[SOFI 26년 3분기] 실적 브리핑

2026년 10월 27일 오후 11:2411분

핵심 요약

SoFi delivered exceptional Q3 2026 results with adjusted net revenue reaching $1.4 billion, up 44% year-over-year, and an adjusted EPS of $0.18, beating analyst consensus estimates.
The company raised its full-year 2026 adjusted net revenue guidance to $5.04 billion and provided an optimistic preliminary 2027 outlook targeting $6.4 billion in revenue and $2.24 billion in EBITDA.
Total members grew 35% year-over-year to 17.1 million, while total products surged 44% to 26.7 million, proving the powerful momentum of SoFi's financial services productivity loop.
Lending segment performance remained remarkably robust with record total loan originations of $16.9 billion and an improved personal loan annualized net charge-off rate of 3.4%.
Management emphasized that growth will be fully funded organically through existing excess capacity and robust capital creation without the need for any additional capital raises.