Arun Pinto - 02 Feb 2026 Form 4 Insider Report for SoFi Technologies, Inc. (SOFI)

Role: Chief Risk Officer
Signature: /s/ Deanna M. Smith, Attorney-in-Fact
Issuer symbol: SOFI
Transactions as of: 02 Feb 2026
Net transactions value: $0
Form type: 4
Filing time: 02 Feb 2026, 17:05:01 UTC
Previous filing: 17 Dec 2025
Next filing: 19 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Pinto Arun	Chief Risk Officer	C/O SOFI TECHNOLOGIES, INC., 234 1ST STREET, SAN FRANCISCO	/s/ Deanna M. Smith, Attorney-in-Fact	02 Feb 2026	0002012135

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		+71,500			71,500	02 Feb 2026	Common Stock	71,500		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 February 2, 2026, 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 February 2, 2029 (the "Maturity Date"). In exchange, the Reporting Person will receive an upfront cash payment of approximately $1.2 million. The Reporting Person pledged 71,500 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 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 prior to the Maturity Date (the "Settlement Price") is less than $36.1032 ("Cap Level") but greater than $19.0052 ("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 subtracted by a ratio equal to a fraction with a numerator equal to the Cap Level minus the Floor 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.