SoFi Reports Third Quarter 2026 with Record Net Revenue of $1.4 Billion, Net Income of $241 Million and Raises Full-Year Guidance
SoFi reported record Q3 2026 results with adjusted net revenue of $1.4 billion, up 44% year-over-year, and GAAP net income of $241 million, up 73%. Adjusted EBITDA rose 70% to $470 million (34% margin), members grew 35% to a record 17.1 million, and loan originations hit a record $16.9 billion with credit performance in line with expectations. Management raised FY2026 guidance to $5.04 billion adjusted net revenue and $1.66 billion adjusted EBITDA, and introduced a 2027 outlook of $6.4 billion revenue, $2.24 billion EBITDA and $0.90 EPS — all above analyst estimates.
Key figures
- Eps
- 0.18
- Revenue
- 1385099000
- Guidance
- FY26: ~$5.04B adjusted net revenue, $1.66B adjusted EBITDA, $840M net income, $0.61 EPS (raised); introduced FY27: ~$6.4B adjusted net revenue, $2.24B adjusted EBITDA, $1.28B net income, $0.90 EPS
- Revenue Yoy
- 44%
- Rotce
- ~10%
- Members
- 17100000
- Deposits
- 51300000
- Products
- 26700000
- Net income
- 240989000
- Members yoy
- 35%
- Adjusted eps
- 0.18
- Products yoy
- 44%
- Net income yoy
- 73%
- Adjusted ebitda
- 469818000
- Rule of 40 score
- 79
- Fee based revenue
- 570600000
- Adjusted ebitda yoy
- 70%
- Adjusted net income
- 242986000
- Net interest income
- 929500000
- Net interest margin
- 6.14%
- Adjusted net revenue
- 1371124000
- Adjusted ebitda margin
- 34%
- Total loan originations
- 16900000
- Adjusted net revenue yoy
- 44%
- Tangible book value per share
- 7.48
AI analysis
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