SOFI: Record growth and profitability lift FY26 guidance as deposits and lending scale

What happened

SoFi reported record adjusted revenue of $1.4B for Q3, up 44% year over year, and $470M adjusted EBITDA at a 34% margin. The company raised its FY26 guidance, supported by record member growth, loan originations and deposits.

Confirmed

Global impact / market context

Raising guidance signals management expects the strong growth in members, lending and deposits to continue. Higher revenue and profit give SoFi more cash available to fund new loans and invest in its platform, supporting future earnings.

Analyst inference

For investors, this points to a lender scaling deposits and loans while improving profit per sale, measured by the 34% margin. Deposit growth can lower funding costs, which supports lending growth and makes the raised guidance more credible.

Analyst inference

What to watch

1. Watch whether SoFi delivers on its raised FY26 guidance, which is a forecast, since actual results may differ from the record Q3 revenue and profit already reported. Confirmed
2. Track future reports for member growth, loan originations and deposit levels to confirm the trends management cited when raising guidance for the coming year. Proposed
3. Observe whether higher revenue and profit per sale continue, since slower growth or thinner margins could weaken the case for the raised outlook and pressure investor expectations. Analyst inference

Evidence

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