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SoFi Technologies (SOFI) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
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SoFi Technologies, Inc. (SOFI - Free Report) reported $1.37 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 44.4%. EPS of $0.18 for the same period compares to $0.11 a year ago.
The reported revenue represents a surprise of +9.08% over the Zacks Consensus Estimate of $1.26 billion. With the consensus EPS estimate being $0.17, the EPS surprise was +5.88%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how SoFi Technologies performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Total Accounts - Technology Platform segment: 140.44 million versus the two-analyst average estimate of 139.77 million.
Total Products - Financial Services segment: 23.24 million versus the two-analyst average estimate of 23.05 million.
Net Interest Income: $929.45 million compared to the $840.99 million average estimate based on three analysts. The reported number represents a change of +58.9% year over year.
Total Noninterest Income: $455.65 million versus $425.24 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +21% change.
Loan platform fees: $151.16 million versus $156.16 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -8.3% change.
Total Interest Income: $1.34 billion compared to the $1.25 billion average estimate based on two analysts. The reported number represents a change of +50.7% year over year.
Other: $94.87 million versus $98.14 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +68.1% change.
Technology products and solutions: $55.68 million versus $57.92 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -37.9% change.
Loan origination, sales, securitizations and servicing: $152.31 million versus $92.74 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +132.8% change.
Shares of SoFi Technologies have returned -9.2% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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SoFi Technologies (SOFI) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
SoFi Technologies, Inc. (SOFI - Free Report) reported $1.37 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 44.4%. EPS of $0.18 for the same period compares to $0.11 a year ago.
The reported revenue represents a surprise of +9.08% over the Zacks Consensus Estimate of $1.26 billion. With the consensus EPS estimate being $0.17, the EPS surprise was +5.88%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how SoFi Technologies performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for SoFi Technologies here>>>
Shares of SoFi Technologies have returned -9.2% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.