SoFi reports Q3 net profit of $241 million, raises 2026 revenue guidance.

According to SoFi Technologies (NASDAQ: SOFI)’s Q3 2026 financial results, the company reported GAAP net revenue of $1.385 billion, up 44% year-over-year (YoY); net profit of $241 million, growing 73% YoY; and diluted earnings per share (EPS) of $0.18. Adjusted EBITDA reached $470 million, surging 70% YoY with a 34% margin. Member count rose to 17.1 million, up 35% YoY, adding 1.2 million new members in the quarter; total products hit 26.7 million, growing 44% YoY. Quarterly loan originations totaled $16.9 billion, up 71% YoY, including $12.6 billion in personal loans, $2.9 billion in student loans, and $1.4 billion in mortgage loans. Total deposits at quarter-end stood at $51.3 billion, an increase of $5.8 billion from the prior quarter. The company raised its 2026 adjusted net revenue guidance to approximately $5.04 billion, adjusted EBITDA guidance to around $1.66 billion, adjusted net profit to about $840 million, and adjusted EPS to roughly $0.61. SoFi also released its first-ever 2027 outlook: adjusted net revenue of approximately $6.4 billion, adjusted EBITDA of about $2.24 billion, adjusted net profit of around $1.28 billion, and adjusted EPS of roughly $0.90.