SoFi earnings rose in the third quarter of 2026, and the company lifted its full-year outlook. Shares climbed 15.46% to $16.69 during trading on October 27, following the results.

SoFi earnings and trading

Third-quarter net income reached $240.99 million, or $0.18 per share, compared with $139.74 million, or $0.11 per share, a year earlier. Total net revenue increased to $1.39 billion from $961.6 million.

Adjusted earnings were $242.99 million, or $0.18 per share. Adjusted EBITDA rose to $469.82 million from $276.88 million in the same quarter a year earlier.

The Nasdaq-listed stock traded between $15.67 and $16.76 during the session. Volume was 102.77 million shares, more than twice the average of 49.44 million.

Higher 2026 outlook and 2027 projections

SoFi now expects adjusted net revenue of $5.04 billion and adjusted EBITDA of about $1.66 billion for 2026. The company raised its outlook but the previous figures were not specified.

For 2027, SoFi projects $6.4 billion in adjusted net revenue, $2.24 billion in adjusted EBITDA and $1.28 billion in net income, equivalent to $0.90 per share. These are forecasts rather than completed results.

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