Incremental EBITDA margins are targeted at 30%, with the company expecting to reinvest 70% of incremental profit while dropping the remaining 30% to the bottom line. "We do believe we can achieve the mix of business and capital efficiency to have a 20% to 30% ROE and that has not changed," Noto said. SoFi's focus on cross-product adoption remains critical, with flagship offerings like SoFi Money and SoFi Relay serving as entry points to the broader financial ecosystem. New features, such as AI-driven tools like "Cash Coach" and "ExpenseR," are designed to give personalized spending and saving recommendations, serving both member engagement and product expansion. On the lending side, Noto highlighted a significant opportunity in the company's loan platform business, which captures demand beyond SoFi's internal credit box. The platform now facilitates loan matching with external capital providers, offering a fee-based model that diversifies revenue.