SoFi (SOFI) AI Stock Analysis

Company Guidance

SoFi raised its full year 2026 guidance to adjusted net revenue of $5.04 billion, up 40% year-over-year, versus its prior guidance range of $4.75 billion-$4.85 billion; adjusted EBITDA of $1.66 billion, implying a 33% margin versus $1.6 billion previously; adjusted net income of $840 million and a 17% margin versus $825 million previously; and adjusted EPS of $0.61 versus $0.60 previously. Q4 guidance is approximately $1.375 billion of revenue, 36% year-over-year growth, $492 million of adjusted EBITDA, $276 million of adjusted net income, a 20% net income margin, and adjusted EPS of $0.19, including approximately $785 million from lending, $550 million from financial services, $90 million from technology platform, and corporate revenue in line with the third quarter. Preliminary 2027 guidance is $6.4 billion of adjusted net revenue, 27% year-over-year growth, approximately 35% EBITDA margin, $2.24 billion of adjusted EBITDA, $1.28 billion of adjusted net income, approximately 20% net income margin, and EPS of $0.90, assuming two rate hikes in the year and a 24% effective tax rate; segment growth is expected to be 25% year-over-year in lending, 25% year-over-year in technology platform, and 35% year-over-year in Financial Services, with a margin profile generally in line with where the company is from a segment perspective right now. Management also expects a healthy net interest margin above 5% for the foreseeable future, technology platform to return to 25% revenue growth in a steady state, SoFi Plus to exceed a million members as the company continues to add to the value proposition, and 100 million products by the end of 2030, with five businesses generating $1 billion in revenue or more, five more generating at least $500 million in revenue, and another five generating at least $100 million in revenue.