This is why I continue to be bullish on the long-term $SOFI thesis. Q3 adjusted net revenue hit a RECORD $1.4B, up 44% YoY, while adjusted EBITDA jumped 70% to $470M. GAAP net income reached $241M, members grew 35% to 17.1M, and total products increased 44% to 26.7M. Those are not small improvements. That is operating leverage showing up across the business. What really catches my attention is management raising 2026 guidance to roughly $5.04B in adjusted net revenue and $1.66B in adjusted EBITDA, while already introducing a 2027 outlook of $6.4B in adjusted revenue, $2.24B in EBITDA, and $0.90 EPS. That is the part I care about as an investor. Revenue is scaling, profitability is scaling faster, membership keeps expanding, and SoFi continues moving closer to becoming a full financial operating system instead of just another fintech app. I’m still watching valuation, credit quality, deposit growth, and whether execution keeps matching the story, but this quarter strengthens the thesis. As a SoFi Maxie, I like what I’m seeing. Sources: https://t.co/cNchYGp1Ki https://t.co/0zLQw09USz EDUCATIONAL MARKET COMMENTARY ONLY. NOT A RECOMMENDATION TO BUY, SELL, OR HOLD. $SOFI #SoFi #FinTech #Investing #TheFinancialLedger #WealthCoachLathan