← SEC 公告列表 | SOFI SEC 公告 | SoFi Technologies(SOFI)

季報 季度報告 10-Q 2026-08-06

SoFi Technologies提交第二季度10-Q 會員及貸款組合持續增長

於 SEC 網站開啟原文

AI 繁中摘要

SoFi Technologies 已向美國證交會提交截至 2026 年 6 月 30 日止第二季度的 10-Q 季度報告。期內公司繼續擴充其一站式數碼金融平台,會員人數及產品滲透率保持上升趨勢,個人貸款、學生貸款及房屋貸款組合錄得溫和增長,信貸質素整體維持穩定。 業務亮點方面,金融服務及科技平台兩大分部均見貢獻,貸款平台業務繼續透過第三方貸款轉介及證券化交易擴闊收入來源。公司於期內完成收購 Peach Finance 及 Composer Securities,進一步強化技術平台能力及證券相關服務,預期可為中長期交叉銷售帶來協同效應。 資本及流動性方面,公司於 2025 年底至 2026 年初進行公開發售集資,並持續管理其可轉換票據及倉庫融資安排。報告期內有 2026 年到期的可轉換優先票據相關活動,同時亦
展開英文正文
sofi-20260630000181887412/312026Q2falsehttp://fasb.org/us-gaap/2026#AvailableForSaleSecuritiesDebtSecuritieshttp://fasb.org/us-gaap/2026#AvailableForSaleSecuritiesDebtSecuritieshttp://fasb.org/us-gaap/2026#OtherAssetshttp://fasb.org/us-gaap/2026#OtherAssets.0446150P1Y387xbrli:sharesiso4217:USDiso4217:USDxbrli:sharessofi:segmentsofi:acquisitionxbrli:puresofi:entitysofi:trustsofi:daysofi:facilitysofi:votesofi:tranchesofi:repurchase_obligation00018188742026-01-012026-06-3000018188742026-07-3100018188742026-06-3000018188742025-12-310001818874us-gaap:NonvotingCommonStockMember2025-12-310001818874us-gaap:NonvotingCommonStockMember2026-06-300001818874us-gaap:VariableInterestEntityPrimaryBeneficiaryMember2026-06-300001818874us-gaap:VariableInterestEntityPrimaryBeneficiaryMember2025-12-3100018188742026-04-012026-06-3000018188742025-04-012025-06-3000018188742025-01-012025-06-300001818874us-gaap:CommonStockMember2026-03-310001818874us-gaap:AdditionalPaidInCapitalMember2026-03-310001818874us-gaap:AccumulatedOtherComprehensiveIncomeMember2026-03-310001818874us-gaap:RetainedEarningsMember2026-03-3100018188742026-03-310001818874us-gaap:AdditionalPaidInCapitalMember2026-04-012026-06-300001818874us-gaap:CommonStockMember2026-04-012026-06-300001818874us-gaap:RetainedEarningsMember2026-04-012026-06-300001818874us-gaap:AccumulatedOtherComprehensiveIncomeMember2026-04-012026-06-300001818874us-gaap:CommonStockMember2026-06-300001818874us-gaap:AdditionalPaidInCapitalMember2026-06-300001818874us-gaap:AccumulatedOtherComprehensiveIncomeMember2026-06-300001818874us-gaap:RetainedEarningsMember2026-06-300001818874us-gaap:CommonStockMember2025-12-310001818874us-gaap:AdditionalPaidInCapitalMember2025-12-310001818874us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-12-310001818874us-gaap:RetainedEarningsMember2025-12-310001818874us-gaap:AdditionalPaidInCapitalMember2026-01-012026-06-300001818874us-gaap:CommonStockMember2026-01-012026-06-300001818874us-gaap:RetainedEarningsMember2026-01-012026-06-300001818874us-gaap:AccumulatedOtherComprehensiveIncomeMember2026-01-012026-06-300001818874us-gaap:CommonStockMember2025-03-310001818874us-gaap:AdditionalPaidInCapitalMember2025-03-310001818874us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-03-310001818874us-gaap:RetainedEarningsMember2025-03-3100018188742025-03-310001818874us-gaap:AdditionalPaidInCapitalMember2025-04-012025-06-300001818874us-gaap:CommonStockMember2025-04-012025-06-300001818874us-gaap:RetainedEarningsMember2025-04-012025-06-300001818874us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-04-012025-06-300001818874us-gaap:CommonStockMember2025-06-300001818874us-gaap:AdditionalPaidInCapitalMember2025-06-300001818874us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-06-300001818874us-gaap:RetainedEarningsMember2025-06-3000018188742025-06-300001818874us-gaap:CommonStockMember2024-12-310001818874us-gaap:AdditionalPaidInCapitalMember2024-12-310001818874us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-12-310001818874us-gaap:RetainedEarningsMember2024-12-3100018188742024-12-310001818874us-gaap:AdditionalPaidInCapitalMember2025-01-012025-06-300001818874us-gaap:CommonStockMember2025-01-012025-06-300001818874us-gaap:RetainedEarningsMember2025-01-012025-06-300001818874us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-01-012025-06-300001818874sofi:PeachFinanceInc.AndComposerSecuritiesLLCMember2026-04-012026-06-300001818874sofi:PeachFinanceInc.AndComposerSecuritiesLLCMember2026-06-300001818874sofi:TechnologyPlatformSegmentMembersofi:PeachFinanceInc.Member2026-06-300001818874sofi:FinancialServicesSegmentMembersofi:ComposerSecuritiesLLCMember2026-06-300001818874sofi:ReferralsLoanPlatformMembersofi:FinancialServicesSegmentMember2026-04-012026-06-300001818874sofi:ReferralsLoanPlatformMembersofi:FinancialServicesSegmentMember2025-04-012025-06-300001818874sofi:ReferralsLoanPlatformMembersofi:FinancialServicesSegmentMember2026-01-012026-06-300001818874sofi:ReferralsLoanPlatformMembersofi:FinancialServicesSegmentMember2025-01-012025-06-300001818874sofi:ReferralsOtherMembersofi:FinancialServicesSegmentMember2026-04-012026-06-300001818874sofi:ReferralsOtherMembersofi:FinancialServicesSegmentMember2025-04-012025-06-300001818874sofi:ReferralsOtherMembersofi:FinancialServicesSegmentMember2026-01-012026-