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 

SoFi's record Q3 member gains expand its cross-selling opportunity as deposits cut funding costs and fees diversify income. It added 1.2 million members; existing members opened 51% of new products. Adjusted revenue rose 44% and EBITDA rose 70%; deposits reached $51.3 billion, with estimated annualized funding savings of $745 million. Management's initial 2027 outlook calls for $0.90 in adjusted EPS, or 48% growth over updated 2026 guidance, but it still needs to be delivered. 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 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 

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 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 improving credit and fee mix support its long-term earnings case. Q3 originations hit $16.9B; estimated all-in annualized personal-loan charge-offs, excluding delinquent sales, fell 80 bps YoY to 3.4%. Fee revenue hit $571M, or 42% of total. Management says current capital and organic generation can fund 2027 growth without a raise. $100 a share is aggressive on 2027 earnings; a multi-year path needs 25-40% revenue growth, wider margins and credit discipline. x.com  x.com  x.com  x.com  x.com  … Show more

SoFi's conservative 2027 guide leaves room to beat expectations, barring a macro shock. Its $6.4B revenue target is 4.2% above consensus and $0.90 EPS target is $0.08 ahead; Q3 revenue grew 44.5% and net margin widened 280 basis points year over year. Cross-selling is gaining traction, management says no capital raise is needed through 2027, and CEO Anthony Noto says he is as confident in durable growth at high rates as at low rates. x.com  x.com  x.com  x.com  x.com  x.com  x.com  x.com  x.com 

SoFi's revenue growth does not justify overlooking its earnings record and valuation relative to American Express. SoFi trades at 34x earnings despite GAAP EPS of $0.47 TTM, versus American Express at 19x with $16.48 TTM EPS and a long record of EPS growth. SoFi faces competition while American Express has a moat. x.com  x.com  x.com 

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