SoFi Projects Accelerated Growth with Strong 2026 Financial Outlook

Feb 4, 2026 (22 hr ago)

Positive

SoFi Projects Accelerated Growth with Strong 2026 Financial Outlook

SoFi issued robust full-year 2026 guidance projecting significant acceleration in revenue growth and margin expansion.

2026 Growth Trajectory and Margin Targets

The full-year 2026 outlook calls for 30% revenue growth and 34% adjusted EBITDA margins1, 3
This guidance signals faster growth than 2025, with management targeting over 50% incremental margins3
Management plans to add 4 million new members in 2026, an increase from the 3.5 million expected in 20251

Recent Performance Outperformance

The company reported record operational results leading into the guidance period1
SoFi has a strong history of exceeding forecasts, beating Street adjusted EBITDA estimates by 18% in both Q1 2025 and Q1 20241

Competitive Fintech Positioning

SoFi continues to add new members and deposits at a record pace2
This performance stands in contrast to other fintech companies currently reporting deposit outflows or stagnant member growth2

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SoFi Projects Accelerated Growth with Strong 2026 Financial Outlook | Foxly Invest