SoFi Technologies (SOFI) Earnings: Q3 2026 Results and Next Report Date

The quarter ended September 30, 2026 and SoFi published the results on October 27, 2026. Revenue and diluted EPS are shown against Q3 2025, the same quarter a year earlier, which takes seasonal swings out of the comparison. SoFi reports EPS two ways: GAAP, under the accounting rules every US filer follows, and adjusted (non-GAAP), which leaves out items the company considers outside its operating results. The release reconciles the two, and when they diverge, the reconciliation says why.

• SoFi reports in thousands of dollars. Figures here are rounded to the nearest $0.1 million. Revenue is the line SoFi calls total net revenue (GAAP); its non-GAAP adjusted net revenue was $1,371.1 million.
• Technology Platform revenue includes intercompany fees, which are eliminated in Corporate/Other, so the segment rows add up to total net revenue only with Corporate/Other included.
• The year-over-year fall in Technology Platform revenue includes a large client that fully transitioned off the platform before December 31, 2025.

Source: SoFi Q3 2026 results, October 27, 2026. Also in the Form 10-Q for the quarter ended September 30, 2026. Figures as reported; checked against the release on November 10, 2026.

How SoFi splits revenue in its own release, under its own labels, for Q3 2026 against Q3 2025. Indented lines are parts of the line above them.

• SoFi's Lending revenue was $821 million in Q3 2026, up 66% from $493 million in Q3 2025, 59% of total revenue.
• SoFi's Technology Platform revenue was $87.4 million in Q3 2026, down 24% from $115 million in Q3 2025, 6% of total revenue.
• SoFi's Financial Services revenue was $525 million in Q3 2026, up 25% from $420 million in Q3 2025, 38% of total revenue.

Segment lines are the figures writers cite most often, because they show where the growth in a quarter came from. Companies redraw their segments from time to time and restate the prior year to match, so a year-ago figure here can differ from the one printed a year ago. When that has happened, the note above says so.

From the earnings release

In its Q3 2026 release, SoFi said:

“Management now expects to deliver adjusted net revenue of approximately $5.04 billion which implies approximately 40% annual adjusted net revenue growth year-over-year.”

“For 2026, management continues to expect to increase total members by at least 30% year-over-year.”

“Based on the broad based momentum in the business, in 2027, management expects to deliver adjusted net revenue of approximately $6.4 billion which implies approximately 27% annual adjusted net revenue growth year-over-year.”

“Management expects adjusted EPS of approximately 90 cents per share.”

Source: SoFi Q3 2026 release, Oct 27, 2026.

This is the company's own guidance as of Oct 27, 2026, quoted as given. Walnut does not make forecasts of its own. Analyst estimates for the coming quarters are on the SOFI forecast page.

Revenue and diluted EPS for the last 5 quarters. Each date links to that quarter's release.

GAAP total net revenue and diluted EPS, each as first reported in that quarter's release, rounded from thousands to the nearest $0.1 million.

SoFi's next report is expected around January 29, 2027, a date estimated from its reporting history that the company has not yet confirmed. This page will show Q3 2026 until those results are out and have been checked against the release.

Each quarter keeps its own page with the figures as reported, so a link to one stays pointed at the same numbers after the next report.

• Q3 2026 (this page), reported Oct 27, 2026

SoFi reports total net revenue, net interest income plus noninterest income, across three segments: Lending, Technology Platform and Financial Services. In Q3 2026 Lending brought in $821.3 million on a GAAP basis, Financial Services $525.1 million and Technology Platform $87.4 million, with Corporate/Other a net deduction. Net interest income was $929.5 million of the total, up 59% on a 51% increase in average interest-earning assets. (SoFi Q3 2026 release, Oct 27, 2026; SoFi Form 10-K, 2025, Feb 17, 2026)

Lending revenue rose 66%. SoFi said segment net interest income rose 57% and loan origination fees rose 158%. Total originations were a record $16.9 billion, up 71%: personal loans $12.6 billion, including $3.6 billion originated on behalf of third parties through the Loan Platform Business, student loans $2.9 billion and home loans $1.4 billion. (SoFi Q3 2026 release, Oct 27, 2026)

Financial Services revenue rose 25% to $525.1 million, made up of net interest income of $281.3 million, driven mainly by consumer deposits, and noninterest income of $243.8 million. The Loan Platform Business added $153.4 million to adjusted net revenue, interchange fee revenue rose 77% on $31 billion of annualized spend across SoFi Money and Credit Card, and total deposits grew $5.8 billion in the quarter to $51.3 billion. (SoFi Q3 2026 release, Oct 27, 2026)

