Investor Presentaiton
Fair Value of Loans
SoFi
FY 2021
FY 2022
FY 2023
Q1'21
Q2'21
Q3'21
Q4'21
Q1'22
Q2'22
Q3'22
Q4'22
Q1'23
Q2'23
Q3'23
Q4'23
Unpaid principal
$1,536,702
Accumulated interest
9,371
Cumulative FV adjustments
27,835
Fair value of loans on balance sheet
$1,573,908
$1,705,269
9,218
49,055
$1,763,542
$1,970,522
10,409
73,295
$2,054,226
$2,188,773
12,310
88,343
$2,289,426
$3,006,363
17,893
94,532
$3,118,788
$3,943,768
23,055
142,922
$4,109,745
$6,667,484
40,387
193,333
$6,901,204
$8,283,400
55,673
271,361
$8,610,434
$10,039,769
69,049
82,868
105,156
428,181
496,360
568,836
$10,536,999 $12,751,163 $14,850,996
$12,171,935 $14,177,004
$14,498,629
114,541
717,403
$15,330,573
Personal Loans
Student Loans
Unpaid principal
$2,590,442
Accumulated interest
Cumulative FV adjustments
Fair value of loans on balance sheet
8,222
68,129
$2,666,793
$2,646,209
7,820
85,464
$2,739,493
$2,470,907
6,967
76,567
$2,554,441
$3,356,344
9,990.
84,503
$3,450,837
$3,683,512
9,740
44,187
$3,737,439
$3,657,693
9,601
47,081
$3,714,375
$3,888,642
11,463
24,943
$3,925,048
$4,794,517
19,433
63,227
$4,877,177
$5,086,953
20,787
132,319
$5,240,059
$5,262,975
21,164
99,782
$5,383,921
$5,929,047
$6,445,586
26,497
86,000
$6,041,544
34,357
245,541
$6,725,484
Home Loans
Unpaid principal
Accumulated interest
Cumulative FV adjustments
Fair value of loans on balance sheet
$228,645
106
3,152
$231,903
$178,373
$181,581
123
3,817
$182,313
90
3,208
$184,879
$210,111
190
2,408
$212,709
$153,222
182
(6,746)
$146,658
$142,118
159
(7,015)
$135,262
$106,869
166
(9,231)
$97,804
$77,705
151
(8,393)
$69,463
$89,782
162
(8,897)
$81,047
$87,928
150
(9,495)
$78,583
$110,320
163
(9,187)
$101,296
$67,406
92
(1,300)
$66,198
Unpaid principal
Accumulated interest
$4,355,789
Cumulative FV adjustments
Fair value of loans on balance sheet
17,699
99,116
$4,472,604
$4,529,851
17,161
138,336
$4,685,348
$4,623,010
17,466
153,070
$4,793,546
$5,755,228
22,490
175,254
$5,952,972
$6,843,097
27,815
131,973
$7,002,885
$7,743,579
32,815
182,988
$7,959,382
$10,662,995
52,016
209,045
$13,155,622
72,257
326,195
$15,216,504
89,998
551,603
$17,522,838
104,182
586,647
$20,216,371
131,816
645,649
$21,011,621
148,990
961,644
$10,924,056
$13,557,074
$15,858,105
$18,213,667
$20,993,836
$22,122,255
Total
Note: See "Footnotes" section for detailed explanations and definitions. The sum of individual metrics may not always equal total amounts indicated due to rounding.
© 2023 Social Finance, Inc. Advisory services offered through SoFi Wealth LLC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS # 1121636. SoFi Bank, N.A., NMLS #696891.
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