Investor Presentaiton

| Q1'24 Non-GAAP Guidance SoFi We expect to deliver $550-560M in Adjusted Net Revenue, $110-120M in Adjusted EBITDA and $10-20M in GAAP Net Income Q1'24 Low Q1'24 High (4) $550 $560 20% 22% $ in millions Adjusted Net Revenue (4 YoY Growth Adjusted EBITDA (6) $110 $120 Adjusted EBITDA Margin 20% 21% Incremental EBITDA Margin 38% 44% GAAP Net Income $10 $20 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. 13

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