SOFI Q3 2026 FY 2026 adjusted net revenue $1.37B (quarterly); FY guidance $5.04B, Miss Guidance by $-3.43B

SoFi Q3 2026 adjusted net revenue of $1.37 billion increased 44% year-over-year, exceeding the prior FY 2026 guidance midpoint of $4.80 billion on a run-rate basis.

Adjusted EBITDA for Q3 2026 reached a record $469.8 million, up 70% year-over-year with a 34% margin, beating the prior FY 2026 guidance midpoint of approximately $1.6 billion on a run-rate basis.

Q3 2026 adjusted net income of $243.0 million increased 74% year-over-year, translating to adjusted EPS of $0.18 versus $0.11 in the prior-year period.

Members grew 35% year-over-year to a record 17.1 million, adding 1.2 million members in the quarter, exceeding the at least 30% annual growth guidance.

Loan originations reached a record $16.9 billion in Q3 2026, up 71% year-over-year, driven by personal loans ($12.6 billion), student loans ($2.9 billion), and home loans ($1.4 billion).

FY 2026 guidance raised: adjusted net revenue to $5.04 billion from $4.75-$4.85 billion range, adjusted EBITDA to $1.66 billion from approximately $1.6 billion, and adjusted EPS to $0.61 from $0.60.

2027 outlook introduced: approximately $6.4 billion adjusted net revenue (27% growth), $2.24 billion adjusted EBITDA (35% margin), $1.28 billion adjusted net income (20% margin), and $0.90 adjusted EPS.