Q3'26 Earnings Presentation

Q3 2026

Durable Growth and Strong Returns Product Innovation and Brand Building

• SoFi raises 2026 guidance on continued business momentum

• Record Adjusted Net Revenue of $1.4B, with revenue growth accelerating +44% YoY

• Record Adjusted EBITDA of $470M (34% Adjusted EBITDA margin)

• Record Adjusted Net Income of $243M (18% Adjusted Net Income Margin) and Adjusted EPS of $0.18; 12th straight quarter of profitability

• 20th consecutive quarter exceeding the Rule of 40

• Fee-based Revenue increased 21% from the prior quarter to $571M, representing 42% of Adjusted Net Revenue

• Cash Revenue of $1.4B, in line with total Adjusted Net Revenue

• Record loan originations of $16.9B in the quarter

• Credit remains strong and in line with expectations

• Total deposits grew $5.8B QoQ to $51B

• Tangible Book Value growth of $235M QoQ to $9.7B

• Return on tangible common equity of approximately 10%

• Record Member and Product Growth: SoFi set new records by adding 1.2M new members and

  2.2M new products.

• Cross-buy Acceleration: Cross-buy reached 51%, up 11 percentage points year-over-year, demonstrating the power of SoFi's "Everything App" strategy. Products per member increased to 1.56, up from 1.47 a year ago.

• Increased Product Monetization: Annualized Financial services revenue per product increased to approximately $90 and lending adjusted revenue per product increased to approximately

  $942.

• Record Loan Originations: SoFi achieved record total loan volume of $16.9B and record originations for personal and student loans.

• Setting Bold Ambitions for 2030: SoFi now has eight businesses each generating over $100M in annualized revenue. By 2030, the Company plans on reaching 100 million products and scaling five businesses to more than $1 billion in revenue, five businesses to more than $500 million in revenue and five businesses to more than $100 million in revenue.

• Strategic Partnership to Connect Banking and Digital Asset Markets: SoFi partnered with Payward, a unified financial infrastructure platform, to enhance banking, payments, liquidity, and digital asset markets.

• First National Bank Stablecoin Settlement on Mastercard's Network: SoFi went live with stablecoin settlement across Mastercard's global payments network, initiating the migration of its full card program to blockchain-based settlement with an expected annualized volume exceeding $25B using SoFiUSD.

• Launch of First National Bank-Issued Tokenized Deposit: SoFi Earn (SOFIE) is the first and only national bank-issued tokenized deposit for consumers, offering 4.40% APY with FDIC insurance.

Note: Adjusted net revenue, adjusted EBITDA, adjusted EBITDA margin, adjusted net income, adjusted net income margin, adjusted EPS, lending adjusted revenue per product, cash revenue and tangible book value are non-GAAP financial measures. See "Footnotes" and "Financial Supplement" sections for detailed definitions and reconciliations to the nearest GAAP metric. See page 18 for details on fee-based revenue.

© 2026 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. 3

Delivering

through

© 2026 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. 4

Get Your Money Right

Crypto

SoFi has developed a suite of financial products that offers the speed, selection, content and convenience that only an integrated digital platform can provide

Member Banking Credit Card Invest Loans

SoFi's dedicated member team leverages an AI-driven Coach to provide a personalized experience across the entire SoFi platform

SoFi Money provides members with a high APY, $3M of FDIC insurance, early paychecks, no account fees, and easy money movement features

SoFi offers a suite of credit cards with unique cashback rewards, zero fraud liability, no

surprise fees and automatic credit line reviews

SoFi Invest empowers members with the same tailored insights and high-tier investment options traditionally reserved for the ultra-wealthy

SoFi supports members through life's biggest moments, offering seamless borrowing for education, home buying, debt consolidation, and more

SoFi is the first nationally licensed bank allowing members to buy, sell and hold dozens of tokens, including SoFiUSD, and to hold funds as a tokenized deposit with SoFi Earn

SoFi Plus

SoFi's premium membership tier provides benefits that span our offering

Unaided Brand Awareness

9.6%

11.6%

4.5%

5.5%

7.2%

2.6x Increase

2026 Accolades

1

#1 U.S. Bank in Forbes' World's Best Banks JD Power 2026 U.S. Investor Satisfaction

# Study for DIY Investing

2022 2023 2024 2025 3Q26

Members (in thousands) (1)

CAGR: 37%

17,074

13,651

10,127

5,223

7,542

2022 2023 2024 2025 3Q26

• Tremendous opportunity with digitally-oriented generations, who comprise half of the American population

• Brand awareness brings new members into the Financial Services Productivity Loop

• A full suite of products and a superior value proposition help members spend less than they make and invest the rest-building trust and leading members to take out more products

• Strong cross-buy and revenue per product improve unit economics, leading to higher member Lifetime Values (LTVs)

