Arun Pinto (SOFI) Settles 11,434 RSUs; 5,743 Shares Sold for Taxes at $26.99

Rhea-AI Filing Summary

SoFi Technologies insider Arun Pinto experienced scheduled vesting and partial tax-sale of RSUs. On 09/15/2025, 11,434 restricted stock units (RSUs) vested, representing rights to receive one share per RSU. Those vested RSUs increased the Reporting Person's beneficial ownership to 170,691 shares. On 09/16/2025, 5,743 shares were disposed of to satisfy tax-withholding obligations at an average price of $26.989 per share; those shares were not newly issued to the reporting person. After the withholding sale, beneficial ownership was 164,948 shares. The transactions reflect routine settlement and tax-related dispositions of previously granted RSUs.

Positive

• Net ownership increased after RSU settlement, leaving the reporting person with 164,948 shares.
• Transactions were routine and clearly disclosed, including explanation that shares sold were for tax withholding and not newly issued to the reporting person.

Negative

• Partial disposition of vested shares occurred (5,743) which reduced the immediate increase in beneficial ownership.
• Sale price disclosed ($26.989) may reflect tax-driven timing rather than strategic retention at a higher market price.

Insights

Securities Analyst

TL;DR: Insider received RSU settlement and sold part of the resulting shares solely to cover taxes, modest net increase in holdings.

The Form 4 shows a standard equity compensation settlement followed by a withholding sale to satisfy tax obligations. The vested amount was 11,434 RSUs converting to the same number of shares, and 5,743 shares were sold for withholding at $26.989 each. Net beneficial ownership rose from the pre-transaction level to 164,948 shares after the sale. There is no indication of open-market opportunistic trading or additional cash-sale proceeds to the reporting person; the sale was for tax compliance related to the grant. For investors, this is routine insider activity tied to compensation.

Corporate Governance Expert

TL;DR: Transaction is a routine RSU settlement plus tax-related disposition, consistent with standard executive compensation practices.

The filing indicates settlement of RSUs originally disclosed on a prior Form 4 (March 12, 2025). The reporting person retains direct ownership of 160,078 shares attributable to RSU settlements plus other shares for a total of 164,948 after withholding. The signature by an attorney-in-fact is present and procedural disclosures are complete. There are no governance red flags such as unexplained transfers, pledges, or related-party transactions in this filing.

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

OMB Number:			3235-0287
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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).

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)
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		11,434	A	(1)	170,691	D
Common Stock	09/16/2025		F		5,743	D	$26.989(2)	164,948	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)	09/15/2025		M			11,434	(3)	(3)	Common Stock	11,434	$0	160,078	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	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.
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FAQ

What insider activity did SOFI insider Arun Pinto report on Form 4?

Arun Pinto reported RSU settlement of 11,434 units on 09/15/2025 and a tax-withholding sale of 5,743 shares on 09/16/2025.

How many SoFi (SOFI) shares does the reporting person beneficially own after these transactions?

After the transactions, the reporting person beneficially owned 164,948 shares.

Why were shares sold following the RSU settlement?

The filing states shares were sold solely to satisfy tax withholding obligations related to the vesting of stock-settled RSUs.

What price was used for the withholding sale of SOFI shares?

The withholding sale on 09/16/2025 reported a price of $26.989 per share.

Were the vested RSUs newly issued shares or existing shares used for withholding?

The RSUs represent contingent rights to receive shares upon settlement; the filing explains the taxed shares sold were not issued to the reporting person.