifts 2026 outlook

Published on 11/01/2026 at 13:19 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

SoFi Technologies stock follows a record third quarter and higher 2026 guidance. Management also issued its first 2027 outlook.

Record quarter raises SoFi outlook

SoFi reported third-quarter adjusted net revenue of USD 1.37 billion, up 44 percent year over year.
Management raised 2026 adjusted net revenue guidance to USD 5.04 billion and introduced a USD 6.4 billion 2027 outlook.
Members increased 35 percent to 17.1 million, while total products rose 44 percent to 26.7 million.

SOFI, US83406F1021, Illustration mit AI erstellt.

SoFi Technologies reported record third-quarter results on Tuesday, October 27, 2026, and raised its full-year outlook. The company said in its earnings release that adjusted net revenue rose 44 percent year over year to USD 1.37 billion for the three months ended September 30.

SoFi stock traded at EUR 15.00 on Lang & Schwarz at 13:04 Berlin time on Saturday, October 31, 2026.

Growth broadens across the platform

GAAP net revenue reached USD 1.39 billion, while net income increased 73 percent to USD 241.0 million. Diluted earnings per share rose to USD 0.18 from USD 0.11 in the prior-year quarter. Adjusted EBITDA climbed 70 percent to USD 469.8 million, producing a 34 percent margin.

The company added a record 1.2 million members during the quarter, taking its total to 17.1 million, up 35 percent from a year earlier. Total products increased 44 percent to 26.7 million. Loan originations reached a record USD 16.9 billion, an increase of 71 percent, led by personal lending.

Higher guidance sets the next test

SoFi now expects 2026 adjusted net revenue of USD 5.04 billion, adjusted EBITDA of USD 1.66 billion, adjusted net income of USD 840 million and adjusted earnings per share of USD 0.61. The company previously guided to adjusted net revenue of USD 4.75 billion to USD 4.85 billion.

Management also introduced its first 2027 outlook, calling for adjusted net revenue of USD 6.4 billion, adjusted EBITDA of USD 2.24 billion, adjusted net income of USD 1.28 billion and adjusted earnings per share of USD 0.90. The targets make member growth, product adoption, credit performance and funding costs key areas for investors to monitor.

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