SoFi Technologies, Inc. (SOFI) insider reports RSU vesting and tax sale

Rhea-AI Filing Summary

SoFi Technologies, Inc. reported insider equity activity by an executive. On 12/15/2025, the EVP, GBUL, SIPS settled three restricted stock unit (RSU) grants into 82,643, 26,476 and 13,067 shares of common stock at no cost, bringing the directly owned position to 387,220 shares. On 12/16/2025, 64,804 shares were disposed of at $26.258 per share to satisfy tax withholding obligations related to the vesting of stock-settled RSUs, reducing direct holdings to 322,416 shares. Each RSU represents a contingent right to receive one share of SoFi common stock upon settlement for no consideration, and the transactions relate to previously disclosed RSU awards.

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

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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^*

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)
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		82,643	A	(1)	347,677	D
Common Stock	12/15/2025		M		26,476	A	(1)	374,153	D
Common Stock	12/15/2025		M		13,067	A	(1)	387,220	D
Common Stock	12/16/2025		F		64,804	D	$26.258(2)	322,416	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			82,643	(3)	(3)	Common Stock	82,643	$0	413,215	D
Restricted Stock Unit	(1)	12/15/2025		M			26,476	(3)	(3)	Common Stock	26,476	$0	238,291	D
Restricted Stock Unit	(1)	12/15/2025		M			13,067	(4)	(4)	Common Stock	13,067	$0	169,880	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	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).
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FAQ

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

The filing reports that the EVP, GBUL, SIPS of SoFi Technologies, Inc. settled multiple restricted stock unit (RSU) awards into common stock on 12/15/2025 and then disposed of shares on 12/16/2025 to cover tax withholding related to those vestings.

How many SoFi Technologies shares did the executive acquire through RSU settlements?

On 12/15/2025, the executive settled RSUs into 82,643, 26,476 and 13,067 shares of SoFi Technologies, Inc. common stock at no cost, as shown in Table I and Table II.

How many SoFi Technologies shares were sold for tax withholding and at what price?

On 12/16/2025, 64,804 shares of SoFi Technologies, Inc. common stock were disposed of at $26.258 per share under transaction code F to satisfy tax withholding obligations related to the vesting of stock-settled RSUs.

How many SoFi Technologies shares does the executive own after these transactions?

Following the reported transactions, the executive directly holds 322,416 shares of SoFi Technologies, Inc. common stock, as disclosed in Table I under beneficial ownership after the transaction.

What does each RSU represent in this SoFi Technologies insider filing?

Each restricted stock unit (RSU) represents a contingent right to receive one share of SoFi Technologies, Inc. common stock upon settlement for no consideration, as explained in the notes.

Were the SoFi Technologies shares sold in this Form 4 issued to the reporting person?

The filing states that the shares disposed of in the F transaction were sold to satisfy tax withholding obligations related to vesting RSUs and that these shares were not issued to the Reporting Person.