06-300001818874sofi:ReferralsOtherMembersofi:FinancialServicesSegmentMember2025-01-012025-06-300001818874sofi:InterchangeMembersofi:FinancialServicesSegmentMember2026-04-012026-06-300001818874sofi:InterchangeMembersofi:FinancialServicesSegmentMember2025-04-012025-06-300001818874sofi:InterchangeMembersofi:FinancialServicesSegmentMember2026-01-012026-06-300001818874sofi:InterchangeMembersofi:FinancialServicesSegmentMember2025-01-012025-06-300001818874sofi:BrokerageMembersofi:FinancialServicesSegmentMember2026-04-012026-06-300001818874sofi:BrokerageMembersofi:FinancialServicesSegmentMember2025-04-012025-06-300001818874sofi:BrokerageMembersofi:FinancialServicesSegmentMember2026-01-012026-06-300001818874sofi:BrokerageMembersofi:FinancialServicesSegmentMember2025-01-012025-06-300001818874sofi:CryptoServiceMembersofi:FinancialServicesSegmentMember2026-04-012026-06-300001818874sofi:CryptoServiceMembersofi:FinancialServicesSegmentMember2025-04-012025-06-300001818874sofi:CryptoServiceMembersofi:FinancialServicesSegmentMember2026-01-012026-06-300001818874sofi:CryptoServiceMembersofi:FinancialServicesSegmentMember2025-01-012025-06-300001818874us-gaap:FinancialServiceOtherMembersofi:FinancialServicesSegmentMember2026-04-012026-06-300001818874us-gaap:FinancialServiceOtherMembersofi:FinancialServicesSegmentMember2025-04-012025-06-300001818874us-gaap:FinancialServiceOtherMembersofi:FinancialServicesSegmentMember2026-01-012026-06-300001818874us-gaap:FinancialServiceOtherMembersofi:FinancialServicesSegmentMember2025-01-012025-06-300001818874sofi:FinancialServicesSegmentMember2026-04-012026-06-300001818874sofi:FinancialServicesSegmentMember2025-04-012025-06-300001818874sofi:FinancialServicesSegmentMember2026-01-012026-06-300001818874sofi:FinancialServicesSegmentMember2025-01-012025-06-300001818874sofi:TechnologyServicesMembersofi:TechnologyPlatformSegmentMember2026-04-012026-06-300001818874sofi:TechnologyServicesMembersofi:TechnologyPlatformSegmentMember2025-04-012025-06-300001818874sofi:TechnologyServicesMembersofi:TechnologyPlatformSegmentMember2026-01-012026-06-300001818874sofi:TechnologyServicesMembersofi:TechnologyPlatformSegmentMember2025-01-012025-06-300001818874sofi:TechnologyPlatformOtherMembersofi:TechnologyPlatformSegmentMember2026-04-012026-06-300001818874sofi:TechnologyPlatformOtherMembersofi:TechnologyPlatformSegmentMember2025-04-012025-06-300001818874sofi:TechnologyPlatformOtherMembersofi:TechnologyPlatformSegmentMember2026-01-012026-06-300001818874sofi:TechnologyPlatformOtherMembersofi:TechnologyPlatformSegmentMember2025-01-012025-06-300001818874sofi:TechnologyPlatformSegmentMember2026-04-012026-06-300001818874sofi:TechnologyPlatformSegmentMember2025-04-012025-06-300001818874sofi:TechnologyPlatformSegmentMember2026-01-012026-06-300001818874sofi:TechnologyPlatformSegmentMember2025-01-012025-06-300001818874us-gaap:ConsumerLoanMembersofi:PersonalLoanPortfolioSegmentMember2026-06-300001818874us-gaap:ConsumerLoanMembersofi:PersonalLoanPortfolioSegmentMember2025-12-310001818874us-gaap:HomeEquityLoanMembersofi:HomeLoanPortfolioSegmentMember2026-06-300001818874us-gaap:HomeEquityLoanMembersofi:HomeLoanPortfolioSegmentMember2025-12-310001818874us-gaap:StudentLoanMembersofi:StudentLoanPortfolioSegmentMember2026-06-300001818874us-gaap:StudentLoanMembersofi:StudentLoanPortfolioSegmentMember2025-12-310001818874sofi:SecuredLoansPortfolioSegmentMember2026-06-300001818874sofi:SecuredLoansPortfolioSegmentMember2025-12-310001818874us-gaap:CreditCardReceivablesMembersofi:CreditCardLoanPortfolioSegmentMember2026-06-300001818874us-gaap:CreditCardReceivablesMembersofi:CreditCardLoanPortfolioSegmentMember2025-12-310001818874us-gaap:CommercialRealEstateMembersofi:CommercialAndConsumerBankingPortfolioSegmentMember2026-06-300001818874us-gaap:CommercialRealEstateMembersofi:CommercialAndConsumerBankingPortfolioSegmentMember2025-12-310001818874sofi:CommercialAndIndustrialMembersofi:CommercialAndConsumerBankingPortfolioSegmentMember2026-06-300001818874sofi:CommercialAndIndustrialMembersofi:CommercialAndConsumerBankingPortfolioSegmentMember2025-12-310001818874sofi:ResidentialRealEstateAndOtherConsumerMembersofi:CommercialAndConsumerBankingPortfolioSegmentMember2026-06-300001818874sofi:ResidentialRealEstateAndOtherConsumerMembersofi:CommercialAndConsumerBankingPortfolioSegmentMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMember2025-12-310001818874us-gaap:VariableInterestEntityPrimaryBeneficiaryMembersofi:StudentLoanPortfolioSegmentMemberus-gaap:StudentLoanMember2026-06-300001818874us-gaap:VariableInterestEntityPrimaryBeneficiaryMembersofi:StudentLoanPortfolioSegmentMemberus-gaap:StudentLoanMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:PersonalLoanPortfolioSegmentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:ConsumerLoanMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:StudentLoanPortfolioSegmentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:StudentLoanMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:HomeLoanPortfolioSegmentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:HomeEquityLoanMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:PersonalLoanPortfolioSegmentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:ConsumerLoanMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:StudentLoanPortfolioSegmentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:StudentLoanMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:HomeLoanPortfolioSegmentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:HomeEquityLoanMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ConsumerLoanMembersofi:PersonalLoanPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:FairValueMeasurementsRecurringMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:StudentLoanMembersofi:StudentLoanPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:FairValueMeasurementsRecurringMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:HomeEquityLoanMembersofi:HomeLoanPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:FairValueMeasurementsRecurringMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:FairValueMeasurementsRecurringMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ConsumerLoanMembersofi:PersonalLoanPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:StudentLoanMembersofi:StudentLoanPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:HomeEquityLoanMembersofi:HomeLoanPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310001818874sofi:PersonalLoanPortfolioSegmentMember2026-01-012026-06-300001818874sofi:PersonalLoanPortfolioSegmentMember2026-04-012026-06-300001818874sofi:PersonalLoanPortfolioSegmentMember2025-04-012025-06-300001818874sofi:StudentLoanPortfolioSegmentMember2025-01-012025-06-300001818874sofi:WholeLoansMembersofi:PersonalLoanPortfolioSegmentMember2026-04-012026-06-300001818874sofi:WholeLoansMembersofi:PersonalLoanPortfolioSegmentMember2025-04-012025-06-300001818874sofi:WholeLoansMembersofi:PersonalLoanPortfolioSegmentMember2026-01-012026-06-300001818874sofi:WholeLoansMembersofi:PersonalLoanPortfolioSegmentMember2025-01-012025-06-300001818874sofi:WholeLoansMembersofi:HomeLoanPortfolioSegmentMember2026-04-012026-06-300001818874sofi:WholeLoansMembersofi:HomeLoanPortfolioSegmentMember2025-04-012025-06-300001818874sofi:WholeLoansMembersofi:HomeLoanPortfolioSegmentMember2026-01-012026-06-300001818874sofi:WholeLoansMembersofi:HomeLoanPortfolioSegmentMember2025-01-012025-06-300001818874sofi:LoansInDelinquencyMembersofi:WholeLoansMembersofi:PersonalLoanPortfolioSegmentMember2026-04-012026-06-300001818874sofi:LoansInDelinquencyMembersofi:WholeLoansMembersofi:PersonalLoanPortfolioSegmentMember2025-04-012025-06-300001818874sofi:LoansInDelinquencyMembersofi:WholeLoansMembersofi:PersonalLoanPortfolioSegmentMember2026-01-012026-06-300001818874sofi:LoansInDelinquencyMembersofi:WholeLoansMembersofi:PersonalLoanPortfolioSegmentMember2025-01-012025-06-300001818874sofi:LoanPlatformBusinessThirdPartyLoansMembersofi:PersonalLoanPortfolioSegmentMember2026-04-012026-06-300001818874sofi:LoanPlatformBusinessThirdPartyLoansMembersofi:PersonalLoanPortfolioSegmentMember2025-04-012025-06-300001818874sofi:LoanPlatformBusinessThirdPartyLoansMembersofi:PersonalLoanPortfolioSegmentMember2026-01-012026-06-300001818874sofi:LoanPlatformBusinessThirdPartyLoansMembersofi:PersonalLoanPortfolioSegmentMember2025-01-012025-06-300001818874sofi:LoanPlatformBusinessPersonalLoanSecuritizationTransfersMembersofi:PersonalLoanPortfolioSegmentMember2026-04-012026-06-300001818874sofi:LoanPlatformBusinessPersonalLoanSecuritizationTransfersMembersofi:PersonalLoanPortfolioSegmentMember2025-04-012025-06-300001818874sofi:LoanPlatformBusinessPersonalLoanSecuritizationTransfersMembersofi:PersonalLoanPortfolioSegmentMember2026-01-012026-06-300001818874sofi:LoanPlatformBusinessPersonalLoanSecuritizationTransfersMembersofi:PersonalLoanPortfolioSegmentMember2025-01-012025-06-300001818874sofi:LoansInDelinquencyMembersofi:PersonalLoanPortfolioSegmentMembersofi:FinancialAssetEqualToOrGreaterThan30DaysPastDueMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874sofi:LoansInDelinquencyMembersofi:StudentLoanPortfolioSegmentMembersofi:FinancialAssetEqualToOrGreaterThan30DaysPastDueMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874sofi:LoansInDelinquencyMembersofi:HomeLoanPortfolioSegmentMembersofi:FinancialAssetEqualToOrGreaterThan30DaysPastDueMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874sofi:LoansInDelinquencyMembersofi:FinancialAssetEqualToOrGreaterThan30DaysPastDueMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874sofi:LoansInDelinquencyMembersofi:PersonalLