SOFI Insider Activity: 83,320 RSUs Settled; 36,190 Shares Sold at $26.99

Rhea-AI Filing Summary

Derek J. White, listed as CEO - Galileo of SoFi Technologies, Inc. (SOFI), reported stock-settled restricted stock unit activity in a Form 4. On 09/15/2025 he had 78,964 RSUs and 4,356 RSUs report as acquired/settled, increasing reported underlying common stock holdings. On 09/16/2025 he disposed of 36,190 shares at $26.989 per share; the filing states those shares were sold to satisfy tax withholding related to RSU vesting. Following the transactions, the filing reports 1,096,513 shares beneficially owned. The RSU settlements reference prior grants disclosed on Forms 4 filed March 22, 2023, March 13, 2024, and March 12, 2025.

Positive

• Settlement of RSUs increases alignment of executive compensation with shareholder interests by converting grants into issued shares (83,320 RSUs settled).
• Transparent disclosure referencing prior Form 4 filings and explaining that the sale was to satisfy tax withholding.

Negative

• Sale of 36,190 shares at $26.989 reduced the reporting person's direct holdings to 1,096,513 shares.
• No new purchases reported, so the insider did not add to economic exposure beyond vested awards.

Insights

Financial Analyst

TL;DR Insider settled RSUs and sold shares for tax withholding; net beneficial ownership remains large and transactions appear routine.

The Form 4 shows settlement of previously granted restricted stock units totaling 83,320 RSUs on 09/15/2025 and a subsequent sale of 36,190 shares on 09/16/2025 at $26.989 per share to cover tax obligations. These actions increased the number of issued shares to the reporting person before the sale and then reduced the on‑hand common stock to 1,096,513 shares. From a financial perspective this is a non-cash settlement event paired with a routine sell-to-cover; there is no indication of additional purchases or material change to control.

Corporate Governance Expert

TL;DR Transactions are consistent with standard executive compensation settlements and tax-withholding procedures.

The filing identifies the reporting person as an officer and documents settlement of RSUs granted in prior years and a contemporaneous sale to satisfy tax withholding. The disclosures reference specific prior Form 4 filings for the original grants and include an attorney-in-fact signature dated 09/17/2025. There are no disclosures of related-party transfers, pledges, or changes in indirect ownership that would raise governance concerns.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

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X

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

White Derek J

(Last) (First) (Middle)

C/O SOFI TECHNOLOGIES, INC.

234 1ST STREET

(Street)

SAN FRANCISCO CA 94105

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
SoFi Technologies, Inc. [ SOFI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	CEO - Galileo

3. Date of Earliest Transaction (Month/Day/Year)
09/15/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/15/2025		M		78,964	A	(1)	1,128,347	D
Common Stock	09/15/2025		M		4,356	A	(1)	1,132,703	D
Common Stock	09/16/2025		F		36,190	D	$26.989(2)	1,096,513	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Unit	(2)	09/15/2025		M			78,964	(3)	(3)	Common Stock	78,964	$0	430,263	D
Restricted Stock Unit	(1)	09/15/2025		M			4,356	(4)	(4)	Common Stock	4,356	$0	252,641	D

Explanation of Responses:

1. Each restricted stock unit ("RSU") represents a contingent right to receive one share of the Issuer's common stock upon settlement for no consideration.

2. Shares sold to satisfy tax withholding obligation applicable to the vesting of stock-settled RSUs. These shares were not issued to the Reporting Person.

3. Represents the settlement of a portion of the RSUs granted to the Reporting Person as disclosed on the Reporting Person's Forms 4 filed on March 22, 2023 and March 13, 2024.

4. Represents the settlement of a portion of RSUs granted to the Reporting Person as disclosed on the Reporting Person's Form 4 filed on March 12, 2025.

Remarks:

	/s/ Deanna M. Smith, Attorney-in-Fact	09/17/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

When did Derek J. White report transactions in SOFI stock?

The Form 4 reports RSU settlements on 09/15/2025 and a sale on 09/16/2025, with the form signed on 09/17/2025.

How many RSUs were settled and how many shares were sold?

The filing shows settlement of 78,964 RSUs and 4,356 RSUs (total 83,320) and a sale of 36,190 shares.

At what price were the shares sold?

The sale on 09/16/2025 was reported at $26.989 per share; the filing states the sale was to satisfy tax withholding.

What is Derek J. White's beneficial ownership after these transactions?

Following the reported transactions, beneficial ownership is reported as 1,096,513 shares.

Do the RSU settlements relate to earlier grants?

Yes. The filing states the RSU settlements represent portions of grants disclosed on Forms 4 filed March 22, 2023, March 13, 2024, and March 12, 2025.