SoFi Expects to Earn 48% More in 2027. Is the Stock a Buy?

SoFi raised its 2026 guidance and introduced a bullish 2027 forecast, expecting adjusted net revenue of $6.4 billion (27% YoY growth) and adjusted EPS of $0.90 per share (48% growth). The company posted record Q3 results with 44% revenue growth, added 1.2 million members, and improved credit quality. Trading at ~17x forward earnings for a company with near-50% earnings growth, the author views the stock as undervalued relative to its growth prospects, though risks remain tied to consumer lending exposure.