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 ...

Financial Performance Highlights - SoFi achieved a record adjusted net revenue of $771 million, representing a 33% year-over-year increase, marking the fastest growth in five quarters[8] - The company reported a record adjusted EBITDA of $210 million, resulting in a 27% adjusted EBITDA margin[8] - SoFi attained GAAP net income of $71 million, yielding a 9% GAAP net income margin[8] - Adjusted EPS reached a record of $0.06, marking the sixth consecutive quarter of profitability[8] Revenue Diversification - Fee-based revenue totaled $315 million, a 67% year-over-year increase, accounting for 41% of adjusted net revenue[8] - Financial Services and Tech Platform revenue contributed $407 million to adjusted net revenue, a 66% year-over-year increase[8] Balance Sheet Strength - Tangible book value grew by $946 million year-over-year, reaching $5.1 billion[8] - Member deposits increased by $2.2 billion during the quarter, bringing total deposits to over $27 billion[8] Lending Performance - Personal loan 90-day delinquencies decreased sequentially by 9 basis points to 46 bps, and net charge-offs declined by 6 bps to 3.31%[8] - SoFi originated a record $7.2 billion in loans this quarter[8] Member and Product Growth - The company added a record 800,000 new members and 1.2 million new products[8] 2025 Financial Guidance - SoFi projects adjusted net revenue between $3.235 billion and $3.31 billion for full year 2025[31]