SoFi Stock Forecast: Q3 2026 Beat and the 2027 Outlook
SoFi Technologies (NASDAQ: SOFI) reported a strong third quarter on 27 October 2026. Adjusted net revenue rose 44% to $1.371 billion. The company also lifted its 2026 guidance. It gave a first 2027 outlook of about $0.90 in earnings per share, according to the Q3 2026 earnings release filed with the SEC. The shares rose 13.42% to $16.40 that day.
The rebound came from a low base. The shares are still about 37% lower this year and roughly half their 52-week high of $32.73. Analysts remain split, with recent price targets from $15 to $26. The Fed decision on 28 October at 18:00 UK time is a further test for this rate-sensitive stock. It had not been announced when this article was written.
The information in this article is provided for educational purposes only and does not constitute financial advice. Consult a financial advisor before making investment decisions.
Table of Contents
- SoFi Stock Today: The Short Answer
- Why Is SoFi Stock Going Up?
- SoFi Q3 2026 Results in Numbers
- SoFi Raised Guidance for 2026 and a First Look at 2027
- Credit Quality and Capital
- SoFi Stock Valuation After the Jump
- SoFi Stock Price History: Five Years of Swings
- Analyst Views and the SoFi Price Target Range
- SoFi Stock and Interest Rates
- Crypto and Stablecoin Projects
- SoFi S&P 500 Inclusion: Is It Close?
- SoFi Stock Technical Analysis
- SoFi Stock Forecast 2026 and 2027: Illustrative Scenarios
- SoFi Versus Fintech Peers
- Key Dates for SoFi Stock Through January 2027
- Pros and Cons of SoFi Stock
- SoFi Stock Risks to Watch
- How Traders Often Approach SoFi Stock After Earnings
- Frequently Asked Questions
SoFi Stock Today: The Short Answer
Here is the picture in brief, based on data available on the morning of 28 October 2026.
- SoFi beat estimates on revenue and earnings for the third quarter of 2026.
- Management raised its 2026 revenue guide to about $5.04 billion, per the Q3 release.
- The stock gapped higher on heavy volume and closed near the 50-day moving average.
- The 200-day moving average near $18.10 still sits above the price.
- Higher interest rates remain the main source of doubt for the bears.
| Item | Figure | Date and time |
|---|---|---|
| Close | $16.40 (+13.42%) | 27 Oct 2026, 16:00 ET |
| Day range | $15.67 to $16.76 | 27 Oct 2026 |
| Volume | 160.4m shares | 27 Oct 2026 |
| Pre-market quote | $16.54 (+0.85%) | 28 Oct 2026, 04:47 ET |
| 52-week range | $13.86 to $32.73 | as of 27 Oct 2026 |
| Change in 2026 | -37.4% (from $26.18) | 31 Dec 2025 to 27 Oct 2026 |
| Market value | about $21.3bn | own calculation, 1,296.6m shares x $16.40 |
Source: StockAnalysis overview for the market data; volume from the Motley Fool; StatMuse; share count from the SoFi Q3 2026 release. Past performance is not a reliable indicator of future results.
Why Is SoFi Stock Going Up?
The short answer is a clean beat plus a higher outlook. Investors had feared that rising rates would hurt the company. The report eased some of those fears.
Results Beat the Main Estimates
SoFi reported its results before the US open on 27 October. Revenue of $1.37 billion beat the average estimate of about $1.25 billion. Earnings per share of $0.18 topped the $0.17 consensus, as TipRanks reported.
| Measure | Actual | Consensus estimate |
|---|---|---|
| Adjusted net revenue | $1.37bn | $1.25bn to $1.26bn |
| Diluted EPS | $0.18 | $0.17 |
| Adjusted EBITDA | $469.8m | $442.8m |
| Total originations | $16.9bn | $14.4bn |
| Net interest income | $929.5m | $852.7m |
Source: SoFi results from the Q3 2026 release; consensus from TipRanks and Seeking Alpha via TradingView, which cites Visible Alpha. Consensus figures are estimates made before the release. Past performance is not a reliable indicator of future results.
