The number lifting $SOFI 15.63% today is dated 2027: adjusted EPS of $0.90, a 48% increase, on $6.4 billion of adjusted net revenue. It's stapled to a record third quarter with 44% revenue growth and 1.2 million members added, plus a raise to 2026 guidance.
The record quarter is a receipt. The 2027 line is a plan for a year that hasn't started. An $18.5 billion company with a 1.3-billion-share float is being repriced this afternoon mostly on the plan, and plans get revised in both directions by the same people who wrote them.
Separate the two when you size the position. The booked growth is what you own. The forecast is what you are being charged for, at today's price, in full.
SoFi's own gap history: 24 prior sessions opening at least 5% above the previous close, and 62% of them closed below that day's open, median open-to-close -3.02%. Same session, open versus close, nothing about the one still running.