SoFi Technologies (SOFI) officer details RSU vesting and tax share sale

Rhea-AI Filing Summary

SoFi Technologies' Chief Risk Officer reported routine stock activity involving restricted stock units (RSUs). On 12/15/2025, 11,434 RSUs vested and converted into the same number of SoFi common shares at no cash cost. On 12/16/2025, 6,569 shares were sold at $26.258 per share to cover tax withholding obligations related to this vesting, and these shares were not retained.

After these transactions, the officer beneficially owned 143,261 shares of SoFi common stock directly, along with 148,644 RSUs, each representing a contingent right to receive one share of common stock upon settlement for no consideration.

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

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Pinto Arun

(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)
	Chief Risk Officer

3. Date of Earliest Transaction (Month/Day/Year)
12/15/2025

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	12/15/2025		M		11,434	A	(1)	149,830	D
Common Stock	12/16/2025		F		6,569	D	$26.258(2)	143,261	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	(1)	12/15/2025		M			11,434	(3)	(3)	Common Stock	11,434	$0	148,644	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 Form 4 filed on March 12, 2025.

Remarks:

	/s/ Deanna M. Smith, Attorney-in-Fact	12/17/2025
	** 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

What insider transaction did SoFi Technologies (SOFI) disclose in this Form 4?

The filing shows SoFi Technologies' Chief Risk Officer had 11,434 restricted stock units (RSUs) vest into common shares on 12/15/2025 and then sold 6,569 shares on 12/16/2025 to satisfy tax withholding obligations tied to that vesting.

How many SoFi (SOFI) shares did the officer sell and at what price?

The officer disposed of 6,569 shares of SoFi common stock in a transaction coded "F" at a price of $26.258 per share, with the sale specifically described as covering tax withholding for stock-settled RSUs.

How many SoFi (SOFI) shares and RSUs does the insider own after these transactions?

Following the reported transactions, the officer directly beneficially owned 143,261 shares of SoFi common stock and 148,644 restricted stock units, each RSU representing a contingent right to receive one share of common stock upon settlement for no consideration.

What do the restricted stock units (RSUs) represent for SoFi (SOFI) insiders?

Each restricted stock unit represents a contingent right to receive one share of SoFi Technologies' common stock upon settlement for no consideration, meaning the insider does not pay cash to receive the shares when the RSUs vest and settle.

Why were some SoFi (SOFI) shares not issued to the reporting person in this Form 4?

The explanation notes that certain shares were sold to satisfy the tax withholding obligation applicable to the vesting of stock-settled RSUs, and these shares were not issued to the reporting person as personal holdings.

What roles and relationships does the reporting person have at SoFi Technologies (SOFI)?

The reporting person is identified as an officer of SoFi Technologies, Inc., serving as Chief Risk Officer, and the Form 4 is filed as a single-reporting-person filing.