Trading Volume Was Unusually Heavy
About 160 million shares changed hands on 27 October. That is roughly three times the three-month average of 51.4 million shares cited by the Motley Fool. The wider market was calmer. The S&P 500 rose 0.60% to 7,722.60 on the same day.
The Stock Started From a Deep Low
The move followed a hard autumn. On 14 October, the day of a hot September CPI report, the shares fell 6.69% to $14.22. The next day they touched a 52-week low of $13.86, as TIKR noted.
SoFi Q3 2026 Results in Numbers
The quarter to 30 September set several company records. Growth came from members and products. Lending did most of the heavy lifting.
| Metric | Q3 2026 | Q3 2025 | Change |
|---|---|---|---|
| Adjusted net revenue | $1,371.1m | $949.6m | +44% |
| GAAP net income | $241.0m | $139.4m | +73% |
| Diluted EPS | $0.18 | $0.11 | +64% |
| Adjusted EBITDA | $469.8m | $276.9m | +70% |
| Members | 17.1m | 12.6m | +35% |
| Products | 26.7m | 18.6m | +44% |
| Total originations | $16.9bn | $9.9bn | +71% |
| Net interest margin | 6.14% | 5.84% | +30bp |
| Tangible book value per share | $7.48 | $5.97 | +25% |
Source: SoFi Q3 2026 earnings release (SEC). Past performance is not a reliable indicator of future results.
SoFi 17.1 Million Members and Record Product Growth
SoFi added a record 1.2 million members in the quarter. It also added a record 2.2 million products. Deposits climbed by $5.8 billion to $51.3 billion, according to the Q3 release.
Chief executive Anthony Noto summed it up in the release. "We are adding more members, who are using more products, and generating more revenue per product," he said in the Q3 2026 results release.
Lending Growth and the SoFi Loan Platform Business
Personal loan originations reached $12.6 billion. That figure includes $3.6 billion originated for third parties. Student loans rose 96% to $2.9 billion. Home loans rose 44% to $1.4 billion.
The Loan Platform Business originated about $3.8 billion of loans for partners. It brought in $153.4 million of adjusted net revenue. Fee-based revenue reached $570.6 million, about 42% of the total, based on the Q3 figures.
Segment Results
| Segment | Q3 2026 revenue | Growth | Contribution margin |
|---|---|---|---|
| Lending | $807.4m (adjusted) | +68% | 56% adjusted (54% a year ago) |
| Financial Services | $525.1m | +25% | 50% (54% a year ago) |
| Technology Platform | $87.4m | -24% | 16% (28% a year ago) |
Source: SoFi Q3 2026 earnings release (SEC). Past performance is not a reliable indicator of future results.
The Technology Platform segment is the weak spot. It lost a large client before the end of 2025. Excluding that client, the segment grew 18%, the release says.
SoFi Raised Guidance for 2026 and a First Look at 2027
The guidance changed the tone of the report. Management now targets about $5.04 billion of adjusted net revenue in 2026. The earlier range was $4.75 billion to $4.85 billion, according to the Q3 2026 release.
| Item | FY2026 guide in Q2 release | New FY2026 guide | 2027 outlook | 2027 consensus before the release |
|---|---|---|---|---|
| Adjusted net revenue | $4.75bn to $4.85bn | about $5.04bn | about $6.4bn | $6.14bn |
| Adjusted EBITDA | about $1.60bn | about $1.66bn | about $2.24bn | $2.12bn |
| Net income | about $825m | about $840m | about $1.28bn | n/a |
| EPS | about $0.60 | about $0.61 | about $0.90 | $0.82 |
Source: SoFi Q3 2026 earnings release (SEC); earlier figures from the SoFi Q2 2026 earnings release (SEC); the Q3 release says SoFi continues to expect net income of about $840m and EPS of about $0.61; consensus from Seeking Alpha via TradingView. Forecasts are not a reliable indicator of future performance.
What the SoFi 2027 Guidance Assumes
The 2027 outlook implies about 27% revenue growth. It also implies EPS growth of about 48%. Chief financial officer Chris Lapointe said the plan assumes two Fed hikes in 2027 and a 24% tax rate, as MarketBeat's call summary reports.
