[Form 4] SoFi Technologies, Inc. Insider Trading Activity

Rhea-AI Filing Summary

SoFi Technologies insider Kelli Keough reported settlement of previously granted restricted stock units (RSUs) and a subsequent share sale to cover tax withholding. On 09/15/2025 the reporting person had RSUs settled in three tranches totaling 122,188 RSUs, which represent the contingent right to one share each upon settlement. These settlements increased the reported beneficial position in stages, with intermediate balances of 317,265, 343,742 and 356,810 shares.

On 09/16/2025 the filing shows a sale of 61,364 shares at $26.989 to satisfy tax withholding, leaving the reporting person with 295,446 shares beneficially owned after the transactions. The filing is a routine disclosure of equity compensation settlement and associated tax withholding.

Positive

• Settlement of 122,188 RSUs increased reported ownership through issuance of shares tied to prior compensation grants
• Transparent disclosure of vesting and tax-withholding sale consistent with Section 16 reporting requirements

Negative

• Sale of 61,364 shares at $26.989 to satisfy tax withholding reduced the reporting person’s net shares to 295,446

Insights

Corporate Governance Expert

TL;DR: Routine equity compensation settlement and tax-withholding sale; administrative rather than strategic.

The filing documents settlement of 122,188 RSUs across three tranches and a subsequent share sale of 61,364 shares at $26.989 to satisfy withholding taxes, resulting in 295,446 shares beneficially owned. This pattern is consistent with standard executive compensation mechanics and tax obligations. No new grants, option exercises, nor unusual timing relative to material corporate events are disclosed, so the governance implication is limited to routine disclosure compliance.

Securities Analyst

TL;DR: Insider ownership increased via RSU settlement but net shares declined after tax-sale; impact on float is negligible.

The reporting person received 122,188 shares through RSU settlements and then sold 61,364 shares to cover withholding, leaving 295,446 shares beneficially owned. The reported sale was for tax withholding, not a market-disposal intent disclosed here. Given the sizes relative to SoFi's public float, these transactions appear immaterial to market supply and do not indicate a change in insider sentiment beyond compensation settlement.

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).

1. Name and Address of Reporting Person^*

Keough Kelli

(Last) (First) (Middle)

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)
	EVP, GBUL, SIPS

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		82,643	A	(1)	317,265	D
Common Stock	09/15/2025		M		26,477	A	(1)	343,742	D
Common Stock	09/15/2025		M		13,068	A	(1)	356,810	D
Common Stock	09/16/2025		F		61,364	D	$26.989(2)	295,446	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			82,643	(3)	(3)	Common Stock	82,643	$0	495,858	D
Restricted Stock Unit	(1)	09/15/2025		M			26,477	(3)	(3)	Common Stock	26,477	$0	264,767	D
Restricted Stock Unit	(1)	09/15/2025		M			13,068	(4)	(4)	Common Stock	13,068	$0	182,947	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 3 filed on August 2, 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	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

What transactions did SOFI insider Kelli Keough report on the Form 4?

Settlement of 122,188 RSUs on 09/15/2025 and a sale of 61,364 shares on 09/16/2025 to satisfy tax withholding.

How many shares does the reporting person beneficially own after these transactions?

295,446 shares beneficially owned following the RSU settlements and tax-withholding sale.

What was the sale price for the shares sold to cover taxes?

The filing reports the tax-withholding sale at a price of $26.989 per share.

Do the RSUs represent issued shares or contingent rights?

Each RSU represents a contingent right to receive one share upon settlement for no consideration, per the filing.

Were these RSUs newly granted in this filing?

No; the filing states the RSUs settled were granted previously (referencing Form 3 filed 08/02/2024 and Form 4 filed 03/12/2025).