$SOFI closed up 13.4% at $16.40 Tuesday. The number I said I'd read first, net interest margin, came in at 6.14%, up 16 basis points from Q2. That's the part that matters to me. SoFi funds its loans with deposits, and deposits grew $5.8B in the quarter to $51.3B. The margin widened while the deposit base grew, with the Fed at 3.75% to 4.00%. The rest of the print: adjusted net revenue $1.37B, up 44%. EPS $0.18 against roughly $0.17 expected. A record 1.2M new members, 17.1M in total. Tangible book $7.48 a share. What I'd hold back on: full-year revenue guidance went up to about $5.04B, but the EPS guide stayed at about $0.61. More revenue, same profit outlook for the year. I want to hear why on the call before I call this a clean quarter. I own it and I'm doing nothing today. A 13% day on one print is the market's verdict. Mine waits for the Q4 margin.