Lapointe also addressed dilution fears on the call. "For clarity, our 2027 guidance does not require raising additional capital," he said, according to the Investing.com transcript.
The Rate Assumption Changed Mid-Year
Noto was open about the shift. "Our original 2026 guidance assumed two rate cuts. Instead, we have already had one rate hike," he said on the call, per the Investing.com transcript.
The Target of 100 Million Products by 2030
The company repeated its long-term aim of 100 million products by the end of 2030. It also wants five businesses with more than $1 billion of revenue each. Both goals appear in the Q3 release. These are management targets. They may not be met.
Credit Quality and Capital
For a consumer lender, credit quality matters as much as growth. Capital matters too. The Q3 numbers were mixed here.
| Measure | 30 Sep 2026 | A year earlier |
|---|---|---|
| Personal loan net charge-off rate | 2.26% | 2.60% |
| Student loan net charge-off rate | 0.63% | 0.69% |
| CET1 capital ratio | 16.9% | 20.0% |
| Cash and equivalents | $2.81bn | $4.93bn (31 Dec 2025) |
| Debt | $3.9bn | $1.8bn (31 Dec 2025) |
| Cumulative fair-value premium on loans | about $1.40bn | $2.03bn (30 Jun 2026) |
Source: SoFi Q3 2026 earnings release (SEC). Past performance is not a reliable indicator of future results.
Two Ways to Measure Charge-Offs
The reported personal loan charge-off rate fell to 2.26%. Lapointe also gave an "all-in" rate of about 3.4% that includes sales of late-stage delinquent loans, per the Investing.com transcript. Both figures come from SoFi, and they measure different things.
Fair-Value Marks and Hedges
SoFi carries most of its loans at fair value. Higher discount rates therefore cut their book value. "We had over $800 million of fair value losses, which were largely offset by about $734 million of hedge gains," Lapointe said, per the transcript.
The total capital ratio stood at 17%, against a regulatory minimum of 10.5%, according to the same call transcript. The cushion has shrunk from a year ago. Bears watch it closely.
SoFi Stock Valuation After the Jump
Valuation depends on which earnings figure you use. The table below uses the closing price of $16.40 and the company's own numbers.
| Multiple | Calculation | Result |
|---|---|---|
| Price to 2026 EPS guide | $16.40 / $0.61 | about 26.9x |
| Price to 2027 EPS outlook | $16.40 / $0.90 | about 18.2x |
| Price to tangible book | $16.40 / $7.48 | about 2.2x |
| Market value | 1,296.6m shares x $16.40 | about $21.3bn |
Source: own calculations from the SoFi Q3 2026 release and the 27 October close. The 2026 and 2027 EPS figures are company forecasts. Forecasts are not a reliable indicator of future performance.
The Motley Fool noted that the stock trades at less than 18 times the 2027 forecast. That multiple only holds if the outlook is delivered. For a refresher on these ratios, see the Admirals guides to the price-to-earnings ratio and earnings per share.
Does SoFi Pay a Dividend?
SoFi does not pay a dividend at present, based on StockAnalysis data. Returns for shareholders depend only on the share price. The company retains earnings to fund growth.
SoFi Stock Price History: Five Years of Swings
SoFi shares began trading on Nasdaq in 2021. Its share price has been very volatile since then. The table shows the last five full calendar years.
| Year | Year-end close | Annual change (close to close) |
|---|---|---|
| 2021 | $15.81 | +25.6% |
| 2022 | $4.61 | -70.8% |
| 2023 | $9.95 | +115.8% |
| 2024 | $15.40 | +54.8% |
| 2025 | $26.18 | +70.0% |
| 2026 to 27 Oct | $16.40 | -37.4% |
Source: StatMuse closing prices for 31 Dec 2021, 30 Dec 2022, 29 Dec 2023, 31 Dec 2024 and 31 Dec 2025; 2021 change from StatMuse yearly returns, measured from the end-2020 close of the listed company that merged with SoFi before its June 2021 listing; other changes are own calculations. Price changes only, before taxes and costs, which may vary. Past performance is not a reliable indicator of future results.
