SoFi Q3 2026 Earnings: 17.1M Members and a 2027 Outlook

SoFi Technologies just delivered one of the strongest reports of this earnings season. The digital finance company posted record adjusted net revenue of $1.4 billion for the third quarter of 2026, up 44% from a year earlier, raised its full-year guidance and, for the first time, gave investors a look at 2027. If you have been following SoFi's push to become an "everything app" for money, this quarter showed the strategy working on almost every line.

• Revenue: record adjusted net revenue of $1.4 billion, up 44%; GAAP total net revenue of $1.385 billion
• Profit: net income of $241 million, up 73%, with $0.18 diluted EPS; adjusted EBITDA up 70% to a record $470 million
• Growth: members up 35% to a record 17.1 million and products up 44% to 26.7 million
• Outlook: 2026 guidance raised to $5.04 billion adjusted net revenue; 2027 outlook of $6.4 billion and $0.90 EPS

How Did SoFi Do in Q3 2026?

The headline numbers come from SoFi's earnings release, filed with the SEC on October 27, 2026. GAAP net income rose to $241 million from $139 million a year ago, and diluted earnings per share climbed 64% to $0.18. Adjusted net income was $243 million. Fee-based revenue reached about $570.6 million, or 42% of the total, a mix that tends to be steadier than lending income.

CEO Anthony Noto said SoFi now has eight businesses each generating more than $100 million in annualized revenue, up from a single product less than a decade ago.

Where Is SoFi's Member Growth Coming From?

SoFi added a record 1.2 million members in the quarter and a record 2.2 million products. Members are also using more of the app: products per member rose to about 1.56 from 1.47 a year ago, and 51% of new products were opened by existing members, which is the cross-selling engine SoFi calls its Financial Services Productivity Loop.

Highlights by segment:

• Lending: record total loan originations of $16.9 billion, including about $3.8 billion through its Loan Platform Business, with credit performance in line with expectations
• Financial Services: revenue up 25% to about $525.1 million, with Money and Relay each topping 8 million products
• Invest and Credit Card: Invest grew 37% to more than 4 million products, while Credit Card grew 67% to about 656,000

What Is SoFi's 2027 Outlook?

Raised guidance is always welcome, but the new 2027 outlook is the bigger story. SoFi now expects 2026 adjusted net revenue of $5.04 billion and adjusted EBITDA of $1.66 billion. For 2027, it projects $6.4 billion in adjusted net revenue, $2.24 billion in adjusted EBITDA and $0.90 in EPS. That would mean roughly 27% revenue growth next year on top of the raised 2026 target. As with any company forecast, these are management targets, not guarantees.

SoFi's release also sets longer-range ambitions stretching out to 2030, and MarketBeat's summary of the earnings call covers how management framed the quarter for analysts.

The Takeaway for Investors

This is a fintech growing quickly while expanding profit, which is the combination the market rewards. It builds on a strong run that started with SoFi's record Q1 2026 results and continued with new products like SoFi's SoFiE tokenized deposit. For more earnings breakdowns this season, check our stock trading coverage.

Sources: SoFi Q3 2026 earnings release (SEC 8-K) — October 27, 2026; MarketBeat earnings call highlights — October 27, 2026.