I Can't Stay Quiet on SoFi Stock After Blowout Earnings
1 extracted signal · 0 resolved · 1 still active
Ale's World of StocksIndependent analyst profile- Source published
- 28 Oct 2026, 15:00 UTC
- Recorded by Tahlil Plus
- 28 Oct 2026, 18:21 UTC
AI-generated source summary
The analysis focuses on SoFi's strong Q3 earnings report, highlighting key performance indicators. Revenue saw a 44% year-over-year increase, reaching $1.37 billion, beating analyst consensus. Adjusted EBITDA surged 70% year-over-year to $470 million, with a record 34% margin. SoFi has consistently beaten the Rule of 40 for 20 consecutive quarters, scoring 79. Adjusted net income grew 75% year-over-year, marking the 12th consecutive profitable quarter. Lending revenue increased 68% year-over-year, with loan originations reaching $16.9 billion (+71% YoY). Ninety-day delinquencies are low at 0.4%, and net charge-offs dropped to 2.26%. The company's tech solutions segment also showed growth, climbing from $75 million in Q1 to $87.4 million in Q3. Projections for 2026-2027 indicate continued growth, with revenue guided to $5.04 billion and adjusted EBITDA to $1.66 billion for the full year. Adjusted EPS is guided to $0.61/share. For 2027, revenue is projected at $6.4 billion (+27% YoY), adjusted EBITDA at $2.24 billion (+35% YoY), and adjusted EPS at $0.90/share (+48% YoY). The company's valuation is considered low, with a forward PEG ratio of 0.65 compared to the sector median of 1.08, suggesting significant upside potential.
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