The history shows two things. Large rallies have often been followed by deep falls. A 13% day is also small next to past annual moves in either direction.
Analyst Views and the SoFi Price Target Range
Analysts remain divided on the stock. Bullish targets sit near $25. Bearish targets sit near $15.
| Firm | Rating | Target | Date |
|---|---|---|---|
| Scotiabank | n/a | $26 (from $25) | 28 Oct 2026 |
| StoneX | Buy | $25 | Oct 2026 |
| Needham | Buy | $24 (from $25) | 30 Jul 2026 |
| Loop Capital | Hold | $22 | 8 Sep 2026 |
| Monness, Crespi, Hardt | Buy | $20 | 26 Oct 2026 |
| TD Cowen | Hold | $17.50 (from $18) | Oct 2026 |
| Truist | Hold | $16 (from $19) | Oct 2026 |
| BofA | Underperform | $16 (from $17) | Jul 2026 |
| Goldman Sachs | Neutral | $15 (from $18) | 13 Oct 2026 |
| KBW | Underperform | $15 (from $16) | Oct 2026 |
| Morgan Stanley | Underweight | $15 (from $16) | 30 Jul 2026 |
Source: Rallies (Scotiabank); TIKR; MarketBeat; TipRanks; FinanceFeeds; Foreign Policy Journal. Targets may change after the Q3 report. Forecasts are not a reliable indicator of future performance.
SoFi Stock Consensus Rating
Consensus depends on the data provider. MarketBeat lists a "Hold" rating with an average target near $21.95, per its 27 October report. StockAnalysis shows a lower average near $20.22.
The Bull Case From Analysts
- Bulls can point to 35% member growth and a 2027 EPS outlook above the consensus, based on the Q3 release.
- Fee-based revenue reached 42% of the total, helped by the Loan Platform Business, per the same release.
- Scotiabank raised its target to $26 after the report, according to Rallies.
The Bear Case From Analysts
- Goldman Sachs warned that higher rates could hurt gain-on-sale margins, per TipRanks.
- KBW flagged the risk of large fair-value losses before hedges, as TIKR reported.
- Truist pointed to rising competition from big banks in personal loans, according to American Banker.
A strong quarter does not settle the rate question. SoFi's own 2027 plan assumes two more Fed hikes, so a faster tightening cycle could test its loan marks.
SoFi Stock and Interest Rates
Interest rates are a key driver for this stock. SoFi holds loans at fair value. It also funds itself with deposits. Both are sensitive to the Fed.
Why Higher Rates Matter
- Higher discount rates lower the fair value of loans on the balance sheet.
- Deposit costs tend to rise when the Fed tightens.
- Loan buyers may pay lower prices, which can squeeze gain-on-sale income.
The Fed raised rates by 25 basis points to 3.75% to 4.00% on 16 September 2026. You can read more in the Admirals report on how the Fed raised interest rates.
The Fed Decision on 28 October
The next Fed decision is due on 28 October at 14:00 ET, or 18:00 UK time. It had not been published when this article was written, so readers may wish to check the outcome. Danske Bank expects a hold now and further hikes later, according to an FXStreet preview. The Admirals Fed rate decision October 2026 preview covers the scenarios.
What Management Says About Rates
Lapointe argued on the call that "our business model is resilient to rate volatility," per American Banker. Markets may judge that claim by the next few CPI prints.
Crypto and Stablecoin Projects
SoFi has added several crypto products in the past year. Their contribution to revenue is still small.
| Product | Status | Key fact |
|---|---|---|
| SoFiUSD stablecoin | Live since Dec 2025 | Card programme settlement moved to SoFiUSD on 22 Sep 2026 |
| SoFi Earn (SOFIE) | Launched 22 Oct 2026 | Tokenised deposit paying 4.40% APY (variable), FDIC-insured up to limits |
| SoFi Crypto | 503k products | Q3 net crypto revenue of about $1.6m |
Source: The Block; CoinMarketCap; SoFi Q3 2026 release. The APY is a deposit rate before taxes and costs, which may vary.