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874sofi:LoansInDelinquencyMembersofi:StudentLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874sofi:LoansInDelinquencyMembersofi:HomeLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874sofi:LoansInDelinquencyMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874sofi:PersonalLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874sofi:StudentLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874sofi:HomeLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874sofi:LoansInDelinquencyMembersofi:PersonalLoanPortfolioSegmentMembersofi:FinancialAssetEqualToOrGreaterThan30DaysPastDueMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874sofi:LoansInDelinquencyMembersofi:StudentLoanPortfolioSegmentMembersofi:FinancialAssetEqualToOrGreaterThan30DaysPastDueMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874sofi:LoansInDelinquencyMembersofi:HomeLoanPortfolioSegmentMembersofi:FinancialAssetEqualToOrGreaterThan30DaysPastDueMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874sofi:LoansInDelinquencyMembersofi:FinancialAssetEqualToOrGreaterThan30DaysPastDueMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874sofi:LoansInDelinquencyMembersofi:PersonalLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874sofi:LoansInDelinquencyMembersofi:StudentLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874sofi:LoansInDelinquencyMembersofi:HomeLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874sofi:LoansInDelinquencyMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874sofi:PersonalLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874sofi:StudentLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874sofi:HomeLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874sofi:PersonalLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-04-012026-06-300001818874sofi:PersonalLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-04-012025-06-300001818874sofi:PersonalLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-01-012026-06-300001818874sofi:PersonalLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-01-012025-06-300001818874sofi:StudentLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-04-012026-06-300001818874sofi:StudentLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-04-012025-06-300001818874sofi:StudentLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-01-012026-06-300001818874sofi:StudentLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-01-012025-06-300001818874sofi:HomeLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-04-012026-06-300001818874sofi:HomeLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-04-012025-06-300001818874sofi:HomeLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-01-012026-06-300001818874sofi:HomeLoanPortfolioSegmentMemberus-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-01-012025-06-300001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-04-012026-06-300001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-04-012025-06-300001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-01-012026-06-300001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-01-012025-06-300001818874sofi:SecuredLoansPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-06-300001818874sofi:SecuredLoansPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-06-300001818874sofi:SecuredLoansPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-06-300001818874sofi:SecuredLoansPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2026-06-300001818874sofi:SecuredLoansPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:SecuredLoansPortfolioSegmentMember2026-06-300001818874sofi:CreditCardLoanPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:CreditCardLoanPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:CreditCardLoanPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:CreditCardLoanPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:CreditCardLoanPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialRealEstateMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:CommercialRealEstateMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:CommercialRealEstateMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:CommercialRealEstateMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberus-gaap:CommercialRealEstateMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:CommercialRealEstateMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMembersofi:CommercialAndIndustrialMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMembersofi:CommercialAndIndustrialMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMembersofi:CommercialAndIndustrialMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMembersofi:CommercialAndIndustrialMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMembersofi:CommercialAndIndustrialMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:CommercialAndIndustrialMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMembersofi:ResidentialRealEstateAndOtherConsumerMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMembersofi:ResidentialRealEstateAndOtherConsumerMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMembersofi:ResidentialRealEstateAndOtherConsumerMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMembersofi:ResidentialRealEstateAndOtherConsumerMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMembersofi:ResidentialRealEstateAndOtherConsumerMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:ResidentialRealEstateAndOtherConsumerMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CommercialAndConsumerBankingPortfolioSegmentMember2026-06-300001818874us-gaap:FinancialAssetNotPastDueMember2026-06-300001818874us-gaap:FinancingReceivables30To59DaysPastDueMember2026-06-300001818874us-gaap:FinancingReceivables60To89DaysPastDueMember2026-06-300001818874us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2026-06-300001818874us-gaap:FinancialAssetPastDueMember2026-06-300001818874us-gaap:EstimateOfFairValueFairValueDisclosureMember2026-06-300001818874sofi:SecuredLoansPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001818874sofi:SecuredLoansPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001818874sofi:SecuredLoansPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001818874sofi:SecuredLoansPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001818874sofi:SecuredLoansPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:SecuredLoansPortfolioSegmentMember2025-12-310001818874sofi:CreditCardLoanPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:CreditCardLoanPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:CreditCardLoanPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:CreditCardLoanPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:CreditCardLoanPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialRealEstateMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:CommercialRealEstateMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:CommercialRealEstateMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:CommercialRealEstateMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberus-gaap:CommercialRealEstateMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:CommercialRealEstateMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMembersofi:CommercialAndIndustrialMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMembersofi:CommercialAndIndustrialMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMembersofi:CommercialAndIndustrialMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMembersofi:CommercialAndIndustrialMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMembersofi:CommercialAndIndustrialMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:CommercialAndIndustrialMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMembersofi:ResidentialRealEstateAndOtherConsumerMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMembersofi:ResidentialRealEstateAndOtherConsumerMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMembersofi:ResidentialRealEstateAndOtherConsumerMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMembersofi:ResidentialRealEstateAndOtherConsumerMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMembersofi:ResidentialRealEstateAndOtherConsumerMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:ResidentialRealEstateAndOtherConsumerMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CommercialAndConsumerBankingPortfolioSegmentMember2025-12-310001818874us-gaap:FinancialAssetNotPastDueMember2025-12-310001818874us-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001818874us-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001818874us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310001818874us-gaap:FinancialAssetPastDueMember2025-12-310001818874us-gaap:EstimateOfFairValueFairValueDisclosureMember2025-12-310001818874sofi:FICOScoreGreaterThanOrEqualTo800Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScoreGreaterThanOrEqualTo800Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:FICOScore780To799Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScore780To799Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:FICOScore760To779Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScore760To779Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:FICOScore740To759Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScore740To759Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:FICOScore720To739Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScore720To739Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:FICOScore700To719Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScore700To719Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:FICOScore680To699Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScore680To699Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:FICOScore660To679Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScore660To679Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:FICOScore640To659Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScore640To659Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:FICOScore620To639Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScore620To639Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:FICOScore600To619Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScore600To619Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874sofi:FICOScoreLessThanOrEqualTo599Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2026-06-300001818874sofi:FICOScoreLessThanOrEqualTo599Memberus-gaap:EstimateOfFairValueFairValueDisclosureMembersofi:CreditCardLoanPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-12-310001818874us-gaap:PassMembersofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:CommercialRealEstateMember2026-06-300001818874sofi:WatchMembersofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:CommercialRealEstateMember2026-06-300001818874us-gaap:SpecialMentionMembersofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:CommercialRealEstateMember2026-06-300001818874us-gaap:SubstandardMembersofi:CommercialAndConsumerBankingPortfolioSegmentMemberus-gaap:CommercialRealEstateMember2026-06-300001818874us-gaap:PassMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:CommercialAndIndustrialMember2026-06-300001818874sofi:WatchMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:CommercialAndIndustrialMember2026-06-300001818874us-gaap:SpecialMentionMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:CommercialAndIndustrialMember2026-06-300001818874us-gaap:SubstandardMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:CommercialAndIndustrialMember2026-06-300001818874us-gaap:PassMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:ResidentialRealEstateAndOtherConsumerMember2026-06-300001818874sofi:WatchMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:ResidentialRealEstateAndOtherConsumerMember2026-06-300001818874us-gaap:SpecialMentionMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:ResidentialRealEstateAndOtherConsumerMember2026-06-300001818874us-gaap:SubstandardMembersofi:CommercialAndConsumerBankingPortfolioSegmentMembersofi:ResidentialRealEstateAndOtherConsumerMember2026-06-300001818874sofi:SecuredLoansPortfolioSegmentMember2026-01-012026-06-300001818874sofi:SecuredLoansPortfolioSegmentMember2025-01-012025-12-310001818874us-gaap:CreditCardReceivablesMembersofi:CreditCardLoanPortfolioSegmentMember2026-03-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMember2026-03-310001818874us-gaap:CreditCardReceivablesMembersofi:CreditCardLoanPortfolioSegmentMember2026-04-012026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMember2026-04-012026-06-300001818874us-gaap:CreditCardReceivablesMembersofi:CreditCardLoanPortfolioSegmentMember2025-03-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMember2025-03-310001818874us-gaap:CreditCardReceivablesMembersofi:CreditCardLoanPortfolioSegmentMember2025-04-012025-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMember2025-04-012025-06-300001818874us-gaap:CreditCardReceivablesMembersofi:CreditCardLoanPortfolioSegmentMember2025-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMember2025-06-300001818874us-gaap:CreditCardReceivablesMembersofi:CreditCardLoanPortfolioSegmentMember2026-01-012026-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMember2026-01-012026-06-300001818874us-gaap:CreditCardReceivablesMembersofi:CreditCardLoanPortfolioSegmentMember2024-12-310001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMember2024-12-310001818874us-gaap:CreditCardReceivablesMembersofi:CreditCardLoanPortfolioSegmentMember2025-01-012025-06-300001818874sofi:CommercialAndConsumerBankingPortfolioSegmentMember2025-01-012025-06-300001818874us-gaap:USTreasurySecuritiesMember2026-06-300001818874us-gaap:MortgageBackedSecuritiesMember2026-06-300001818874us-gaap:CorporateBondSecuritiesMember2026-06-300001818874us-gaap:AssetBackedSecuritiesMember2026-06-300001818874sofi:ResidualInvestmentsMember2026-06-300001818874us-gaap:OtherDebtSecuritiesMember2026-06-300001818874us-gaap:USTreasurySecuritiesMember2025-12-310001818874us-gaap:MortgageBackedSecuritiesMember2025-12-310001818874us-gaap:CorporateBondSecuritiesMember2025-12-310001818874us-gaap:AssetBackedSecuritiesMember2025-12-310001818874sofi:ResidualInvestmentsMember2025-12-310001818874us-gaap:OtherDebtSecuritiesMember2025-12-310001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2026-06-300001