Vanguard holds 5.34% of SoFi (SOFI) — 68.2M shares reported

Rhea-AI Filing Summary

SoFi Technologies Inc Schedule 13G reports that Vanguard Capital Management beneficially owned 68,207,763 shares of SoFi common stock, representing 5.34% of the class as reported. The filing shows sole voting power for 11,099,182 shares and sole dispositive power for 68,207,763 shares. The CUSIP is 83406F102 and the reporting period is 03/31/2026. The filing states these holdings include securities held by Vanguard funds and certain affiliates over which Vanguard exercises dispositive power. The form is signed on 04/30/2026.

Insights

Institutional Ownership Analyst

Vanguard holds a >5% stake in SoFi, shown as dispositive control across fund and client accounts.

Vanguard Capital Management reports beneficial ownership of 68,207,763 shares (5.34%) as of 03/31/2026. The filing attributes voting and dispositive powers across Vanguard entities and funds, indicating aggregate influence rather than a single account position.

The excerpt lists 11,099,182 shares with sole voting power; subsequent disclosures or amendments could change these splits. Cash‑flow treatment and any planned transactions are not disclosed in the excerpt.

Regulatory Compliance Specialist

Schedule 13G used for passive or qualifying institutional reporting; this filing follows SEC attribution guidance.

The filing cites SEC Release No. 34-39538 in explaining aggregation of affiliate holdings and clarifies that some subsidiaries' holdings are disaggregated. The filing conforms to the Schedule 13G structure by identifying voting and dispositive powers and noting that no single other person holds >5% of the class.

Materiality is routine for ownership disclosure; the filing does not indicate activist intent or planned changes.

Key Figures

Beneficially owned shares: 68,207,763 shares Percent of class: 5.34% Sole voting power: 11,099,182 shares +2 more

5 metrics

Beneficially owned shares 68,207,763 shares reported as of 03/31/2026

Percent of class 5.34% percent of common stock reported

Sole voting power 11,099,182 shares shares with sole power to vote

CUSIP 83406F102 SoFi common stock identifier

Filing signature date 04/30/2026 date signed by Head of Global Fund Administration

Key Terms

beneficially owned, sole dispositive power, Schedule 13G, CUSIP

4 terms

beneficially owned regulatory

"reflects the securities beneficially owned, or deemed to be beneficially owned, by Vanguard Capital Management"

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

sole dispositive power regulatory

"Sole power to dispose or to direct the disposition of: 68207763"

Sole dispositive power is the exclusive legal authority to decide what happens to a security — for example, whether to sell, transfer, or retain shares — without needing anyone else’s permission. Investors care because it signals who truly controls the economic outcome of an investment: like holding the only key to a safe, the holder can realize gains or losses and may trigger regulatory reporting, insider rules, or influence over corporate ownership.

Schedule 13G regulatory

"Item 1. | (a) | Name of issuer: SoFi Technologies Inc"

A Schedule 13G is a formal document that investors file with the government when they acquire a large ownership stake in a company, usually for investment purposes rather than control. It helps keep the public informed about who owns significant parts of a company's shares, which can influence how the company is managed and how investors make decisions. Filing this schedule is important for transparency and understanding the ownership landscape of publicly traded companies.

CUSIP market

"CUSIP Number(s): 83406F102"

A CUSIP is a nine-character alphanumeric code that uniquely identifies a U.S. or Canadian financial security—such as a stock, bond, or fund share—like a Social Security number for an investment. It matters to investors because brokers, exchanges and record-keepers use the CUSIP to match trades, track ownership, settle transactions and pull accurate records, reducing errors and ensuring money and securities go to the right place.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

SoFi Technologies Inc

(Name of Issuer)

Common Stock

(Title of Class of Securities)

83406F102

(CUSIP Number)

03/31/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 83406F102

1

Names of Reporting Persons

Vanguard Capital Management

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

PENNSYLVANIA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 11,099,182.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 68,207,763.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

68,207,763.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

5.34 %

12

Type of Reporting Person (See Instructions)

IA

Comment for Type of Reporting Person: In accordance with SEC Release No. 34-39538 (January 12, 1998), this Schedule 13G reflects the securities beneficially owned, or deemed to be beneficially owned, by Vanguard Capital Management LLC and the following affiliates of Vanguard Capital Management LLC or business divisions of such affiliates: Vanguard Asset Management Limited, Vanguard Fiduciary Trust Company, Vanguard Global Advisers, LLC and Vanguard Investments Australia Ltd. This Schedule 13G includes securities held by Vanguard funds, or sleeves thereof, over which Vanguard Capital Management LLC exercises dispositive power, in addition to securities held by clients over which the affiliates or business divisions of such affiliates indicated above exercise dispositive and/or voting power. This Schedule 13G does not include securities, if any, beneficially owned by other subsidiaries or affiliates of Vanguard Capital Management LLC, or business divisions of such subsidiaries, whose ownership of securities is disaggregated from that of the reporting business unit in accordance with such release.

SCHEDULE 13G

Item 1.
(a)	Name of issuer: SoFi Technologies Inc
(b)	Address of issuer's principal executive offices: 234 1st Street, San Francisco, CA, 94105
Item 2.
(a)	Name of person filing: Vanguard Capital Management
(b)	Address or principal business office or, if none, residence: 100 Vanguard Blvd,, Malvern, PA, 19355
(c)	Citizenship: PA
(d)	Title of class of securities: Common Stock
(e)	CUSIP Number(s): 83406F102
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 68207763
(b)	Percent of class: 5.34 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 11099182
	(ii) Shared power to vote or to direct the vote: 0
	(iii) Sole power to dispose or to direct the disposition of: 68207763
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. Vanguard Capital Management, including investment companies registered under the Investment Company Act of 1940 and other managed accounts, have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, the securities reported herein.No one other person's interest in the securities reported herein is more than 5%.
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Vanguard Capital Management

Signature:	Ashley Grim
Name/Title:	Head of Global Fund Administration
Date:	04/30/2026

FAQ

What stake does Vanguard Capital Management report in SOFI?

Vanguard Capital Management reports beneficial ownership of 68,207,763 shares, equal to 5.34% of SoFi's common stock as of 03/31/2026. The filing attributes dispositive control across Vanguard funds and affiliates.

How many shares does Vanguard have voting power over in SoFi (SOFI)?

The filing shows Vanguard has sole voting power over 11,099,182 shares. It reports shared voting power as 0, with dispositive power reported separately for holdings.

Does the Schedule 13G indicate Vanguard is an activist investor in SOFI?

No. The Schedule 13G format and the filing language reflect institutional aggregation and dispositive control across funds; it does not state any activist intentions or plans to change control.

What date does the ownership reported in the SOFI filing cover?

The ownership figures are reported as of 03/31/2026, and the Schedule 13G is signed on 04/30/2026. Those dates anchor the reported share counts and percentages.

Which Vanguard entities are referenced in the SOFI ownership filing?

The filing mentions Vanguard Capital Management LLC and affiliates including Vanguard Asset Management Limited, Vanguard Fiduciary Trust Company, Vanguard Global Advisers, LLC, and Vanguard Investments Australia Ltd. as part of the aggregated holdings.