SoFi (NASDAQ: SOFI) Chief Risk Officer logs RSU vesting and tax-withholding share disposition

Rhea-AI Filing Summary

SoFi Technologies Chief Risk Officer Arun Pinto reported routine equity compensation activity. He acquired 45,388 shares of common stock on settlement of restricted stock units, each RSU converting into one share of common stock for no cash consideration.

To cover related tax obligations, 24,805 shares of common stock valued at $15.493 per share were withheld and not issued to him. After these transactions, Pinto directly holds 188,872 shares of SoFi common stock, and the filing shows no remaining derivative equity awards tied to this RSU grant.

Insights

Equity compensation analyst

Routine RSU vesting with tax withholding, no open‑market trading.

The disclosure shows Arun Pinto receiving 45,388 common shares through RSU settlement at no exercise price. This is standard stock-based compensation, reflecting previously granted awards moving from derivative form into common stock.

To satisfy tax obligations on the RSU vesting, 24,805 shares were withheld at a reference price of $15.493 per share and never issued, which is not an open‑market sale. Following these entries, Pinto holds 188,872 common shares directly, and the excerpt indicates no remaining derivatives from this specific RSU grant.

Insider Trade Summary

45,388 shares exercised/converted

Mixed 3 txns

Insider Pinto Arun

Role Chief Risk Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	24,805	$15.493	$384K
Exercise	Restricted Stock Unit	45,388	$0.00	--
Exercise	Common Stock	45,388	$0.00	--

Holdings After Transaction: Common Stock — 188,872 shares (Direct, null); Restricted Stock Unit — 317,721 shares (Direct, null)

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 sold 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 Form 4 filed on March 13, 2024.

Key Figures

RSU shares settled: 45,388 shares Tax-withholding shares: 24,805 shares Tax-withholding reference price: $15.493 per share +2 more

5 metrics

RSU shares settled 45,388 shares Common stock received from RSU settlement on 2026-05-14

Tax-withholding shares 24,805 shares Common stock withheld for RSU tax obligation on 2026-05-15

Tax-withholding reference price $15.493 per share Value used for 24,805 withheld shares

Shares held after transactions 188,872 shares Direct SoFi common stock ownership after reported entries

RSU conversion ratio 1 RSU : 1 share Each RSU converts into one share of common stock at settlement

Key Terms

Restricted Stock Unit, RSU, tax withholding obligation, derivative security

4 terms

Restricted Stock Unit financial

"security_title": "Restricted Stock Unit""

A restricted stock unit is a promise from a company to give an employee shares of stock after certain conditions are met, like staying with the company for a set amount of time. It’s like earning a bonus that turns into company stock once you’ve proven your commitment, making it a way to motivate and reward employees.

RSU financial

"Each restricted stock unit ("RSU") represents a contingent right to receive one share"

Restricted stock units (RSUs) are a form of company shares given to employees as part of their compensation, usually with certain restrictions or conditions, such as remaining with the company for a set period. When these restrictions lift, employees receive actual shares that they can sell or hold. For investors, RSUs can impact a company's stock supply and reflect the company's commitment to attracting and retaining talent.

tax withholding obligation financial

"Shares sold to satisfy tax withholding obligation applicable to the vesting of stock-settled RSUs."

derivative security financial

"transaction_code_description": "Exercise or conversion of derivative security""

A derivative security is a financial contract whose value comes from the price or performance of something else, such as a stock, bond, commodity, or market index. For investors it acts like an insurance policy or a wager: it can be used to protect against losses, lock in prices, or amplify gains and losses, so it can change a portfolio’s risk and potential return without owning the underlying asset directly.

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^*

Pinto Arun

(Last) (First) (Middle)

C/O SOFI TECHNOLOGIES, INC.

234 1ST STREET

(Street)

SAN FRANCISCO CALIFORNIA 94105

(City) (State) (Zip)

UNITED STATES

(Country)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/14/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	05/14/2026		M		45,388	A	(1)	213,677	D
Common Stock	05/15/2026		F		24,805	D	$15.493(2)	188,872	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)	05/14/2026		M			45,388	(3)	(3)	Common Stock	45,388	$0	317,721	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 13, 2024.

Remarks:

	/s/ Sara C. Thompson, Attorney-in-Fact	05/18/2026
	** 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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transactions did SoFi (SOFI) Chief Risk Officer Arun Pinto report?

Arun Pinto reported RSU-related activity, acquiring 45,388 SoFi common shares through restricted stock unit settlement and having 24,805 shares withheld to cover taxes. These are compensation and tax events, not open‑market purchases or sales, and are typical for executive equity awards.

Did Arun Pinto buy or sell SoFi (SOFI) stock on the open market?

The filing shows no open‑market buying or selling by Arun Pinto. He acquired 45,388 common shares via RSU settlement and 24,805 shares were withheld for taxes. Footnotes clarify these withheld shares were never issued, distinguishing them from discretionary market transactions.

How many SoFi (SOFI) shares does Arun Pinto hold after these Form 4 transactions?

After the reported RSU vesting and tax withholding, Arun Pinto directly holds 188,872 shares of SoFi common stock. This total reflects the net position after receiving 45,388 RSU-settled shares and the withholding of 24,805 shares to satisfy applicable tax obligations on the vesting.

What price was used for the tax-withholding shares in Arun Pinto’s SoFi (SOFI) Form 4?

The tax-withholding entry shows 24,805 SoFi common shares valued at $15.493 per share. According to the footnotes, these shares were used solely to satisfy RSU-related tax obligations and were not actually issued to Pinto as tradable common stock.

What do the RSU footnotes in Arun Pinto’s SoFi (SOFI) Form 4 explain?

The footnotes state each RSU equals one common share upon settlement for no consideration, clarify that 24,805 shares were withheld for RSU tax obligations and never issued, and note the settlement relates to RSUs originally disclosed in a March 13, 2024 Form 4.