SOFI
New year, new flex
SoFi’s latest investor-relations material is basically a growth-and-profitability mic drop. The company is guiding to $4.655 billion in adjusted net revenue for 2026, up 30%, while also aiming for $1.6 billion in adjusted EBITDA and $825 million in adjusted net income. That’s the rare combo investors love: a fast-growing fintech that wants you to notice the margin math too.
The Q1 setup looks sturdy
For the first quarter of 2026, SoFi is pointing to $1.04 billion in adjusted net revenue, 35% growth, along with $300 million in adjusted EBITDA and adjusted EPS of $0.12. Translation: management is signaling the year may start with some real momentum, not just a “please be patient” slide deck.
Why you should care
Guidance is where the vibes meet the spreadsheets. If SoFi can actually hit these numbers, the market gets a stronger case that the business is maturing from high-growth upstart to something closer to a durable, profit-generating financial platform.
Big picture
For investors, this is less about a single quarter and more about the story SoFi is trying to write: growth without the usual fintech chaos. If the company can keep that engine humming, the stock gets a lot more interesting.