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SoFi Technologies (SOFI) CFO details RSU settlement and tax-share withholding

Filing Impact
(Very High)
Filing Sentiment
(Negative)
Form Type
4

Rhea-AI Filing Summary

SoFi Technologies, Inc. reported an insider equity transaction by its Chief Financial Officer and Principal Accounting Officer. On 12/15/2025, previously granted restricted stock units (RSUs) settled into 135,248 shares of common stock and an additional 6,098 shares, each RSU converting into one share for no cash consideration. To satisfy tax withholding tied to these stock-settled RSUs, 74,823 shares were withheld and not issued to the executive at a value of $27.28 per share. Following these transactions, the officer directly owned 1,703,552 shares of common stock and continued to hold RSU awards covering 542,941 and 347,597 underlying shares.

Positive

  • None.

Negative

  • None.
Insider Lapointe Christopher
Role CFO and PAO
Type Security Shares Price Value
Exercise Restricted Stock Unit 135,248 $0.00 --
Exercise Restricted Stock Unit 6,098 $0.00 --
Exercise Common Stock 135,248 $0.00 --
Exercise Common Stock 6,098 $0.00 --
Tax Withholding Common Stock 74,823 $27.28 $2.04M
Holdings After Transaction: Restricted Stock Unit — 542,941 shares (Direct); Common Stock — 1,772,277 shares (Direct)
Footnotes (1)
  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. Shares withheld to satisfy tax withholding obligation applicable to the vesting of stock-settled RSUs. These shares were not issued to the Reporting Person. 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 25, 2022, March 22, 2023, and March 13, 2024. 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.
Form 4 Insider Transactions: What Each Field Means →
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
Estimated average burden
hours per response: 0.5
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*
Lapointe Christopher
(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)
CFO and PAO
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 135,248 A (1) 1,772,277 D
Common Stock 12/15/2025 M 6,098 A (1) 1,778,375 D
Common Stock 12/15/2025 F 74,823 D $27.28(2) 1,703,552 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 135,248 (3) (3) Common Stock 135,248 $0 542,941 D
Restricted Stock Unit (1) 12/15/2025 M 6,098 (4) (4) Common Stock 6,098 $0 347,597 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 withheld 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 25, 2022, March 22, 2023, and March 13, 2024.
4. 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.

Source: View Original Filing on SEC EDGAR

FAQ

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

The filing reports that SoFi Technologies' Chief Financial Officer and Principal Accounting Officer had restricted stock units (RSUs) settle into shares of common stock on 12/15/2025, with some shares withheld to cover taxes.

How many SoFi Technologies (SOFI) shares did the CFO acquire through RSU settlement?

The CFO received common stock upon settlement of RSUs covering 135,248 shares and an additional 6,098 shares, with each RSU converting into one share for no cash consideration.

Why were some SoFi Technologies (SOFI) shares shown as disposed of in the Form 4?

The filing states that 74,823 shares were withheld to satisfy tax withholding obligations related to the vesting of stock-settled RSUs at a value of $27.28 per share, and these shares were not issued to the reporting person.

How many SoFi Technologies (SOFI) shares does the CFO own after this transaction?

After the reported transactions, the CFO directly owned 1,703,552 shares of SoFi Technologies common stock.

What are restricted stock units (RSUs) in this SoFi Technologies (SOFI) filing?

The filing explains that each restricted stock unit (RSU) represents a contingent right to receive one share of SoFi Technologies common stock upon settlement for no consideration.

How many unvested RSUs linked to SoFi Technologies (SOFI) stock remain for the CFO?

Following the settlements reported, the CFO continued to hold RSU awards covering 542,941 and 347,597 underlying shares of SoFi Technologies common stock.