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Investor Presentaiton

Quarterly Performance SoFi 80 Record Adjusted Net Revenue of $594M (34% YoY Growth) and record Adjusted EBITDA of $181M (at 30% Margin) Quarterly Adjusted Net Revenue ($M) (4) (6) Quarterly Adjusted EBITDA ($M) $594 $531 $489 $460 $443 $419 $356 $322 $98 $76 $77 $70 $44 $20 $9 $181 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 YoY Growth 51% 58% 43% 37% 27% 34% 11% 16% Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 EBITDA Margin 16% 16% 18% 30% 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. 10
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