JPMorgan discloses 5.1% passive stake in SoFi

JPMorgan Chase & Co. filed a Schedule 13G reporting a passive ownership stake in SoFi Technologies, Inc. common stock.

Rhea-AI Filing Summary

JPMorgan Chase & Co. filed a Schedule 13G reporting a passive ownership stake in SoFi Technologies, Inc. common stock. As of 12/31/2025, JPMorgan is deemed to beneficially own 64,981,867 SoFi shares, representing 5.1% of the outstanding common stock. The firm has sole voting power over 58,776,908 shares and shared voting power over 236,589 shares. It holds sole dispositive (selling) power over 64,729,879 shares and shared dispositive power over 247,164 shares. JPMorgan certifies the shares were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of SoFi.

Insights

Equity ownership & regulatory filings analyst

JPMorgan discloses a passive 5.1% stake in SoFi common stock.

JPMorgan Chase & Co. reports beneficial ownership of 64,981,867 shares of SoFi Technologies common stock, or 5.1% of the class as of December 31, 2025. This crosses the 5% threshold that requires public disclosure under U.S. securities rules.

The filing is on Schedule 13G, which is used for holdings acquired and held in the ordinary course of business without the purpose of changing or influencing control. JPMorgan states it is a parent holding company or control person, with voting and dispositive powers spread across multiple subsidiaries such as J.P. Morgan Securities LLC and JPMorgan Chase Bank, National Association.

Because the filing is explicitly passive and does not describe activist intentions, the main implication is transparency into a significant institutional position rather than a change in SoFi’s strategic direction. Future ownership reports would show whether JPMorgan’s percentage stake increases or decreases over subsequent year-end dates.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What stake in SoFi Technologies (SOFI) does JPMorgan report on this Schedule 13G?

JPMorgan Chase & Co. reports beneficial ownership of 64,981,867 shares of SoFi Technologies common stock, representing 5.1% of the outstanding class as of December 31, 2025.

Is JPMorgan’s SoFi (SOFI) position reported as passive or active?

The position is reported on Schedule 13G, and JPMorgan certifies the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of SoFi.

How many SoFi (SOFI) shares can JPMorgan vote or dispose of?

JPMorgan has sole voting power over 58,776,908 shares and shared voting power over 236,589 shares, with sole dispositive power over 64,729,879 shares and shared dispositive power over 247,164 shares.

Which JPMorgan entities hold the SoFi (SOFI) shares reported on the Schedule 13G?

The filing lists several subsidiaries, including J.P. Morgan Trust Company of Delaware, J.P. Morgan Securities LLC, JPMorgan Chase Bank, National Association, JPMorgan Asset Management (UK) Limited, J.P. MORGAN SE, J.P. Morgan Investment Management Inc., J.P. Morgan Wealth Management Solutions Inc., and 55I, LLC.

Why is JPMorgan required to file a Schedule 13G for its SoFi (SOFI) holdings?

Because JPMorgan’s beneficial ownership of SoFi common stock reached more than 5% of the class as of December 31, 2025, it is required to publicly report this stake on a beneficial ownership schedule under U.S. securities regulations.

What does the 5.1% ownership reported by JPMorgan mean for SoFi (SOFI) shareholders?

The 5.1% stake shows that JPMorgan and its affiliates hold a significant institutional position in SoFi, but the use of Schedule 13G and the certification indicate the holdings are passive and not aimed at influencing control of the company.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 01/21/2026 - 08:13 AM Learn about SEC filing dates

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, $0.0001 par value per share

(Title of Class of Securities)

83406F102

(CUSIP Number)

12/31/2025

(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)

SCHEDULE 13G

CUSIP No. 83406F102

1

Names of Reporting Persons

JPMORGAN CHASE & CO.

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

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 58,776,908.00
6	Shared Voting Power 236,589.00
7	Sole Dispositive Power 64,729,879.00
8	Shared Dispositive Power 247,164.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

64,981,867.00

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)

5.1 %

12

Type of Reporting Person (See Instructions)

HC

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: JPMORGAN CHASE & CO.
(b)	Address or principal business office or, if none, residence: 270 Park Avenue,,New York, NY 10017
(c)	Citizenship: DE
(d)	Title of class of securities: Common stock, $0.0001 par value per share
(e)	CUSIP No.: 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: 64981867
(b)	Percent of class: 5.1 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 58776908
	(ii) Shared power to vote or to direct the vote: 236589
	(iii) Sole power to dispose or to direct the disposition of: 64729879
	(iv) Shared power to dispose or to direct the disposition of: 247164
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. Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	If a parent holding company has filed this schedule, pursuant to Rule 13d-1(b)(ii)(G), so indicate under Item 3(g) and attach an exhibit stating the identity and the Item 3 classification of the relevant subsidiary. If a parent holding company has filed this schedule pursuant to Rule 13d-1(c) or Rule 13d-1(d), attach an exhibit stating the identification of the relevant subsidiary. J.P. Morgan Trust Company of Delaware; J.P. Morgan Securities LLC; JPMorgan Chase Bank, National Association; JPMorgan Asset Management (UK) Limited; J.P. MORGAN SE; J.P. Morgan Investment Management Inc.; J.P. Morgan Wealth Management Solutions Inc.; 55I, LLC
Item 8.	Identification and Classification of Members of the Group.
	If a group has filed this schedule pursuant to §240.13d-1(b)(1)(ii)(K), so indicate under Item 3(k) and attach an exhibit stating the identity and Item 3 classification of each member of the group. If a group has filed this schedule pursuant to §240.13d-1(c) or §240.13d-1(d), attach an exhibit stating the identity of each member of the group. Not Applicable
Item 9.	Notice of Dissolution of Group.
	Notice of dissolution of a group may be furnished as an exhibit stating the date of the dissolution and that all further filings with respect to transactions in the security reported on will be filed, if required, by members of the group, in their individual capacity. See Item 5. 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.

JPMORGAN CHASE & CO.

Signature:	Rachel Tsvaygoft
Name/Title:	Vice President
Date:	01/21/2026