SoFi Technologies, Inc.

For the period ended Mar 31, 2026. Filed May 7, 2026.

About this filing

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.

Mar 31, 2026 · Filed May 7, 2026

SOFI$16.37-2.3%Stored close · as of Nov 10, 2026

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Contents

Condensed Consolidated Balance Sheets

	March 31,2026	December 31,2025
Assets
Cash and cash equivalents	$3,401,020	$4,929,452
Restricted cash and restricted cash equivalents	360,231	427,321
Investment securities (includes available-for-sale securities of $3,048,360 and $2,454,453 at fair value with associated amortized cost of $3,043,774 and $2,434,627, as of March 31, 2026 and December 31, 2025, respectively)	3,231,227	2,575,607
Loans held for sale (includes $25.3 billion and $22.7 billion at fair value, as of March 31, 2026 and December 31, 2025, respectively)	25,454,796	22,862,749
Loans held for investment, at fair value	15,336,820	13,657,578
Loans held for investment, at amortized cost (less allowance for credit losses of $51,934 and $50,934, as of March 31, 2026 and December 31, 2025, respectively)	1,381,174	1,516,736
Servicing rights	367,902	378,178
Property, equipment and software	448,488	416,448
Goodwill	1,393,505	1,393,505
Intangible assets	215,087	231,919
Operating lease right-of-use assets	88,856	93,941
Other assets (less allowance for credit losses of $2,682 and $2,998, as of March 31, 2026 and December 31, 2025, respectively)	2,019,152	2,177,044
Total assets	$53,698,258	$50,660,478
Liabilities and equity
Liabilities:
Deposits:
Interest-bearing deposits	$40,119,699	$37,387,350
Noninterest-bearing deposits	122,998	118,045
Total deposits	40,242,697	37,505,395
Accounts payable, accruals and other liabilities	729,265	743,716
Operating lease liabilities	100,707	106,190
Debt	1,813,481	1,815,162
Residual interests classified as debt	517	520
Total liabilities	42,886,667	40,170,983
Commitments, guarantees, concentrations and contingencies (Note 14)
Equity:
Common stock, $0.00 par value: 3,100,000,000 and 3,100,000,000 shares authorized; 1,281,409,498 and 1,270,568,878 shares issued and outstanding, as of March 31, 2026 and December 31, 2025, respectively(1)	127	126
Additional paid-in capital	11,471,754	11,302,668
Accumulated other comprehensive income (loss)	(2,743)	10,979
Accumulated deficit	(657,547)	(824,278)
Total equity	10,811,591	10,489,495
Total liabilities and equity	$53,698,258	$50,660,478

(1)Includes 100,000,000 non-voting common shares authorized andno non-voting common shares issued and outstanding as of March 31, 2026 and December 31, 2025. See Note 9. Equity for additional information.

Condensed Consolidated Balance Sheets (Continued)

The following table presents the assets and liabilities of consolidated VIEs which are included in our condensed consolidated balance sheets. The assets in the below table may only be used to settle obligations of consolidated VIEs and are in excess of those obligations as of the dates presented. Additionally, the assets and liabilities in the table below exclude intercompany balances, which eliminate upon consolidation. See Note 6. Securitization and Variable Interest Entities for additional information.

	March 31,2026	December 31,2025
Assets
Restricted cash and restricted cash equivalents	$2,051	$2,099
Loans held for investment, at fair value	62,091	65,796
Total assets	$64,142	$67,895
Liabilities
Accounts payable, accruals and other liabilities	$8	$95
Debt	50,891	54,107
Residual interests classified as debt	517	520
Total liabilities	$51,416	$54,722

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.