SoFi earnings exceeded analyst estimates in the third quarter of 2026, with revenue rising 44% from a year earlier to $1.4 billion. The digital financial services company also raised its full-year revenue guidance to $5.04 billion.

Key Takeaways

  • Non-GAAP earnings were $0.18 per share, one cent above estimates.
  • SoFi projected $6.4 billion in adjusted net revenue for 2027.

SoFi earnings and revenue top forecasts

SoFi announced the results on October 27, 2026. Quarterly revenue exceeded analyst forecasts by $140 million, while non-GAAP earnings per share were $0.18. The adjusted earnings figure is distinct from net income calculated under generally accepted accounting principles.

Adjusted earnings before interest, taxes, depreciation and amortization, or EBITDA, rose 70% from a year earlier to a record $470 million. SoFi’s member base grew 35% to 17.1 million.

Revenue outlook extends into 2027

The raised $5.04 billion revenue guidance applies to the full year 2026. SoFi also projected $6.4 billion in adjusted net revenue for 2027. Both figures are forecasts, not completed results.

The previous 2026 guidance was not provided, so the size of the increase is unclear. The company, based in San Francisco, offers lending and banking services as well as technology platforms.

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