• Higher LTVs allow us to innovate and iterate with new products and features, further strengthening the value proposition and driving sustained member and product growth

• This virtuous cycle is our sustainable competitive advantage

  Cross-buy rate of 51% in Q3'26

  demonstrates the power of the FSPL

  Revenue Per Product Monetization is a key driver of performance

  FY 2024 FY 2025 FY 2026

  (dollars in 000's, except per product amounts)	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26
  Lending Segment
  Personal loans Student loans Home Loans	1,152,688 521,835 30,632	1,222,230 532,279 32,071	1,305,246 551,838 33,677	1,405,928 568,612 35,814	1,507,344 583,914 38,575	1,641,340 596,351 42,677	1,791,918 622,840 47,830	1,935,607 644,225 53,354	2,100,366 672,407 58,579	2,325,262 703,081 65,016	2,598,719 759,726 71,609
  Total lending products (4)	1,705,155	1,786,580	1,890,761	2,010,354	2,129,833	2,280,368	2,462,588	2,633,186	2,831,352	3,093,359	3,430,054
  Adjusted net revenue - Lending (Non-GAAP) (2)	$ 325,323	$ 339,052	$ 391,892	$ 422,783	$ 412,334	$ 446,798	$ 481,408	$ 486,466	$ 629,284	$ 711,672	$ 807,370
  Lending adjusted revenue per product (5)	$ 763	$ 759	$ 829	$ 841	$ 774	$ 784	$ 782	$ 739	$ 889	$ 920	$ 942
  Financial Services Segment
  Money	3,880,021	4,298,642	4,720,305	5,094,785	5,477,472	5,887,669	6,336,705	6,791,108	7,319,872	7,888,387	8,501,822
  Invest	2,224,705	2,332,045	2,394,367	2,525,059	2,684,658	2,853,416	3,045,078	3,244,143	3,672,884	3,931,718	4,180,957
  Credit Card	254,617	260,585	264,937	279,360	306,106	344,469	392,008	435,722	436,184	509,825	656,132
  Referred loans	59,555	65,308	73,090	85,205	102,986	122,580	135,535	149,872	162,485	180,443	194,465
  Crypto	-	-	-	-	-	-	-	63,441	239,509	388,336	503,070
  SoFi Plus	-	-	-	-	-	-	-	-	-	206,000	272,835
  At Work	92,389	99,564	107,668	113,917	119,886	127,224	147,348	163,411	176,142	189,078	202,554
  Relay	3,613,686	3,933,706	4,199,602	4,636,755	5,094,484	5,526,315	6,033,791	6,687,259	7,320,718	7,993,828	8,729,690
  Total financial services products(4)	10,124,973	10,989,850	11,759,969	12,735,081	13,785,592	14,861,673	16,090,465	17,534,956	19,327,794	21,287,615	23,241,525
  Total net revenue - Financial Services	$ 150,551	$ 176,132	$ 238,308	$ 256,520	$ 303,119	$ 362,533	$ 419,623	$ 456,741	$ 428,543	$ 466,278	$ 525,095
  Financial Services revenue per product	$ 59	$ 64	$ 81	$ 81	$ 88	$ 98	$ 104	$ 104	$ 89	$ 88	$ 90

  Note: Lending adjusted revenue per product is a non-GAAP financial measure. See "Footnotes" and "Financial Supplement" sections for a detailed definition and reconciliation to the nearest GAAP metric. Revenue per product amounts are annualized.

  Rule of 40 SoFi is built to consistently deliver a unique combination of growth and returns

  Rule of 40

  • Consistently exceeded the Rule of 40

74

73

72

67

68

70

62

65

55

2%

16% 59

57

60

52

3%

56

6%

11%

53

51

51

29%

16%

45

29%

31%

31%

30%

16%

30%

45

27%

18%

25%

27%

27%

54%

49%

50%

51%

58%

23%

43%

37%

44%

27%

34%

38%

37%

41% 40%

26%

22%

30%

24%

33%

34%

79 for five years, achieving an average score of 61%

• Delivered consistent performance across a variety of macroeconomic environments

• Demonstrated ability to drive high-quality, profitable growth

• Achieved a growth and profitability profile that exceeds legacy financial institutions and places SoFi in rarefied air among fintech and broader technology companies

4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26

Adjusted Net Revenue Growth (%) Adjusted EBITDA Margin (%) Rule of 40 Score

Note: Rule of 40 is calculated as the quarterly year-over-year change in adjusted net revenue plus quarterly adjusted EBITDA margin. Adjusted net revenue and adjusted EBITDA margin are non-GAAP financial measures. See "Footnotes" section for detailed explanations and definitions. The sum of individual metrics may not always equal total amounts indicated due to rounding.