The card programme is expected to exceed $25 billion of annualised volume, The Block reported. Even so, crypto revenue remains tiny next to lending.
SoFi S&P 500 Inclusion: Is It Close?
SoFi is not in the S&P 500. It was not among the September 2026 additions, according to the S&P Dow Jones Indices announcement.
In June, the Motley Fool cited a market-value threshold of about $22.7 billion. At today's share count that is roughly $17.50 per share, by our calculation. The threshold may have changed since June. Index committees also use discretion.
SoFi Stock Technical Analysis
The chart picture changed on 27 October. The price gapped up from the lower end of its recent range. The price is still below its 200-day moving average, which many traders read as a sign of a longer-term downtrend.
Moving Averages
The 50-day simple moving average stood near $16.66 and the 200-day near $18.10, according to MarketBeat on 27 October. The stock closed between the two. The Admirals guide to the moving average indicator explains how traders read these lines.
SoFi Stock Support and Resistance
| Level | Type | Why it matters |
|---|---|---|
| $32.73 | Major resistance | 52-week high |
| $19.74 to $20.00 | Resistance | July 2026 high and round number |
| $18.10 | Resistance | 200-day simple moving average |
| $17.16 | Resistance | 22 Sep close, where the October slide began |
| $16.66 to $16.76 | Pivot | 50-day average and the 27 Oct high |
| $15.67 | Support | 27 Oct low after the gap |
| $14.40 to $14.46 | Support | 26 Oct range low and close |
| $13.86 | Major support | 52-week low on 15 Oct 2026 |
Source: StockAnalysis price history; MarketBeat; Motley Fool. Past performance is not a reliable indicator of future results.
Volatility
SoFi's beta is about 2.33, per MarketBeat. In simple terms, the stock has historically been far more volatile than the broad market.
SoFi Stock Forecast 2026 and 2027: Illustrative Scenarios
The scenarios below are illustrative. They are built on public data and analyst targets. They are not predictions.
| Scenario | Illustrative range | Possible triggers |
|---|---|---|
| Positive | $18.10 to $20.00 | A close above the 200-day average and a calm Fed |
| Neutral | $15.00 to $17.16 | The stock holds part of the gap and trades on rate data |
| Negative | $13.86 to $14.46 | The gap fills after a hawkish Fed or hot CPI |
Source: levels from FinanceFeeds and MarketBeat; scenarios compiled by the author. The price may also move outside these ranges. Forecasts are not a reliable indicator of future performance.
What Could Support the Shares
- More analysts could raise targets after the beat.
- A steady Fed could ease pressure on fair-value marks.
- Index inclusion talk could return if the market value climbs.
What Could Weigh on the Shares
- A hot CPI print could revive bets on faster hikes.
- Weaker consumer credit could push charge-offs higher.
- The sell-off pattern seen after some earlier reports could repeat.
SoFi Versus Fintech Peers
SoFi is often compared with other fintech and consumer-lending names. On 27 October it outpaced Upstart and the main US indices by a wide margin.
| Name | Move on 27 Oct 2026 | Close |
|---|---|---|
| SoFi (SOFI) | +13.42% | $16.40 |
| Upstart (UPST) | +3.09% | $23.71 |
| S&P 500 | +0.60% | 7,722.60 |
| Nasdaq Composite | +1.18% | 26,477.81 |
Source: Motley Fool, Stock Market Today, 27 Oct 2026. Past performance is not a reliable indicator of future results.
The chart below shows Robinhood, another US fintech company, for comparison. SoFi earns most of its revenue from lending, based on its Q3 segment figures.
