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SoFi Technologies (SOFI) guidance and outlook
SoFi Technologies (SOFI) raised its guidance on Oct 27, 2026: Net income +20% for FY2027; EBITDA $1.7B for FY2027; EBITDA margin 33% for FY2027; Net income $840M for FY2027. SoFi Technologies' 10-Q filed Nov 5, 2026 makes 16 forward-looking statements.
Guidance and outlook
Latest guidance
| Metric | Period | Range | Change |
|---|---|---|---|
| Net income | FY2026 | $241M | raised |
| Revenue | FY2026 | $1.7B | raised |
| Revenue | FY2027 | $2.2B | initiated |
| Net income | FY2027 | +20% | new |
| Revenue | FY2027 | +39% | raised |
| EBITDA | FY2027 | $1.7B | new |
| EBITDA margin | FY2027 | 33% | new |
| Net income | FY2027 | $840M | new |
| EPS | FY2027 | $90.00 | new |
From the earnings release filed Oct 27, 2026 (8-K on EDGAR).
Forward-looking statements, 10-Q filed Nov 5, 2026
- We believe this will lead to a competitive advantage over other financial institutions that provide a disjointed and non-seamless product experience, a lack of digital customer acquisition, subpar mobile web products instead of digital native apps and incomplete product offerings to meet a customer’s holistic financial needs.
- We are originating all new loans within SoFi Bank, and we intend to continue to explore and enhance other products for SoFi Bank over time, including stablecoin issuance and tokenized deposits.
- We originate personal loans to help our members with a variety of financial needs, such as debt consolidation, home improvement projects, family planning, travel and weddings, to name a few.
- We expect to benefit from the continued mix towards deposit funding through operating SoFi Bank.
- Our acquisition of Peach, a cloud-native, API-first loan management and servicing platform, in the second quarter of 2026, is intended to further expand our enterprise technology capabilities.
- In addition, management uses this measure to better decide on the proper expenses to authorize for each of our operating segments, to ultimately help achieve target contribution profit margins.
- assumptions, (vii) restructuring charges, (viii) transaction-related expenses, (ix) certain legal matters, and (x) other charges, as appropriate, that are not expected to recur and are not indicative of our core operating performance.
- (6) Restructuring charges in the 2026 periods included employee-related wages, benefits and severance associated with a small reduction in headcount in our Technology Platform segment, which do not reflect expected future operating expenses and are not indicative of our core operating performance.
- Adjusted net income is defined as net income, adjusted to exclude, as applicable, transaction-related expense, restructuring charges, goodwill impairment expense, certain legal matters and certain income tax benefits that are not expected to recur and are not indicative of our core operating performance.
- We expect these changes could lead to changes in demand for SoFi’s student loan products.
- Management will continue to assess the need for a valuation allowance in future periods.
- Our capital expenditures have historically been less significant relative to our operating and financing cash flows, and we expect this trend to continue for the foreseeable future.
SoFi Technologies' latest quarter
SoFi Technologies, Q3 2026: revenue $1.4B (+44% year over year), operating margin 22.9%, net earnings $241M, operating cash flow −$3.0B. The chart follows the revenue to costs, profit and cash.
Questions
Did SoFi Technologies raise or lower its guidance?
SoFi Technologies (SOFI) raised its guidance on Oct 27, 2026: Net income +20% for FY2027; EBITDA $1.7B for FY2027; EBITDA margin 33% for FY2027; Net income $840M for FY2027.
What does SoFi Technologies expect?
We believe this will lead to a competitive advantage over other financial institutions that provide a disjointed and non-seamless product experience, a lack of digital customer acquisition, subpar mobile web products instead of digital native apps and incomplete product offerings to meet a customer’s holistic financial needs. We are originating all new loans within SoFi Bank, and we intend to continue to explore and enhance other products for SoFi Bank over time, including stablecoin issuance and tokenized deposits. We originate personal loans to help our members with a variety of financial ne
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.