Driving 30%+ growth and strong returns by addressing huge opportunities for existing and new businesses

Adjusted Net Revenue ($ in millions) (2) Adjusted Earnings Per Share(3)* Growth Opportunities

• Continued growth across key segments

$6,400

$5,040

$3,591

$2,606

$2,074

$1,540

$(0.40)

$0.90

driving Net Interest Income and fee-based revenue:

$0.61

$0.39

$0.15

$(0.10)

• Refinancing the nearly $1T of prime, U.S. credit card debt with SoFi Personal Loans

• Capturing an approximate $400B student loan refinance opportunity at current rates, alongside in-school lending

• Gaining share in the massive home loan market through purchase, refinance, and home equity products

• Taking share of massive deposit and investment markets (currently holding <1%) to drive increasing interchange and brokerage fee revenue

  2022 2023 2024 2025 2026 2027

  Guidance

  2022 2023 2024 2025 2026 2027

  Guidance

• Driving innovation through new business initiatives across crypto, AI, Big Business Banking, and SoFi Tech Solutions

Note: Adjusted net revenue and adjusted earnings per share are non-GAAP financial measures. See "Footnotes" and "Financial Supplement" sections for detailed definitions and reconciliations to the nearest GAAP metric.

* Excludes non-recurring benefits related to transaction-related expenses and restructuring charges in 2Q26 and 3Q26, deferred taxes in 2024, and goodwill impairment in 2023 and includes adjustment to diluted common stock outstanding for the benefits of the capped call transactions beginning in 4Q24. There were no adjustments to adjusted earnings per share in 2022 and 1Q26.

1

2

NET INCOME MARGIN REVENUE TO EQUITY

RATIO

Adj. Net Income Adj. Net Revenue

x =

Common Equity

Adj. Net Revenue Avg. Tangible

RETURN ON TANGIBLE COMMON EQUITY

ROTCE

Adjusted net income margins will expand as businesses mature and higher-margin businesses are a larger part of revenue mix

1 •

• Incremental adjusted net income margins have already been ~30%, while growing revenue more than 35%, demonstrating that these margin levels are achievable

  2•

• Over time, incremental margins will become overall margin

  Adjusted net revenue will grow without a commensurate increase in equity driven by more capital-light, fee-based businesses

  25% 1 25%

  • Over time, fee-based revenue will grow from ~40% of total revenue to 50%+

Equity Ratio

Adj. Net Income Margin Adj. Net Revenue to

ROTCE

Illustrative example of delivering 25% ROTCE

Note: Adjusted net income, adjusted net income margin, adjusted net revenue, average tangible common equity and ROTCE are non-GAAP financial measures. See "Footnotes" and "Financial Supplement" sections for detailed definitions and reconciliations to the nearest GAAP metric.

SoFi is bringing the strength of a nationally licensed bank to the forefront of digital financial services

SoFi Crypto SoFi Pay SoFiUSD Big Business Banking

SoFi became the first nationally chartered bank to launch consumer crypto trading, allowing members to instantly buy dozens of cryptocurrencies directly from their interest-bearing, FDIC-insured deposit accounts.

SoFi enhanced its money movement capabilities with the launch of SoFi Pay, leveraging blockchain technology to allow members to send money across more than 30 countries in a fast, seamless, low-cost, and secure way.

SoFi became the first nationally chartered bank to issue a stablecoin on a public, permissionless blockchain. SoFiUSD is backed by cash at the Federal Reserve (with zero credit, liquidity, or duration risk) and underpins future initiatives across the company.

SoFi introduced Big Business Banking to provide fiat and crypto banking on a single regulated platform, featuring institutional-grade safeguards and real-time, API-driven 24/7 money movement.

SoFi Coach SoFi Tech Solutions Small Business Loans SoFi Earn

SoFi launched SoFi Coach, leveraging AI to provide insights across all areas of financial activity. Building upon Cash Coach, it answers questions, provides investment and lending options, helps set and track goals, and simplifies time-consuming processes.

SoFi introduced a new go-to-market strategy offering enterprise clients a wider range of services, including Processing, Banking Core Ledgers and Services, Payment Hub, and Risk and Fraud Platforms, powering growth across banks, fintechs, and consumer brands.

SoFi launched SoFi Small Business Loans to provide entrepreneurs with fast, transparent financing directly through its digital-first platform, capturing a high-demand market while laying the groundwork for future business product innovations.

SoFi launched SoFi Earn, the first and only national bank-issued tokenized deposit for consumers. SoFi members can now earn interest on digital dollars while keeping them ready to use, representing the company's fifth new crypto offering in less than a year.

Members (in thousands) (1) Products (in thousands) (4) Products Per Member

1.56

1.54

1.51

1.47

1.48

2022 2023 2024 2025 3Q26

Members

2022 2023 2024 2025 3Q26

Products

3Q25 4Q25 1Q26 2Q26 3Q26

Products per member reached an all-time high of 1.56 in Q3 2026

Note: Prior year data as of 12/31.

