SoFi Technologies, Inc.
For the period ended Dec 31, 2025. Filed Feb 17, 2026.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 17, 2026
SOFI$16.37-2.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Glossary of Terms and Acronyms
| ACH: Automated clearing house | FINRA: Financial Industry Regulatory Authority |
|---|---|
| AFS: Available-for-sale | FRB: Federal Reserve Bank of San Francisco |
| ALCO: Asset Liability Committee | FTC: Federal Trade Commission |
| AWS: Amazon Web Services | FTP: Fund transfer pricing |
| AOCI: Accumulated other comprehensive income (loss) | GAAP: U.S. Generally Accepted Accounting Principles |
| ASU: Accounting Standards Update | GLBA: Gramm-Leach-Bliley Act |
| BHCA: Bank Holding Company Act of 1956, as amended | Golden Pacific: Golden Pacific Bancorp, Inc. |
| bps: Basis points | GSE: Government-Sponsored Enterprise |
| BSA: Bank Secrecy Act | HELOC: Home Equity Line of Credit |
| Business Combination: Transactions contemplated in a merger agreement entered | HMDA: Home Mortgage Disclosure Act |
| into by Social Finance, Inc. with Social Capital Hedosophia Holdings Corp. V on | IRLC: Interest rate lock commitment |
| January 7, 2021 | IRR: Interest rate risk |
| CARES Act: Coronavirus Aid, Relief, and Economic Security Act | IRS: Internal Revenue Service |
| CCPA: California Consumer Privacy Act | LIBOR: London Inter-Bank Offered Rate |
| CD: Community Development | MLA: Military Lending Act |
| CET1: Common Equity Tier 1 | MSB: Money services business |
| CFP: Certified financial planners | MSRB: Municipal Securities Rulemaking Board |
| CFPA: Consumer Financial Protection Act | NACHA: National Automated Clearinghouse Association |
| CFPB: Consumer Financial Protection Bureau | Nasdaq: The Nasdaq Global Select Market |
| CFTC: Commodity Futures Trading Commission | NII: Net Interest Income |
| CISO: Chief Information Security Officer | OCC: Office of the Comptroller of the Currency |
| CODM: Chief Operating Decision Maker | OFAC: Office of Foreign Assets Control |
| CPPA: California Privacy Protection Act | PD: Probability of Default |
| CPRA: California Privacy Rights Act | PFOF: Payment for order flow |
| CRA: Community Reinvestment Act | PSU: Performance stock units |
| DACA: Deferred Access for Childhood Arrival | RESPA: Real Estate Settlement Procedures Act |
| DCF: Discounted cash flow | ROU: Right-of-use |
| Dodd-Frank Act: Dodd-Frank Wall Street Reform and Consumer | RSU: Restricted stock units |
| Protection Act of 2010 | SCH: Social Capital Hedosophia Holdings Corp. V |
| DSU: Deferred stock units | SCRA: Servicemembers’ Civil Relief Act |
| DTC: Depository Trust Company | SEC: U.S. Securities and Exchange Commission |
| 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 |
| 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 | TILA: Truth in Lending Act |
| FDIC: Federal Deposit Insurance Corporation | UDAAP: Unfair, deceptive or abusive acts or practices |
| Federal Reserve: Board of Governors of the Federal Reserve System | UETA: Uniform Electronic Transactions Act |
| FHA: Fair Housing Act | VA: United Stated Department of Veterans Affairs |
| FHFA: Federal Housing Finance Agency | VIE: Variable interest entity |
| FHLB: Federal Home Loan Bank | Wyndham: Wyndham Capital Mortgage |
| FinCEN: Financial Crimes Enforcement Network | |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.