Christopher Lapointe - Nov 12, 2025 Form 4 Insider Report for SoFi Technologies, Inc. (SOFI)

Role: CFO and PAO
Signature: /s/ Deanna M. Smith, Attorney-in-Fact
Stock symbol: SOFI
Transactions as of: Nov 12, 2025
Transactions value $: $0
Form type: 4
Date filed: 11/12/2025, 04:44 PM
Previous filing: Nov 7, 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Lapointe Christopher	CFO and PAO	C/O SOFI TECHNOLOGIES, INC., 234 1ST STREET, SAN FRANCISCO	/s/ Deanna M. Smith, Attorney-in-Fact	2025-11-12	0001864508

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	SOFI	Prepaid Forward Contract	Other		+500K			500K	Nov 12, 2025	Common Stock	500K		Direct	F1, F2, F3

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	On November 12, 2025, the Reporting Person entered into a prepaid variable forward contract with an unaffiliated third-party dealer. The contract obligates the Reporting Person to deliver shares of the Issuer's Common Stock or, at the Reporting Person's election, settle the contract in cash, on a settlement date on or about November 12, 2027 (the "Maturity Date"). In exchange, the Reporting Person will receive an upfront cash payment of $11,771,830. The Reporting Person pledged 500,000 shares of the Issuer's Common Stock (the "Pledged Shares" or the "Base Amount") to secure his obligations under the contract. The Reporting Person will retain all voting, dividend and other rights in the Pledged Shares during the term of the pledge.
F2	If the Reporting Person does not elect to settle the contract in cash, the number of shares of the Issuer's Common Stock that may be delivered by the Reporting Person following the Maturity Date will generally be determined as follows: (a) if the closing price of shares of the Issuer's Common Stock on the Maturity Date (the "Settlement Price") is less than $50.58 ("Cap Level") but greater than $25.38 ("Floor Level"), the Reporting Person will deliver a number of shares of the Issuer's Common Stock equal to the Base Amount multiplied by a ratio equal to the Floor Level divided by the Settlement Price;
F3	(continued from footnote 2 on this Form 4) (b) if the Settlement Price is equal to or greater than the Cap Level on the Maturity Date, the Reporting Person will deliver a number of shares of the Issuer's Common Stock equal to the Base Amount multiplied by a ratio equal to a fraction with a numerator equal to the sum of (A) the Floor Level and (B) the excess, if any, of the Settlement Price over the Cap Level, and a denominator equal to the Settlement Price; and (c) if the Settlement Price is equal to or less than the Floor Level on the Maturity Date, the Reporting Person will deliver a number of shares of the Issuer's Common Stock equal to the Base Amount.