SoFi Technologies, Inc. (SOFI) Form 8-K — Oct 27, 2026
SoFi reported record Q3 2026 results with net revenue of $1.385 billion, up 44% year-over-year, and GAAP net income of $241 million ($0.18 diluted EPS), up 73% YoY. Adjusted EBITDA rose 70% to $469.8 million at a 34% margin, and the company hit Rule of 40 for the 20th consecutive quarter with a score of 79. Growth was broad-based: members grew 35% to a record 17.1 million, products grew 44% to 26.7 million, and record loan originations reached $16.9 billion (up 71%), including $3.8 billion through the Loan Platform Business. Total deposits grew $5.8 billion to $51.3 billion, supporting a 6.14% net interest margin.
Key figures
- Eps
- 0.18
- Revenue
- 1385099000
- Guidance
- 2026: $5.04B adjusted net revenue, $1.66B adjusted EBITDA, $840M net income, $0.61 EPS; 2027: ~$6.4B adjusted net revenue, $2.24B adjusted EBITDA, $1.28B net income, $0.90 EPS
- Net Income
- 240989000
- Total Debt
- 3862925000
- Revenue Yoy
- 44%
- Total Assets
- 67766776000
- Cash Position
- 2809582000
- Shares Outstanding
- 1296617325
- Members
- 17100000
- Adjusted eps
- 0.18
- Total deposits
- 51325022000
- Total products
- 26700000
- Adjusted ebitda
- 469818000
- Rule of 40 score
- 79
- Loan originations
- 16900000000
- Net interest margin
- 6.14%
- Adjusted net revenue
- 1371124000
- Adjusted ebitda margin
- 34%
- Tangible book value per share
- 7.48
AI analysis
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