$SOFI just dropped a monster Q3 beat-and-raise, plus their first look at 2027. ​Wall Street spent all month cutting price targets to $15 while the business was quietly putting up record scale. ​Q3’26 Numbers: • Revenue: $1.4B vs. $1.25B Est. (+44% YoY) • EPS: $0.18 vs. $0.16 Est. (+64% YoY) • Adj. EBITDA: $469.8M (+70% YoY — 34% margin) • GAAP Net Income: $241M • Members: 17.1M (+35% YoY | Record +1.2M added in Q3) • Products: 26.7M (+44% YoY | Record +2.2M added in Q3) ​FY26 Guidance Raised: • Adj. Revenue: ~$5.04B vs. $4.87B Est. (+40% YoY) • Adj. EPS: ~$0.61 vs. $0.59 Est. • Adj. EBITDA: ~$1.66B | Net Income: ~$840M ​Brand New FY27 Guidance: • Adj. Revenue: ~$6.4B vs. ~$5.9B–$6.0B Est. (+27% YoY) • Adj. EPS: ~$0.90 vs. $0.82 Est. • Adj. EBITDA: ~$2.24B | Net Income: ~$1.28B (~20% net margin) $SOFI is trading at ~17x 2027 EPS with $51.3B in deposits, a 6.14% NIM, and $570.6M in quarterly fee-based revenue. ​8 straight quarters of beating estimates. The fundamentals are completely detached from the YTD stock chart.