SoFi (SOFI) director Freiberg exercises 250K options, sells shares to cover costs

Rhea-AI Filing Summary

SoFi Technologies director Steven J. Freiberg exercised stock options for 250,000 shares of common stock at an exercise price of $7.33 per share on February 6, 2026. He then sold 94,225 shares of common stock at $20.31 per share to cover the cost of the option exercise, withholding taxes, and related broker fees and commissions.

After these transactions, Freiberg directly owned 588,849 shares of SoFi common stock and held 63,704 stock options following the partial option exercise.

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^*

Freiberg Steven J

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
02/06/2026

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	02/06/2026		M		250,000	A	$7.33	683,074	D
Common Stock	02/06/2026		S		94,225(1)	D	$20.31	588,849	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
Stock Options (right to buy)	$7.33	02/06/2026		M			250,000	05/28/2021(2)	06/01/2027	Common Stock	250,000	$0	63,704	D

Explanation of Responses:

1. Sale of shares to cover the cost of exercise, withholding tax obligations, and pay broker fees and commissions, arising from the stock option exercise reported above.

2. Represents the exercise of a portion of the stock options granted to the Reporting Person as disclosed on the Reporting Person's Form 4 filed on June 2, 2021.

Remarks:

	/s/ Deanna M. Smith, Attorney-in-Fact	02/09/2026
	** 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.

FAQ

What insider transaction did SoFi (SOFI) director Steven J. Freiberg report?

Steven J. Freiberg exercised stock options for 250,000 SoFi shares and sold 94,225 shares. The exercise occurred at $7.33 per share, and the sale at $20.31 per share, primarily to cover exercise costs, taxes, and broker commissions.

How many SoFi (SOFI) stock options did Steven J. Freiberg exercise and at what price?

Freiberg exercised 250,000 SoFi stock options at an exercise price of $7.33 per share. These options converted into an equal number of common shares, as part of an award originally granted in May 2021 with an expiration date in June 2027.

How many SoFi (SOFI) shares did Steven J. Freiberg sell and why?

He sold 94,225 shares of SoFi common stock at $20.31 per share. According to the filing, the sale was made to cover the option exercise cost, related withholding tax obligations, and broker fees and commissions linked to the transaction.

What is Steven J. Freiberg’s SoFi (SOFI) share ownership after the reported transactions?

Following the transactions, Freiberg directly owned 588,849 SoFi common shares. He also retained 63,704 stock options after exercising a portion of his grant, reflecting his continuing equity stake as a director of SoFi Technologies.

Were the SoFi (SOFI) insider sales by Steven J. Freiberg discretionary or for tax and exercise costs?

The filing states the 94,225-share sale was to cover exercise costs, taxes, and broker fees. This indicates the sale was transaction-related, tied to funding the stock option exercise rather than described as a purely discretionary liquidation.

What derivative securities related to SoFi (SOFI) does Steven J. Freiberg still hold?

After the option exercise, Freiberg held 63,704 SoFi stock options directly. These options were part of a grant originally dated May 28, 2021, with an expiration date of June 1, 2027, giving him potential future conversion into common shares.