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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
SoFi Technologies
SoFi Technologies (SOFI) investor relations material
SoFi Technologies Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Oct, 2026
Executive summary
Q3 adjusted net revenue was $1.371B, up 44% YoY; GAAP net revenue was $1.385B, also up 44%.
Adjusted EBITDA reached a record $469.8M at a 34% margin; adjusted net income was $243M and adjusted diluted EPS was $0.18.
Members grew 35% YoY to 17.1M and products rose 44% to 26.7M; quarterly additions reached records of 1.2M members and 2.2M products.
Rule of 40 score was 79 for a 20th consecutive quarter above 40; adjusted net income marked 12 consecutive profitable quarters.
Financial highlights
Q3 net interest income rose 59% YoY to $929.5M; noninterest income increased 21% to $455.6M.
Fee-based revenue was $570.6M, up 40% YoY and 21% QoQ, representing 42% of adjusted net revenue.
Cash revenue was $1.386B, including $927M net interest income and $460M fees; this was the fourth consecutive quarter above $1B.
Q3 GAAP net income was $241.0M; 9M GAAP net income reached $564.3M, up 83% YoY.
Tangible book value was $9.7B, up $234.7M QoQ; tangible book value per share was $7.48 versus $5.97 YoY.
Outlook and guidance
FY2026 adjusted net revenue guidance rose to $5.04B, implying 40% YoY growth; adjusted EBITDA is $1.66B, adjusted net income $840M and adjusted EPS $0.61.
FY2026 guidance implies a ~33% adjusted EBITDA margin and ~17% adjusted net income margin; member growth is expected to be at least 30% YoY.
Q4 guidance: adjusted net revenue ~$1.375B, up 36% YoY; adjusted EBITDA $492M, adjusted net income $276M and adjusted EPS $0.19.
Preliminary FY2027 targets are $6.4B adjusted net revenue, $2.24B adjusted EBITDA, $1.28B adjusted net income and $0.90 adjusted EPS; implied revenue growth is 27%.
FY2027 outlook assumes two rate hikes and a 24% tax rate; growth is planned to be funded organically without additional capital.
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Latest events from SoFi Technologies
- Record Q4 EBITDA and GAAP income anchored 2024 growth and profitability targets.SOFI
Q4 2023 - Rapid growth, dynamic capital strategy, and product innovation fuel strong financial outlook.SOFIGoldman Sachs Communacopia + Technology Conference 2026
- Record revenue and net income growth drive raised 2026 outlook and strong profitability.SOFIQ2 2026
- All proposals passed; leadership targets 30% annual growth and highlights new product innovation.SOFIAGM 2026
- Rapid expansion into crypto, stablecoin, and subscriptions drives high-margin growth.SOFIJ.P. Morgan 54th Annual Global Technology, Media and Communications Conference
- Annual meeting to vote on directors, executive pay, auditor, and review governance and ESG practices.SOFIProxy filing
- Virtual annual meeting to elect directors, approve pay, and ratify auditor, all board-backed.SOFIProxy filing
- Record Q1 revenue, net income, and member growth with strong outlook for 2026.SOFIQ1 2026
- Record revenue, first full year of GAAP profit, and strong 2025 outlook.SOFIQ4 2024
Next SoFi Technologies earnings date
Q4 202629 Jan, 2027
SoFi Technologies
Next SoFi Technologies earnings date
Q4 202629 Jan, 2027
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Frequently asked questions
Providing a wide range of digital financial services
SoFi is a financial technology company that provides a range of digital financial services, including personal loans, student loan refinancing, mortgages, investing, and banking. The company's mission is to help people achieve financial independence and reach their financial goals. Some other companies in the financial technology space include PayPal, Block (formerly Square), and Robinhood.
The three main business segments
SoFi operates through three main business segments: Lending, Investing, and Money.
The Lending segment provides personal loans, student loan refinancing, and mortgages to its customers.
The Investing segment provides investment products such as stocks, exchange-traded funds (ETFs), and cryptocurrencies.
The Money segment provides cash management and banking services.
Interesting facts about SoFi
SoFi was founded in 2011 and is headquartered in San Francisco, California. The company has a growing presence in the financial industry, with more than 3.5 million members. SoFi has also entered into partnerships with major financial institutions, including Fidelity and Coinbase, to expand its reach and capabilities. An interesting fact about SoFi is that the company recently went public through a merger with a special purpose acquisition company (SPAC), a type of investment vehicle used to take companies public without the traditional initial public offering (IPO) process.
Additionally, SoFi is one of the few fintech companies that has obtained a national bank charter, which allows it to provide banking services to its customers.