SoFi Technologies reports its third-quarter 2026 results today before the open, with consensus estimates at $0.17 adjusted EPS and $1.25 billion revenue, reflecting over 50% year-over-year EPS growth. The 65% market-implied probability for a beat draws primarily from the company's consistent track record, including beats or meets in 17 of the past 18 quarters, supported by 35% member growth and 42% product expansion reaching 24.4 million in the prior period. Raised full-year revenue guidance and a $45.5 billion deposit base funding prime lending provide additional tailwinds. Offsetting these, rising interest rates create fair-value accounting headwinds estimated above $1 billion before hedges, pressuring capital ratios and contributing to mixed analyst ratings and the stock's 44% year-to-date decline near $14.50. Trader consensus balances this execution history against macroeconomic sensitivities ahead of the print.