SoFi's newly reported growth widens the gap between its operating results and a selloff driven by interest-rate fears. Revenue grew 45%, EPS 67% and members 35%, while the stock had fallen nearly 50%; the business is seen as able to succeed across rate environments. x.com 

SoFi's Q3 growth and raised outlook deepen the gap between its business and pressured shares. Adjusted revenue rose 44% to $1.4B, EBITDA 70% to $470M and members 35% to 17.1M; 2026 guidance rose to $5.04B, with a new 2027 outlook of $6.4B and $0.90 EPS. By far one of the strongest reports amid poor sentiment, this makes SoFi one of the best long-term opportunities. SoFi says eight businesses each generate over $100M annualized and targets 100M products by 2030. x.com  x.com  x.com  x.com 

SoFi's egregious dilution means business growth may fail to benefit existing shareholders. Its share count rose 61% over five years, reducing an original 1% stake to about 0.6%; even 61% earnings growth could leave earnings per share flat. As a bank, SoFi is already practically uninvestable by these standards, though dilution need not destroy value if the capital raised creates more value than the ownership surrendered. x.com 

SoFi's cross-selling is turning growth into faster profits, making its valuation more compelling than Robinhood's despite higher margins there. Q3 revenue rose 44% and adjusted EBITDA 70%; fee-based revenue reached 42% of sales. Management guides to $6.4B revenue and $2.24B adjusted EBITDA in 2027 without needing new capital for that plan, though future dilution is possible. Robinhood's 12.4x analyst-estimated 2027 sales is nearly four times SoFi's 3.3x on management guidance. SoFi must deliver. … Show more

SoFi's raised profitability guidance will help its stock move past $20; a very big move will need interest rates to fall substantially. Management lifted 2026 adjusted EPS guidance 50%, from $0.60 to $0.90, and revenue guidance to $5.04B after Q3 revenue rose over 44% and adjusted EPS grew nearly 64% year over year. x.com  x.com  x.com 

Robinhood's higher revenue and EPS make it clearly stronger than SoFi on these earnings. SoFi's post-earnings rally is unlikely to hold; its shares are headed for single digits. x.com  x.com 

SoFi's stronger revenue and earnings growth makes it worth staying with for at least another quarter. Per amitisinvesting, Q3 revenue rose 44% and adjusted EPS 64%, with 2027 revenue and EPS guidance above estimates. It still needs to show it can sustain the trajectory. x.com  x.com  x.com 

SoFi's earnings growth and accelerating margin expansion make its valuation appealing. Quarterly GAAP EPS of $0.18 puts its annualized P/E at 22 alongside 64% year-on-year earnings growth. SoFi raised 2026 adjusted EPS guidance from $0.40 to $0.61, roughly 50%, and projects adjusted revenue growth of 40% in 2026 and 27% in 2027, with adjusted EPS of $0.90 in 2027. x.com  x.com  x.com 

SoFi has failed to grow or execute, making it a poor choice when better opportunities abound. Founded in 2011, it is worth $24B, while Anthropic, founded in 2021, is valued above $1T. The problem is not that banking is boring, as @TRDRZone suggested, but that SoFi does everything poorly. x.com  x.com 

SoFi's member and revenue growth now comes with rising profitability, strengthening its growth case. Q3 revenue grew 44% year over year to $1.39 billion, members rose 35% to 17.1 million, and adjusted EBITDA grew nearly 70%. Revenue and EPS beat estimates, and full-year adjusted net revenue guidance rose to about $5.04 billion. x.com