SoFi's Blockbuster Quarter Rekindles the Bull Case for the Stock — Barrons.com

What happened

SoFi reported third-quarter results that drew renewed analyst support, with its lending segment posting a 66% year-over-year revenue surge. Existing users made up more than half of new product sign-ups. The company also issued preliminary 2027 guidance and said it would not need additional capital to reach those goals.

Confirmed

Global impact / market context

The results suggest SoFi can grow lending revenue while credit quality improves, and that cross-selling existing customers lowers the cost of acquiring new business. Guidance for 27% adjusted net revenue growth to about $6.4 billion, plus no need for extra capital, points to faster growth funded internally rather than by selling new shares.

Analyst inference

SoFi had its best post-earnings share performance since December 2025, and Citi's bullish view reflects analysts warming to the stock after a period when it was not a Wall Street favorite. The report frames the quarter as a possible turning point in how investors value the fintech.

Analyst inference

What to watch

1. SoFi said it expects adjusted net revenue to grow 27% to around $6.4 billion in 2027, with adjusted earnings of 90 cents a share, and stated it would not need additional capital to meet those goals. Confirmed
2. Watch whether SoFi delivers on its 2027 guidance, since the figures are preliminary and depend on lending growth, credit quality holding up, and cross-selling continuing to bring in sign-ups from existing users. Proposed
3. Track whether other analysts follow Citi in turning more positive on SoFi, because wider analyst support could draw more investor money into the stock and reinforce the bull case described in the article. Analyst inference

Evidence

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