SoFi Technologies, Inc.
For the period ended Jun 30, 2025. Filed Aug 7, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2025 · Filed Aug 7, 2025
SOFI$16.37-2.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Glossary of Terms and Acronyms
| ACH: Automated clearing house | FRB: Federal Reserve Bank of San Francisco |
|---|---|
| AFS: Available-for-sale | FTC: Federal Trade Commission |
| ALCO: Asset Liability Committee | FTP: Fund transfer pricing |
| AWS: Amazon Web Services | GAAP: U.S. Generally Accepted Accounting Principles |
| AOCI: Accumulated other comprehensive income (loss) | GLBA: Gramm-Leach-Bliley Act |
| ASU: Accounting Standards Update | Golden Pacific: Golden Pacific Bancorp, Inc. |
| ATDS: Automatic telephone dialing systems | GSE: Government-Sponsored Enterprise |
| BHCA: Bank Holding Company Act of 1956, as amended | HELOC: Home Equity Line of Credit |
| bps: Basis points | HFI: Held for investment |
| BSA: Bank Secrecy Act | HFS: Held for sale |
| Bank Merger: Acquisition of Golden Pacific Bancorp, Inc. and its wholly owned | HMDA: Home Mortgage Disclosure Act |
| subsidiary, Golden Pacific Bank, National Association, a national bank, in | IRLC: Interest rate lock commitment |
| February 2022 | IRR: Interest rate risk |
| Business Combination: Transactions contemplated in a merger agreement entered | IRS: Internal Revenue Service |
| into by Social Finance, Inc. with Social Capital Hedosophia Holdings Corp. V on | LIBOR: London Inter-Bank Offered Rate |
| January 7, 2021 | LIHTC: Low Income Housing Tax Credit |
| CARES Act: Coronavirus Aid, Relief, and Economic Security Act | LOCOM: Lower of cost or market |
| CCPA: California Consumer Privacy Act | MLA: Military Lending Act |
| CD: Community Development | MSB: Money services business |
| CET1: Common Equity Tier 1 | MSRB: Municipal Securities Rulemaking Board |
| CFP: Certified financial planners | NACHA: National Automated Clearinghouse Association |
| CFPA: Consumer Financial Protection Act | Nasdaq: The Nasdaq Global Select Market |
| CFPB: Consumer Financial Protection Bureau | NII: Net Interest Income |
| CFTC: Commodity Futures Trading Commission | OCC: Office of the Comptroller of the Currency |
| CISO: Chief Information Security Officer | OFAC: Office of Foreign Assets Control |
| CODM: Chief Operating Decision Maker | PCD: Purchased credit deteriorated |
| CPA: Colorado Privacy Act | PD: Probability of Default |
| CPPA: California Privacy Protection Act | PFOF: Payment for order flow |
| CPRA: California Privacy Rights Act | PSU: Performance stock units |
| CRA: Community Reinvestment Act | QIA: Qatar Investment Authority |
| DACA: Deferred Access for Childhood Arrival | RESPA: Real Estate Settlement Procedures Act |
| DCF: Discounted cash flow | ROU: Right-of-use |
| DEP: Digital engagement practices | RSU: Restricted stock units |
| Dodd-Frank Act: Dodd-Frank Wall Street Reform and Consumer | SCH: Social Capital Hedosophia Holdings Corp. V |
| Protection Act of 2010 | SCRA: Servicemembers’ Civil Relief Act |
| DSU: Deferred stock units | SEC: U.S. Securities and Exchange Commission |
| DTC: Depository Trust Company | SPAC: Special purpose acquisition company |
| EAD: Exposure at Default | Social Finance: Social Finance, LLC (formerly Social Finance, Inc.) |
| EBRC: Enterprise Broad Risk Committee | SoFi Bank: SoFi Bank, National Association |
| EC: European Commission | SoFi Capital Advisors: SoFi Capital Advisors, LLC |
| ECOA: Equal Credit Opportunity Act | SoFi Securities: SoFi Securities LLC |
| EFTA: Electronic Fund Transfer Act | SoFi Stadium: The LA Stadium and Entertainment District at Hollywood |
| EPS: Earnings (loss) per share of common stock | Park in Inglewood, California |
| ESG: Environmental, social and corporate governance | SoFi Wealth: SoFi Wealth LLC |
| ESIGN: Electronic Signatures in Global and National Commerce Act | SOFR: Secured Overnight Financing Rate |
| ESPP: Employee Stock Purchase Plan | SPE: Special purpose entity |
| ETF: Exchange-Traded Funds | SRO: Self-regulatory organizations |
| EVE: Economic value of equity | TBA: To-be-announced security |
| FCA: Financial Conduct Authority | TCJA: Tax Cuts and Jobs Act |
| FCRA: Fair Credit Reporting Act | TCPA: Federal Telephone Consumer Protection Act |
| FDCPA: Fair Debt Collection Practices Act | Technisys: Technisys S.A., a Luxembourg société anonyme |
| FDIA: Federal Deposit Insurance Act | TDR: Troubled debt restructuring |
| FDIC: Federal Deposit Insurance Corporation | TGL: TMRW Golf League |
| Federal Reserve: Board of Governors of the Federal Reserve System | TILA: Truth in Lending Act |
| FHA: Fair Housing Act | UDAAP: Unfair, deceptive or abusive acts or practices |
| FHFA: Federal Housing Finance Agency | UETA: Uniform Electronic Transactions Act |
| FHLB: Federal Home Loan Bank | VA: United Stated Department of Veterans Affairs |
| FinCEN: Financial Crimes Enforcement Network | VIE: Variable interest entity |
| FINRA: Financial Industry Regulatory Authority | Wyndham: Wyndham Capital Mortgage |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.