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SoFi Jumps After Q3 Beat and Guidance Hike as Investors Weigh Valuation

Record membership, revenue plus loan originations underscore the fintech’s expansion beyond student‑loan refinancing.

Overview

  • Shares rose about 12.3% in October following the quarterly report and raised outlook.
  • Adjusted EPS reached $0.11 versus $0.08 expected, with revenue up 38% to $962 million against a $904 million consensus.
  • Membership climbed 35% to 12.6 million as Financial Services and Technology Platform revenue increased 57% to $534 million, signaling stronger cross‑buy.
  • Loan originations advanced 57% to $9.9 billion across mortgages, student loans, and personal loans.
  • Management lifted full‑year EPS guidance to $0.37 from $0.31, while a 181% one‑year share gain and prices above the average target heightened valuation debate.