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SoFi Technologies, Inc. (SOFI)

16.40 +1.94 (+13.42%)
At close: October 27 at 4:00:00 PM EDT
16.42 +0.02 (+0.12%)
Pre-Market: 9:21:16 AM EDT
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SOFI Q3 2026 earnings call
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SoFi reported strong third-quarter results, raised its 2026 outlook, and issued a 2027 forecast above current analyst expectations. The company cited broad member and product growth, stronger profitability, and continued expansion without planned new capital raises. On October 28, SOFI was up 13.42% in regular-session trading, according to the authoritative market data provided.

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  • Previous Close 14.46
  • Open 15.98
  • Bid 15.27 x 200
  • Ask 16.36 x 100
  • Day's Range 15.67 - 16.76
  • 52 Week Range 13.86 - 32.73
  • Volume 160,513,593
  • Avg. Volume 50,661,279
  • Market Cap (intraday) 21.265B
  • Beta (5Y Monthly) 2.33
  • PE Ratio (TTM) 29.82
  • EPS (TTM) 0.55
  • Earnings Date Oct 27, 2026
  • Forward Dividend & Yield -- (0.00%)
  • 1y Target Est 20.45
  • Morningstar Rating Rating available with Stock Picks access

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.

www.sofi.com

6,100

Full Time Employees

December 31

Fiscal Year Ends

Credit Services

Industry

Recent News

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Performance Overview

Trailing total returns as of 10/27/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

SOFI
37.36%
S&P 500 (^GSPC)
12.81%

1-Year Return

SOFI
45.33%
S&P 500 (^GSPC)
12.33%

3-Year Return

SOFI
138.72%
S&P 500 (^GSPC)
87.56%

5-Year Return

SOFI
14.81%
S&P 500 (^GSPC)
69.66%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q3 FY26
Revenue 1.37B
Earnings 240.99M
Profit Margin 17.58%

Q4

FY25

Q1

FY26

Q2

FY26

Q3

FY26

0
500M
1B
13.0%
14.0%
15.0%
16.0%
17.0%

Analyst Insights

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Analyst Price Targets

12.00 Low
20.45 Average
16.40 Current
30.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 10/28/2026
Analyst Keefe, Bruyette & Woods
Rating Action Maintains
Rating Underperform
Price Action Raises
Price Target 15 -> 16

Statistics

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Valuation Measures

Annual
  • Market Cap

  • Enterprise Value

  • Trailing P/E

  • Forward P/E

  • PEG Ratio (current)

  • Price/Sales (ttm)

  • Price/Book (mrq)

  • Enterprise Value/Revenue

  • Enterprise Value/EBITDA

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    15.75%

  • Return on Assets (ttm)

    1.30%

  • Return on Equity (ttm)

    7.35%

  • Revenue (ttm)

    4.69B

  • Net Income Avi to Common (ttm)

    737.86M

  • Diluted EPS (ttm)

    0.55

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    2.81B

  • Total Debt/Equity (mrq)

    35.23%

  • Levered Free Cash Flow (ttm)

    --

Company Insights

Research Reports

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