Investor Presentaiton

| FY 2023 Non-GAAP Results vs Guidance SoFi 8 FY 2023 Adj. Net Revenue was $2.07B vs guidance of $2.045-2.065B, representing a $9M beat at the high end Adj. EBITDA was $432M vs. guidance of $386-396M, representing a $36M beat at the high end $ in millions FY 2023 GUIDANCE VARIANCE TO GUIDANCE 2023 Low High Low High Adjusted Net Revenue (4) $2,074 $2,045 $2,065 $29 $9 % Delta 1% 0.4% Adjusted EBITDA (6) $432 $386 $396 $46 $36 Adjusted EBITDA Margin 21% 19% 19% 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. 12

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