โ
๐ ๐๐๐ฌ๐ฎ๐ฅ๐ญ๐ฌ
โข Adj. EPS: $0.18 (Est. $0.17) โ , +64% YoY.
โข Revenue: $1.385B (Est. $1.26B) โ , +44% YoY.
โข Adj. Net Revenue: $1.371B, +44% YoY.
โข GAAP Net Income: $241M, +73% YoY.
โข Adj. EBITDA: $470M, +70% YoY.
โข Adj. EBITDA Margin: 34%.
โข Members: 17.1M, +35% YoY.
โข Total Products: 26.7M, +44% YoY.
โข Deposits: $51.3B, +$5.8B QoQ.
โ
๐ฏ ๐๐ฎ๐ข๐๐๐ง๐๐
โข FY2026 Adj. Revenue: ~$5.04B (Est. $4.88B) โ , raised.
โข FY2026 Adj. EPS: ~$0.61 (Est. $0.59) โ .
โข FY2026 Adj. EBITDA: ~$1.66B.
โข FY2026 Adj. Net Income: ~$840M.
โข FY2027 Adj. Revenue: ~$6.4B (Est. $6.14B) โ , +27% YoY.
โข FY2027 Adj. EPS: ~$0.90 (Est. $0.82) โ .
โข FY2027 Adj. EBITDA: ~$2.24B, 35% margin.
โข FY2027 Adj. Net Income: ~$1.28B, 20% margin.
โ
๐ ๐๐๐ฒ ๐๐๐ค๐๐๐ฐ๐๐ฒ๐ฌ
โข Q3 EPS beat consensus by ~5.9%, while revenue exceeded estimates by ~9.9%.
โข SoFi added a record 1.2M members and 2.2M products during Q3.
โข Record loan originations surged 71% YoY to $16.9B, including $12.6B in personal loans.
โข Lending adjusted revenue increased 68% YoY to $807M, while Financial Services revenue grew 25% to $525M.
โข Technology Platform revenue declined 24% YoY to $87M, reflecting a major client departure.
โข Fee-based revenue reached $571M, representing 42% of total revenue.
โข FY2027 revenue guidance stands ~4.2% above consensus, with EPS guidance ~9.8% higher.
โข Management targets 100M products by 2030, with multiple businesses expected to exceed $1B in annual revenue.
โ
๐ฌ ๐๐๐ง๐๐ ๐๐ฆ๐๐ง๐ญ ๐๐จ๐ฆ๐ฆ๐๐ง๐ญ๐๐ซ๐ฒ
โOur focus is simple. We are adding more members, who are using more products, and generating more revenue per product to create the most value for our shareholders over the long run.โ