SoFi Technologies reported record third-quarter 2026 results, including net revenue of $1.4 billion and net income of $241 million, and raised its full-year guidance, the company said in a filing with the SEC.
Adjusted net revenue rose 44% year-over-year to a record $1.4 billion, while adjusted EBITDA climbed 70% to $469.8 million, representing a 34% margin. Adjusted net income reached $243 million, or $0.18 per share, marking the company's 12th consecutive profitable quarter.
Membership grew 35% to a record 17.1 million members, with 1.2 million members added during the quarter. Products increased 44% to 26.7 million, including a record 2.2 million products added, and products per member rose to approximately 1.56 from 1.47 a year earlier.
Total loan originations reached a record $16.9 billion, including about $3.8 billion from the Loan Platform Business. Lending adjusted net revenue totaled approximately $807.4 million, with Lending products up 39% to 3.4 million. Financial Services revenue increased 25% to approximately $525.1 million, with products in that segment growing 44% to 23.2 million.
SoFi raised its 2026 guidance to $5.04 billion of adjusted net revenue, $1.66 billion of adjusted EBITDA, $840.0 million of net income and $0.61 of EPS. The company also introduced 2027 guidance of approximately $6.4 billion of adjusted net revenue, $2.24 billion of adjusted EBITDA, $1.28 billion of net income and $0.90 of EPS.
Equity grew by $218.9 million during the quarter to $11.3 billion, with book value per share of $8.71. Tangible book value rose to $9.7 billion, or $7.48 per share, up 25% from $5.97 per share a year earlier. Net interest margin was 6.14%, up 16 basis points from the prior quarter.
$SOFISoFi TechnologiesPrice$14.39 ▼1.57%Net sentiment+0.07Bullish57%Mentions · 30d407 ▲41%Samplen=407Avg volume1.9MView on the dashboardFinazon · prior-day close, indicative (IEX-derived, not the official close) · Oct 26, 2026