Investor Presentation Q4 2025 January 2026 Disclaimer Use of Non-GAAP Financial Measures This presentation includes certain non-GAAP financial measures (including on a forward-looking basis) such as Adjusted Net Revenue, Adjusted EBITDA, Adjusted EBITDA Margin, Adjusted EPS, ROTCE, Adjusted Net Income, Adjusted Net Income Margin, Adjusted Noninterest Income, and Tangible Book Value. These non-GAAP measures are in addition to, and not a substitute for or superior to, measures of financial performance prepare ...

4% from the current share price.| Year | Est. Revenue ($B) | Est. Net Income ($B) | Est. EPS Normalized | Price to Sales Multiple | Est. Market Cap ($B) || --- | --- | --- | --- | --- | --- || 2025 | $2.84 | $0.32 | $0.21 | 9.3 | $9.94 || 2026 | $3.45 | $0.584 | $0.43 | 9.3 | $12.08 || 2027 | $3.79 | $0.707 | $0.62 | 9.3 | $13.27 || 2028 | $4.33 | $0.902 | $0.83 | 9.3 | $15.16 || 2029 | $4.84 | $1.096 | $1.02 | 9.3 | $16.94 || 2030 | $5.34 | $1.279 | $1.10 | 9.3 | $18.69 |SoFi's current price-to-sales valua ...

SoFi Technologies reported a rise in fourth-quarter profit on Friday, lifted by strong loan demand and rapid growth in its feebased businesses. ...

SoFi's home-loan originations nearly doubled in the latest quarter. ...

SoFi Reports Fourth Quarter 2025 with Record Net Revenue of $1.0 Billion, Record Member and Product Growth, Net Income of $174 Million Adjusted Net Revenue up 37% to a record $1.0 billion Adjusted EBITDA up 60% to a record $318 million Fee-based Revenue up 53% to a record $443 million Member growth up 35% to a record 13.7 million members Product growth up 37% to a record 20.2 million products Management announces 2026 guidance and medium term outlook SAN FRANCISCO, Calif. – (BUSINESS WIRE) – January 30, 202 ...

SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), a member-centric, one- stop shop for digital financial services that helps members borrow, save, spend, invest and protect their money, reported financial results today for its fourth quarter and fiscal year ended December 31, 2025. "2025 was a tremendous year and the fourth quarter was nothing short of exceptional, delivering more than $1 billion in quarterly revenue for the first time in our history,†said Anthony Noto, CE. ...

SoFi has steadily expanded its offerings in crypto and self-directed investing in its bid to become a 'one-stop shop' for customers. ...

Ahead of SoFi Technologies Inc.’s (NASDAQ:SOFI) fourth-quarter results, analyst Parkev Tatevosian, CFA, is urging caution regarding the stock, especially at its current levels.SoFi Is ‘Slightly Overvalued’Tatevosian, who said he had been “bullish on SoFi stock for a long time,” now views the company as “slightly overvalued” and not an attractive buy ahead of earnings, citing elevated volatility and limited upside relative to risk.According to his proprietary models, “SoFi stock is worth about $20 a share, $ ...

Group 1: Robinhood Markets - Robinhood Markets experienced significant growth in 2025, ending the year up more than 200% and achieving a three-year gain of 1,000% [1] - Despite its past performance, Robinhood's stock has declined by 23% over the past three months after reaching a high in October [1] - Investor concerns include the company's reliance on cryptocurrency and its high valuation, suggesting that it may not be the right time to invest in Robinhood shares [1] Group 2: SoFi Technologies - SoFi Technologies is highlighted as a strong financial stock to consider for 2026 due to its robust growth and increasing profitability [2] - In 2025, SoFi reported record customer growth, adding over 900,000 new accounts in the third quarter alone [3] - The majority of SoFi Money deposits (90%) are direct deposits, indicating a stable customer base that is likely to grow as these customers advance in their careers [4] - SoFi's asset growth over the past five years is compared favorably against the five largest U.S. banks, indicating significant growth potential [5][6] - The company's management is focused on maintaining momentum through a diverse growth strategy, including the introduction of new products and services [7] - SoFi's stock gained 70% in 2025, which is considered a safer investment compared to Robinhood due to its lower susceptibility to market volatility and reduced exposure to cryptocurrency [8] - The growth of SoFi is attributed to more reliable revenue streams and its appeal to a broader audience seeking digital financial services [9]

Core Viewpoint - The individual investor adopts a contrarian investment style, focusing on deep value opportunities, particularly in stocks that have recently experienced sell-offs due to non-recurrent events, while also considering insider buying as a positive signal [1] Investment Strategy - The investment portfolio is split approximately 50%-50% between shares and call options, indicating a balanced approach to risk and potential returns [1] - The investor's timeframe for holding positions typically ranges from 3 to 24 months, suggesting a medium-term investment horizon [1] - Fundamental analysis is employed to assess the health of companies, including their leverage and financial ratios compared to sector and industry averages [1] Stock Selection Criteria - The investor screens thousands of stocks, primarily in the US, looking for those that have undergone recent sell-offs, particularly when insiders are buying shares at lower prices [1] - Professional background checks are conducted on insiders who purchase shares post-sell-off, adding a layer of due diligence to the investment process [1] Technical Analysis - Technical analysis is utilized to optimize entry and exit points, with a focus on support and resistance levels on weekly charts, employing multicolor lines for clarity [1] - Trend lines are drawn in multicolor patterns, indicating a systematic approach to analyzing price movements [1]