Earnings Releases·Oct 27, 2026, 7:02 AM ET

SoFi Technologies, Inc. — Third Quarter 2026 Earnings Summary

Consolidated GAAP net revenue reached a record $1.4 billion (up 44% YoY), while GAAP net income surged 73% to $241.0 million and adjusted EBITDA hit a record $470 million (up 70% YoY).
Full-year 2026 guidance was raised to $5.04 billion adjusted net revenue and $1.66 billion adjusted EBITDA; a 2027 outlook was introduced projecting $6.4 billion adjusted net revenue and $2.24 billion adjusted EBITDA.
Lending originations hit a record $16.9 billion (up 71% YoY), and total members grew 35% to 17.1 million, with products per member increasing to 1.56.
The company achieved its 20th consecutive quarter meeting the Rule of 40 with a score of 79 and delivered its 12th consecutive profitable quarter.
Strategic initiatives include the acquisition of Composer, the relaunch of SoFi Plus as a paid subscription, and a plan to reach 100 million products by 2030.