SoFi's Technology Platform revenue fell 24% from a year earlier to $87.4 million because a large client fully transitioned off the platform before December 31, 2025. Excluding that client, SoFi said segment revenue rose 18%. Its 10-K notes that Galileo and Technisys revenue is highly concentrated in a small number of clients. (SoFi Q3 2026 release, Oct 27, 2026; SoFi Form 10-K, 2025, Feb 17, 2026)

Fee-based revenue was $570.6 million, 42% of total revenue, and SoFi named origination fees, SoFi Tech Solutions revenue, the Loan Platform Business, interchange and brokerage fees as its main contributors. Loan origination fees were $270.9 million, against $105.0 million a year earlier. (SoFi Q3 2026 release, Oct 27, 2026)

SoFi's GAAP diluted EPS was $0.18 in Q3 2026, against $0.11, on net income of $241.0 million, up 73%. Adjusted EPS was also $0.18. Adjusted net income of $243.0 million adds back restructuring charges and transaction-related expense net of tax, and the adjusted share count leaves out the dilutive impact of the 2026 and 2029 convertible notes to the extent the capped call transactions would offset it. (SoFi Q3 2026 release, Oct 27, 2026)

SoFi's share count grew: diluted weighted average shares were 1,357,811 thousand, against 1,291,011 thousand a year earlier. Income tax expense was $76.8 million, against $9.2 million. Sales and marketing, the largest expense line, was $444.0 million, against $286.9 million. (SoFi Q3 2026 release, Oct 27, 2026; SoFi Form 10-Q, Q3 2026, Nov 5, 2026)

Diluted EPS divides net income by the weighted average number of shares outstanding in the quarter, plus the shares that options and other equity awards could add. Buybacks shrink that count and lift EPS for the same profit; share issuance and stock awards enlarge it.

SoFi gives full-year guidance in its release. For 2026 it raised adjusted net revenue guidance to about $5.04 billion, about 40% growth, and adjusted EBITDA to about $1.66 billion, and kept adjusted net income at about $840 million and adjusted EPS at about 61 cents. It still expects total members to grow at least 30% in 2026. (SoFi Q3 2026 release, Oct 27, 2026)

SoFi also introduced a 2027 outlook: adjusted net revenue of about $6.4 billion, about 27% growth, adjusted EBITDA of about $2.24 billion, adjusted net income of about $1.28 billion and adjusted EPS of about 90 cents. The release says its guidance is above analyst estimates per FactSet as of October 26, 2026, without printing those estimates. (SoFi Q3 2026 release, Oct 27, 2026)

A consensus figure is the average of the models published by the analysts who cover SoFi, collected by a data provider and revised up to the day of the report. A quarter that lands above it says how expectations were set as much as how the business did, and the share price on the day also reflects the guidance and the lines no consensus covers.

The consensus figures on this page are Yahoo Finance's, as pulled on the date shown. Each comes with the number of analysts behind it; the smaller that number, the more one revised estimate can move the average.

The figures below are the ones SoFi's own release and filings put weight on for Q3 2026, with the latest reported value for each.

What the quarter means for a holding is a separate question from what it reported. The case for and against owning SOFI is on is SOFI a buy or a sell?, what analysts expect next is on the SOFI forecast, and what the company does is on the SoFi Technologies (SOFI) stock page.

Every number on this page can be traced to a document SoFi published. Checking one takes a couple of minutes, and it is worth doing before you quote a figure anywhere.

• The results release is the document linked in the source line above. Companies publish it on their investor relations site at the moment results go out, and it carries the headline tables: revenue, operating income, net income and EPS for the quarter and the year-ago quarter.
• The same release is filed with the SEC as Exhibit 99.1 to a Form 8-K under Item 2.02, usually on the day of the report. The SEC copy does not change after the fact, which makes it the safer thing to link when you cite a number.
• The quarterly report (Form 10-Q) follows within a few weeks and carries the full financial statements, the segment note and management's discussion of what changed. The fourth quarter is covered by the annual report (Form 10-K) instead.
• Restated comparisons are flagged in the notes on this page. When a company redraws its segments or changes how it adjusts EPS, it restates the year-ago column, so the year-ago figure in a new release can differ from the one printed a year ago. This page always uses the comparison in the newer release, because that is the like-for-like one.

A walk-through of every line in a release, with what each one tells you, is in how to read an earnings report.