SoFi Has 17.1 Million Members. Prediction: It Tops 20 Million in 2027.

SoFi Technologies has reached 17.1 million members with 35% year-over-year user growth in Q3 2026. Despite the stock being down 34% in 2026, the company's fundamentals remain strong with robust cross-selling (51% of new products from existing members), continuous innovation, and a projected path to 20 million members by 2027 requiring only 13% growth.