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-12-310001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMembersofi:SecuredLoansPortfolioSegmentMember2026-06-300001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMembersofi:SecuredLoansPortfolioSegmentMember2025-12-310001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMembersofi:PersonalLoanPortfolioSegmentMember2026-06-300001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMembersofi:PersonalLoanPortfolioSegmentMember2025-12-310001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMembersofi:StudentLoanPortfolioSegmentMember2026-06-300001818874us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMembersofi:StudentLoanPortfolioSegmentMember2025-12-310001818874us-gaap:LineOfCreditMembersofi:PersonalLoanWarehouseFacilitiesMember2026-06-300001818874us-gaap:LineOfCreditMembersrt:MinimumMembersofi:PersonalLoanWarehouseFacilitiesMember2026-06-300001818874us-gaap:LineOfCreditMembersrt:MaximumMembersofi:PersonalLoanWarehouseFacilitiesMember2026-06-300001818874us-gaap:LineOfCreditMembersofi:PersonalLoanWarehouseFacilitiesMember2025-12-310001818874us-gaap:LineOfCreditMembersofi:StudentLoanWarehouseFacilitiesMember2026-06-300001818874us-gaap:LineOfCreditMembersrt:MinimumMembersofi:StudentLoanWarehouseFacilitiesMember2026-06-300001818874us-gaap:LineOfCreditMembersrt:MaximumMembersofi:StudentLoanWarehouseFacilitiesMember2026-06-300001818874us-gaap:LineOfCreditMembersofi:StudentLoanWarehouseFacilitiesMember2025-12-310001818874us-gaap:RevolvingCreditFacilityMemberus-gaap:RevolvingCreditFacilityMember2026-06-300001818874us-gaap:RevolvingCreditFacilityMemberus-gaap:RevolvingCreditFacilityMember2025-12-310001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2026-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2025-12-310001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2029Member2026-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2029Member2025-12-310001818874sofi:OtherFinancingsMembersofi:OtherFinancingMember2026-06-300001818874sofi:OtherFinancingsMembersofi:OtherFinancingMember2025-12-310001818874sofi:StudentLoanSecuritizationsMember2026-06-300001818874sofi:StudentLoanSecuritizationsMembersrt:MinimumMember2026-06-300001818874sofi:StudentLoanSecuritizationsMembersrt:MaximumMember2026-06-300001818874sofi:StudentLoanSecuritizationsMember2025-12-310001818874srt:MinimumMember2026-01-012026-06-300001818874srt:MaximumMember2026-01-012026-06-300001818874us-gaap:LineOfCreditMemberus-gaap:RevolvingCreditFacilityMember2026-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2026-04-012026-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2026-01-012026-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2025-04-012025-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2025-01-012025-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2029Member2026-04-012026-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2029Member2026-01-012026-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2029Member2025-04-012025-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2029Member2025-01-012025-06-300001818874sofi:OtherFinancingsMembersofi:OtherFinancingMemberus-gaap:FinanceReceivablesMember2026-06-300001818874sofi:OtherFinancingsMembersofi:OtherFinancingMemberus-gaap:SecuritiesInvestmentMember2026-06-300001818874us-gaap:SecuredDebtMemberus-gaap:AssetPledgedAsCollateralMember2026-06-300001818874us-gaap:AssetPledgedAsCollateralMember2026-06-300001818874us-gaap:UnsecuredDebtMember2026-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2021-10-310001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2023-12-310001818874us-gaap:CommonStockMember2023-12-012023-12-310001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2024-03-310001818874us-gaap:CommonStockMember2024-03-012024-03-310001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2024-08-310001818874us-gaap:CommonStockMember2024-08-012024-08-310001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2021-10-040001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2029Member2024-03-310001818874us-gaap:LineOfCreditMembersofi:LoanWarehouseFacilitiesMember2026-01-012026-06-300001818874us-gaap:LineOfCreditMembersofi:LoanWarehouseFacilitiesMember2026-06-300001818874sofi:DebtWithScheduledPaymentsMember2026-06-300001818874us-gaap:ConvertibleDebtMembersofi:ConvertibleSeniorNotesDue2026Member2021-10-042021-10-040001818874us-gaap:CommonStockMember2021-06-010001818874us-gaap:NonvotingCommonStockMember2021-06-010001818874sofi:PublicStockOfferingMember2025-07-312025-07-310001818874sofi:PublicStockOfferingMember2025-07-310001818874sofi:PublicStockOfferingMember2025-12-082025-12-080001818874sofi:PublicStockOfferingMember2025-12-080001818874sofi:PublicStockOfferingMember2026-01-012026-01-310001818874sofi:PublicStockOfferingMember2025