SoFi Technologies, Inc.

For the period ended Sep 30, 2026. Filed Nov 5, 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.

Sep 30, 2026 · Filed Nov 5, 2026

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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Contents

Condensed Consolidated Balance Sheets

	September 30,2026	December 31,2025
Assets
Cash and cash equivalents	$2,809,582	$4,929,452
Restricted cash and restricted cash equivalents	789,194	427,321
Investment securities (includes available-for-sale securities of $4,745,323 and $2,454,453 at fair value with associated amortized cost of $4,897,251 and $2,434,627, as of September 30, 2026 and December 31, 2025, respectively)	4,992,659	2,575,607
Loans held for sale (includes $33,964,793 and $22,745,783 at fair value, as of September 30, 2026 and December 31, 2025, respectively)	34,014,991	22,862,749
Loans held for investment, at fair value	18,518,655	13,657,578
Loans held for investment, at amortized cost (less allowance for credit losses of $61,114 and $50,934, as of September 30, 2026 and December 31, 2025, respectively)	1,208,597	1,516,736
Servicing rights	364,617	378,178
Property, equipment and software	558,355	416,448
Goodwill	1,425,159	1,393,505
Intangible assets	208,093	231,919
Operating lease right-of-use assets	103,117	93,941
Other assets (less allowance for credit losses of $1,007 and $2,998, as of September 30, 2026 and December 31, 2025, respectively)	2,773,757	2,177,044
Total assets	$67,766,776	$50,660,478
Liabilities and equity
Liabilities:
Deposits:
Interest-bearing deposits	$51,188,033	$37,387,350
Noninterest-bearing deposits	136,989	118,045
Total deposits	51,325,022	37,505,395
Accounts payable, accruals and other liabilities	1,167,208	743,716
Operating lease liabilities	116,010	106,190
Debt	3,862,925	1,815,162
Residual interests classified as debt	474	520
Total liabilities	56,471,639	40,170,983
Commitments, guarantees, concentrations and contingencies (Note 15)
Equity:
Common stock, $0.00 par value: 3,100,000,000 and 3,100,000,000 shares authorized; 1,296,617,325 and 1,270,568,878 shares issued and outstanding, as of September 30, 2026 and December 31, 2025, respectively(1)	129	126
Additional paid-in capital	11,679,736	11,302,668
Accumulated other comprehensive income (loss)	(124,762)	10,979
Accumulated deficit	(259,966)	(824,278)
Total equity	11,295,137	10,489,495
Total liabilities and equity	$67,766,776	$50,660,478

(1)Includes 100,000,000 non-voting common shares authorized andno non-voting common shares issued and outstanding as of September 30, 2026 and December 31, 2025. See Note 10. 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 7. Securitization and Variable Interest Entities for additional information.

	September 30,2026	December 31,2025
Assets
Restricted cash and restricted cash equivalents	$2,125	$2,099
Loans held for investment, at fair value	52,938	65,796
Total assets	$55,063	$67,895
Liabilities
Accounts payable, accruals and other liabilities	$130	$95
Debt	43,937	54,107
Residual interests classified as debt	474	520
Total liabilities	$44,541	$54,722

ContentsView on SEC.gov

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