SoFi Technologies (SOFI) releases Q4 and full-year 2025 results in 8-K filing

Rhea-AI Filing Summary

SoFi Technologies, Inc. filed a current report to notify the market that it released its financial results for the three months and year ended December 31, 2025. The company issued a press release on January 30, 2026, and attached it as Exhibit 99.1 to this filing.

The report explains that these results are being furnished, not filed, which limits how they are treated under federal securities laws. The filing is signed on behalf of SoFi by its Chief Financial Officer, Christopher Lapointe.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

__________________________________

FORM 8-K

__________________________________

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): January 30, 2026

SoFi Technologies, Inc.

(Exact name of registrant as specified in its charter)

Delaware (State or other jurisdiction of incorporation)			001-39606 (Commission File Number)			98-1547291 (I.R.S. Employer Identification No.)
234 1st Street San Francisco, California						94105
(Address of principal executive offices)						(Zip Code)

(855) 456-7634

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, $0.0001 par value per share

SOFI

The Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02    Results of Operations and Financial Condition.

On January 30, 2026, SoFi Technologies, Inc. issued a press release reporting its financial results for the three months and year ended December 31, 2025. A copy of the press release is attached as Exhibit 99.1 and is incorporated herein by reference.

The information in this Item 2.02 is furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to liabilities under that section, and shall not be deemed to be incorporated by reference into the filings of the Company under the Securities Act of 1933, as amended, or the Exchange Act, regardless of any general incorporation language in such filings.

Item 9.01    Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.						Description
99.1						Press release, dated January 30, 2026
104						Cover Page Interactive Data File (embedded within the inline XBRL document)

1

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			SoFi Technologies, Inc.
Date: January 30, 2026			By:			/s/ Christopher Lapointe
			Name:			Christopher Lapointe
			Title:			Chief Financial Officer

FAQ

What did SoFi Technologies (SOFI) disclose in this 8-K filing?

SoFi Technologies disclosed that it issued a press release with financial results for the three months and year ended December 31, 2025. The press release, dated January 30, 2026, is attached as Exhibit 99.1 and incorporated by reference into the report.

Which period’s results does SoFi Technologies (SOFI) cover in this update?

The update covers SoFi Technologies’ financial results for the three-month period and full year ended December 31, 2025. These results are contained in a separate press release dated January 30, 2026, which is attached to the filing as Exhibit 99.1.

How are SoFi Technologies’ results treated under securities laws in this 8-K?

The results are described as “furnished” rather than “filed” under Section 18 of the Exchange Act. This treatment limits certain potential liabilities and means the information is not automatically incorporated into other Securities Act or Exchange Act filings.

Who signed SoFi Technologies’ January 30, 2026 8-K report?

The 8-K report was signed on behalf of SoFi Technologies by Christopher Lapointe, the company’s Chief Financial Officer. His signature confirms the company authorized the submission of this current report describing the release of its 2025 quarterly and annual financial results.

What exhibits are included with SoFi Technologies’ 8-K about 2025 results?

The filing includes Exhibit 99.1, which is the press release dated January 30, 2026 detailing the financial results. It also lists Exhibit 104, the cover page interactive data file embedded within the inline XBRL document used for electronic reporting.