-12-012026-01-310001818874sofi:EmployeeStockOptionRestrictedStockUnitsAndPerformanceStockUnitsMember2026-06-300001818874sofi:EmployeeStockOptionRestrictedStockUnitsAndPerformanceStockUnitsMember2025-12-310001818874sofi:StockPlansMember2026-06-300001818874sofi:StockPlansMember2025-12-310001818874us-gaap:ConvertibleDebtMember2026-06-300001818874us-gaap:ConvertibleDebtMember2025-12-310001818874us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2026-03-310001818874us-gaap:AccumulatedTranslationAdjustmentMember2026-03-310001818874us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2026-04-012026-06-300001818874us-gaap:AccumulatedTranslationAdjustmentMember2026-04-012026-06-300001818874us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2026-06-300001818874us-gaap:AccumulatedTranslationAdjustmentMember2026-06-300001818874us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-03-310001818874us-gaap:AccumulatedTranslationAdjustmentMember2025-03-310001818874us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-04-012025-06-300001818874us-gaap:AccumulatedTranslationAdjustmentMember2025-04-012025-06-300001818874us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-06-300001818874us-gaap:AccumulatedTranslationAdjustmentMember2025-06-300001818874us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-12-310001818874us-gaap:AccumulatedTranslationAdjustmentMember2025-12-310001818874us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2026-01-012026-06-300001818874us-gaap:AccumulatedTranslationAdjustmentMember2026-01-012026-06-300001818874us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-12-310001818874us-gaap:AccumulatedTranslationAdjustmentMember2024-12-310001818874us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-01-012025-06-300001818874us-gaap:AccumulatedTranslationAdjustmentMember2025-01-012025-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2026-04-012026-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2025-04-012025-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2026-01-012026-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2025-01-012025-06-300001818874us-gaap:NondesignatedMembersofi:HomeLoanPipelineHedgesMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2026-04-012026-06-300001818874us-gaap:NondesignatedMembersofi:HomeLoanPipelineHedgesMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2025-04-012025-06-300001818874us-gaap:NondesignatedMembersofi:HomeLoanPipelineHedgesMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2026-01-012026-06-300001818874us-gaap:NondesignatedMembersofi:HomeLoanPipelineHedgesMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2025-01-012025-06-300001818874us-gaap:NondesignatedMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2026-04-012026-06-300001818874us-gaap:NondesignatedMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2025-04-012025-06-300001818874us-gaap:NondesignatedMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2026-01-012026-06-300001818874us-gaap:NondesignatedMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2025-01-012025-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMembersofi:NotDesignedToManageFutureLoanSaleExecutionRiskMember2026-04-012026-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMembersofi:NotDesignedToManageFutureLoanSaleExecutionRiskMember2025-04-012025-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMembersofi:NotDesignedToManageFutureLoanSaleExecutionRiskMember2026-01-012026-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMembersofi:NotDesignedToManageFutureLoanSaleExecutionRiskMember2025-01-012025-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMembersofi:NotDesignedToManageFutureLoanSaleExecutionRiskMember2026-04-012026-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMembersofi:NotDesignedToManageFutureLoanSaleExecutionRiskMember2025-04-012025-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2026-01-012026-06-300001818874us-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2025-01-012025-06-300001818874us-gaap:NondesignatedMember2026-04-012026-06-300001818874us-gaap:NondesignatedMember2025-04-012025-06-300001818874us-gaap:NondesignatedMember2026-01-012026-06-300001818874us-gaap:NondesignatedMember2025-01-012025-06-300001818874us-gaap:InterestRateSwapMember2026-06-300001818874us-gaap:InterestRateSwapMember2025-12-310001818874sofi:HomeLoanPipelineHedgesMember2026-06-300001818874sofi:HomeLoanPipelineHedgesMember2025-12-310001818874us-gaap:InterestRateSwapMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2026-06-300001818874us-gaap:InterestRateSwapMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2025-12-310001818874sofi:HomeLoanPipelineHedgesMembersofi:DesignedToManageFutureLoanSaleExecutionRiskMember2026-06-300001818874sofi:HomeLoanPipelineHedgesMembersofi:Desig