Note: See "Footnotes" section for detailed explanations and definitions. The sum of individual metrics may not always equal total amounts indicated due to rounding.

Adjusted Net Revenue ($ in millions) (2) Adjusted EBITDA ($ in millions) (7) Adjusted Net Income ($ in millions) (8)*

2026 Guidance

~$5,040

2026 Guidance

$666

$432

$143

~$1,660

2026 Guidance

~$840

$3,591

$2,606

$2,074

$1,540

$227

$(54)

$481

$1,054

Note: Adjusted net revenue, adjusted EBITDA, and adjusted net income are non-GAAP financial measures. See "Footnotes" and "Financial Supplement" sections for detailed definitions and reconciliations to the nearest GAAP metric.

* Excludes non-recurring benefits related to restructuring charges and transaction-related expenses in 2Q26 and 3Q26, deferred taxes in 2024, and goodwill impairment in 2023. There were no adjustments to adjusted net income in 2022 and 2025.

102%

105%

101%

90%

72%

62%

$3,753

Q3

Ann ized

ual

~$5.5 billion

$2,657

$1,857

$996

$1,110

Cash Revenue ($ in millions) (9)

• Cash revenue exceeded Adjusted Net Revenue for 2024, 2025, and the first 9 months of 2026

• Q3 2026 cash revenue included:

  • $927 million in cash revenue from net interest income

  • $460 million in cash revenue from technology and loan platform fees, loan origination fees, interchange fees, and brokerage fees

    	$623										$1,386
    	2021		2022		2023		2024		2025		3Q26
    	YoY growth		78%		67%		43%		41%		39%

    Percent of Total Adjusted Net Revenue

    Q3 cash revenue

    Q3'25 to Q3'26

    Note: Cash Revenue is a non-GAAP financial measure. See "Footnotes" and "Financial Supplement" sections for a detailed definition and reconciliations to the nearest GAAP metric.

    Diversified Revenue Returns continue to strengthen as the business scales; 12 consecutive profitable quarters

    Adjusted Net Revenue ($ in millions) (2) Fee-Based Revenue ($ in millions) Fee-Based Revenue Mix

    Tech Platform and Financial Services

    $1,992

    $1,217

    Q3

    Annualized

    ~$2.4 billion

    $789

    $483

    $612

    $1,545

    Q3

    Annualized

    ~$2.3 billion

    $970

    $556

    $385

    $571

    27%

    25%

    37%

42%

43%

2022 2023 2024 2025 3Q26

2022 2023 2024 2025 3Q26

2022 2023 2024 2025 3Q26

Fee-Based Revenue

All Other Adjusted Net Revenue

Note: Adjusted net revenue is a non-GAAP financial measure. See "Footnotes" and "Financial Supplement" sections for detailed definitions and reconciliations to the nearest GAAP metric. Fee-based revenue is comprised of loan origination fees, loan platform fees, referral fees, certain technology platform fees, interchange and brokerage fees.

Adjusted EBITDA Margin (7)

29%

26%

21%

9%

34%

• Executing a deliberate strategy to balance near-term profitability with aggressive reinvestment, leveraging market dynamics to capture long-term share

• Demonstrating a proven ability to allocate capital and resources toward our most attractive growth opportunities

• Deploying targeted investments across three key areas: member-facing experiences, strategic business diversification, and core technology, data, and operations

2022 2023 2024 2025 3Q26

Adjusted EBITDA margin

Note: Adjusted EBITDA Margin is a non-GAAP financial measure. See "Footnotes" section for detailed explanations and definitions. The sum of individual metrics may not always equal total amounts indicated due to rounding.

Adjusted Earnings Per Share (3)* Tangible Book Value ($ in millions) (10) ROTCE (11)

2026 Guidance

~$0.61

2022 2023 2024 2025 3Q26

Increase $0.30 $0.25 $0.24 $0.07

2022 2023 2024 2025 3Q26

Increase $276 $1,373 $4,014 $2,518

3Q26 Adjusted EPS 2Q26 Adjusted EPS 1Q26 Adjusted EPS

Q3'25 to Q3'26 Q3'25 to Q3'26

Increase 824bps 673bps 405bps 148bps

Q3'25 to Q3'26

Note: Adjusted earnings per share, tangible book value, and ROTCE are non-GAAP financial measures. See "Footnotes" and "Financial Supplement" sections for detailed definitions and reconciliations to the nearest GAAP metric.

* Excludes non-recurring benefits related to restructuring charges and transaction-related expenses in 2Q26 and 3Q26, deferred taxes in 2024, and goodwill impairment in 2023 and includes adjustment to diluted common stock outstanding for the benefits of the capped call transactions beginning in 4Q24. There were no adjustments to adjusted earnings per share in 2022.