---
schema_version: "secwatch.filing_event.v1"
accession: "0001818874-22-000236"
form_type: "8-K"
ticker: "SOFI"
cik: "0001818874"
company_name: "SoFi Technologies, Inc."
filed_at: "2022-11-01T23:59:59+00:00"
generated_at: "2026-06-22T19:09:18.174541+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# SoFi Q3 GAAP revenue $424M (+56% YoY), adj. EBITDA record $44M, raised FY guidance

## Summary
- Q3 GAAP net revenue $424M, up 56% YoY; adjusted net revenue $419M, up 51%.
- Record adjusted EBITDA $44M, up 332% YoY and 118% sequentially.
- Added nearly 424,000 new members; total members 4.7M, up 61% YoY.
- Total products 7.2M, up 69% YoY, with over 635,000 new product adds.
- Raised full-year 2022 guidance; net loss $74M ($0.09 loss per share).

## SEC filing metadata
- accession: 0001818874-22-000236
- form_type: 8-K
- ticker: SOFI
- cik: 0001818874
- company_name: SoFi Technologies, Inc.
- filed_at: 2022-11-01T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1818874/000181887422000236/0001818874-22-000236-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1818874/000181887422000236/sofi-20221101.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818874-22-000236
- JSON: https://secwatch.observer/filing/0001818874-22-000236.json
- Plain text: https://secwatch.observer/filing/0001818874-22-000236.txt

## Key facts
- Earnings Releases
  SoFi Technologies, Inc. reported three months ended September 30, 2022 results: revenue $423,985, net income Net loss (74,209), EPS Loss per share – basic and diluted (0.09). Guidance raised.
  - Period: three months ended September 30, 2022
  - Revenue: $423,985
  - Net income: Net loss (74,209)
  - EPS: Loss per share – basic and diluted (0.09)
  - Guidance: raised
  - Result: reported results
  source text: Consolidated Results Summary Three Months Ended September 30, % Change ($ in thousands) 2022 2021 Consolidated – GAAP Total net revenue $ 423,985 $ 272,006 56 % Net loss (74,209) (30,047) n/m Loss per share – basic and diluted (0.09) (0.05) n/m
  evidence_url: https://www.sec.gov/Archives/edgar/data/1818874/000181887422000236/0001818874-22-000236-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.