SoFi's revenue growth, earnings beat and raised guidance suggest its inflection is starting. Revenue grew 44%, and its initial 2027 outlook topped consensus. 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 

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 historically conservative guidance and product-growth target make a path above $40 clear. Adjusted EPS grew 64% year over year while shares trade below 20x next-twelve-month earnings. Management raised FY26 guidance 12.5% and guided to $6.4B revenue and $0.90 EPS for FY27. Noto's 100 million-product target for 2030 is about 4x today's count and should translate into 4x earnings. Potential $2.44 EPS at a conservative 15-20x multiple implies $37-$49 by 2030; above $30 is a base case. x.com  … Show more

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 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 fee growth and improving credit support its Q3 triple beat. Revenue was $1.39B vs $1.26B expected, EPS 18 cents vs 17, membership 17.1M, and guidance rose. Interchange fees grew 77% year on year, brokerage fees 47%; personal-loan net charge-offs fell to 2.26%. The guide assumes two more rate hikes this year; one looks plausible, not two, leaving upside. For 2027, it assumes four hikes and a couple more percentage points of tax. x.com  x.com  x.com  x.com 

SoFi will not get a tech multiple, so it will likely underperform about 90% of tech companies over the next five years despite being a great company. Its tech platform never grew into a larger, higher-margin share of revenue, leaving it a fast-growing bank, and its guidance includes no rate cuts. It has underperformed the S&P 500 and especially the Nasdaq 100 since its 2020 SPAC listing. x.com  x.com  x.com  x.com  x.com  x.com 

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