Key Dates for SoFi Stock Through January 2027
The calendar is busy. Each US data release could move rate expectations, and SoFi with them.
| Date | Time (UK) | Event | Why it matters |
|---|---|---|---|
| Wed 28 Oct 2026 | 18:00 | FOMC rate decision | Sets the tone for rate-sensitive stocks |
| Fri 6 Nov 2026 | 13:30 | US jobs report | Labour market and rate path |
| Tue 10 Nov 2026 | 13:30 | US CPI | The September print hit SoFi hard |
| Tue 17 Nov 2026 | 13:30 | US retail sales | Consumer health |
| Wed 18 Nov 2026 | 19:00 | FOMC minutes | Detail on the hike debate |
| Fri 29 Jan 2027 (unconfirmed) | Before US open | SoFi Q4 2026 results | Full 2027 guidance |
Source: FedRateCalc November 2026 calendar; Wall Street Horizon. Dates and times may change.
Live times are also listed in the Admirals economic calendar.
The Nasdaq 100 CFD chart above gives context for growth stocks. These can also react to Fed decisions.
Pros and Cons of SoFi Stock
| Pros | Cons |
|---|---|
| Revenue grew 44% in Q3 2026 | Shares are down 37.4% this year |
| GAAP profit rose 73% | Capital ratio fell from a year ago |
| 2027 outlook beat the consensus | Outlook assumes two more Fed hikes |
| Record member and product growth | Technology Platform revenue fell 24% |
| Deposits reached $51.3bn | Debt rose to $3.9bn |
| Fee-based revenue is 42% of the total | Marketing spend rose 55% |
Source: SoFi Q3 2026 earnings release (SEC); StatMuse. Past performance is not a reliable indicator of future results. The 2027 outlook is a company forecast. Forecasts are not a reliable indicator of future performance.
SoFi Stock Risks to Watch
Rate Risk
The 2027 plan already assumes higher rates. A faster cycle could hit loan marks. It could also raise deposit costs.
Credit Risk
Personal loans made up about three quarters of Q3 originations, based on the Q3 release. A weaker job market would likely show up in charge-offs first.
Dilution and Funding
SoFi raised $1.5 billion by selling shares at $27.50 in December 2025, per the pricing release filed with the SEC. Management says the 2027 plan does not require new capital. Investors may still weigh the risk of future share sales.
Insider Selling
Two executives sold shares under pre-arranged 10b5-1 plans in September and October. MarketBeat counts 50,316 shares sold by insiders over 90 days, per its 27 October report.
How Traders Often Approach SoFi Stock After Earnings
Traders tend to look at a few factors after a large earnings gap. These are general observations. They are not recommendations.
- Many traders watch whether the price holds above the gap-day low of $15.67.
- Some wait for a close above the 200-day average before reading a trend change.
- Others focus on CPI and Fed days, because the stock has often reacted sharply to them.
- Position size and stop-loss orders are common tools to manage risk around earnings, although a stop may be filled at a worse price when the market gaps.
Admirals offers CFDs on shares of US companies. Availability of specific shares can vary, so check the shares CFD product page for current details. The SoFi Technologies market data page shows recent price and news data for reference.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Practise Before You Commit Capital
A demo account uses virtual funds. It lets you test an approach on the MetaTrader 5 platform. Results may differ from live trading.
For another fintech earnings case study, see the Admirals piece on how to trade Affirm after its fiscal Q4 earnings.
Frequently Asked Questions
Why Is SoFi Stock Going Up This Week?
SoFi beat third-quarter estimates on 27 October. Its new 2027 outlook also came in above analyst expectations.
Is SoFi Stock a Buy?
Views differ widely. Analyst ratings run from Underperform to Buy, with recent targets from $15 to $26.
When Does SoFi Report Earnings Next?
Wall Street Horizon projects Q4 2026 results for 29 January 2027, before the US open. SoFi has not confirmed it.
Is SoFi in the S&P 500?
SoFi is not in the S&P 500. It was left out in September 2026, and future inclusion remains uncertain.
How Do Interest Rates Affect SoFi Stock?
Higher rates can lower fair-value loan marks and lift deposit costs. Lower rates may ease both pressures.
Does SoFi Pay a Dividend?
SoFi does not pay a dividend. It reinvests earnings into growth, so shareholder returns depend on the share price.
How Many Members Does SoFi Have?
SoFi had 17.1 million members at 30 September 2026, up 35% from a year earlier, with 26.7 million products.
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