Investor Presentaiton

2023 Year in Review SoFi 8 SoFi Awarded 5 Banking and 2 PL Awards in NerdWallet's 2023 Best-Of Awards January February SoFi Checking and Savings Turns One SoFi Money Offers Up to $2M in FDIC Insurance March SoFi Named to Fast Company's Annual List of the World's Most Innovative Companies SoFi Launches SoFi Travel Powered by Expedia May April SoFi Acquires Wyndham Capital Mortgage SoFi at Work Launches Student Loan Verification Service June SoFi Launches "Face of Finance" Marketing Campaign July SoFi Invest Offers ODDITY IPO to Retail Investors SoFi is Named to CNBC World's Top Fintech Companies List August SoFi Stadium Hosts Taylor Swift and Beyonce SoFi Invest Offers ARM and CART IPOs to Retail Investors September SoFi Invest launches Enhanced Yield ETF November October SoFi Launches "All Your Ambitions, All In One App" Marketing Campaign December SoFi Reaches over 7M Members Consolidated Financial Highlights Segment Financial Highlights Revenue ($ in 000's) 2023 2022 % YoY Adjusted Net Revenue ($ in 000's) 2023 2022 % YoY Net Revenue (GAAP) $2,123 $1,574 35% Lending $1,336 $1,107 21% Servcing Rights (35) (40) -12% Tech Platform 352 315 12% Residual Interest Classified as Debt 0.4 7 -94% Financial Services 437 168 160% Gain on Extinguishment of Corporate Debt (15) n/m Corporate (51) (49) -4% (4) Adjusted Net Revenue (Non-GAAP) $2,074 $1,540 35% (4) Adjusted Net Revenue (Non-GAAP) $2,074 $1,540 35% Adjusted EBITDA ($ in 000's) Adjusted EBITDA Contribution Profit ($ in 000's) (6) Adjusted EBITDA Margin Net Income ($ in 000's) GAAP Net Loss $(301) $(320) -6% Lending Tech Platform Financial Services Contribution Profit Note: See "Footnotes" section for detailed explanations and definitions. The sum of individual metrics may not always equal total amounts indicated due to rounding. $432 21% $143 201% 9% 124% $823 $664 24% 95 77 24% (0) (199) 100% $918 $541 70% © 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. 3

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