{
  "id": 20213979,
  "title": "SoFi Expects About 50% Earnings Growth in 2027 and Says It Won't Need to Raise New Capital",
  "url": "https://urgent.news/2026/11/15/sofi-expects-about-50-earnings-growth-in-2027-and-says-it-wont-need",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-11-15T18:59:00.000Z",
  "source": {
    "name": "Motley Fool",
    "slug": "motley-fool",
    "url": "https://www.fool.com/investing/2026/11/15/sofi-expects-about-50-earnings-growth-in-2027-and/?source=iedfolrf0000001"
  },
  "original_language": "en",
  "account": "SoFi Technologies (SOFI) is experiencing strong growth, and its CFO Chris Lapointe expects this trend to continue without the need for additional capital. Since its initial public offering in mid-2021, the company's share count has expanded from 365 million to nearly 1.4 billion, with an additional $1.5 billion in shares created and sold in the last year. Despite concerns about further dilutive fundraising, SoFi's CFO believes its growth is now self-sustaining, relying on its current cash flow. In Q3 earnings, SoFi raised its 2026 revenue projection to $5.04 billion, up 40% from 2025, and revised its earnings per share to $0.61 from $0.39 the previous year. With a tough 2026 behind it, SoFi now anticipates reaching revenue of $6.4 billion in 2027, a 27% increase over the current projection, which would result in net income of $1.28 billion and earnings per share of $0.90, a 47% increase from the current estimate. SoFi has already added 1.2 million customers in Q3, a 35% year-over-year growth, and a 44% increase in total active product/service usage, with more than half of product sales coming from existing customers. The company's modest valuation, at 17 times next year's expected per-share profits, suggests room for upside potential, particularly beyond 2027. Analysts believe the stock is undervalued, with a consensus 12-month price target of $20.67, more than 30% above its current price.",
  "summary": "The online bank's growth is now being earned rather than bought. This is a key turning point for investors.",
  "key_points": [
    "SoFi CFO Chris Lapointe expects 50% earnings growth by 2027 without raising new capital",
    "Company's share count grew from 365 million to nearly 1.4 billion since IPO",
    "SoFi anticipates $6.4 billion revenue in 2027, 27% increase over current projection"
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Nasdaq Markets",
        "title": "SoFi Expects About 50% Earnings Growth in 2027 and Says It Won't Need to Raise New Capital",
        "url": "https://urgent.news/2026/11/15/sofi-expects-about-50-earnings-growth-in-2027-and-says-it-wont-need-20222320",
        "published": "2026-11-15T19:19:00.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}