SoFi Technologies Inc 2026年季度报告

FORM 10-Q(Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period ended March31, 2026 or ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period fromto Commission file number001-39606 SoFi Technologies, Inc. (Exact name of registrant as specified in its charter) Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities ExchangeAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has beensubject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and postedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that theregistrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,”and “emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filer☒Accelerated filer☐Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complyingwith any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐No☒ The number of shares of the registrant’s common stock, par value $0.0001 per share, outstanding as of April30, 2026 was 1,282,741,200shares. SOFI TECHNOLOGIES, INC.TABLE OF CONTENTS PageGlossary of Terms and Acronyms2Forward-Looking Statements3PART I – FINANCIAL INFORMATIONItem 1.Financial StatementsCondensed Consolidated Balance Sheets5Condensed Consolidated Statements of Operations and Comprehensive Income7Condensed Consolidated Statements of Changes in Equity8Condensed Consolidated Statements of Cash Flows9Notes to Condensed Consolidated Financial Statements11Note 1. Organization, Summary of Significant Accounting Policies and New Accounting Standards11Note 2. Revenue13Note 3. Loans15Note 4. Allowance for Credit Losses23Note 5. Investment Securities25Note 6. Securitization and Variable Interest Entities27Note 7. Deposits29Note 8. Debt30Note 9. Equity32Note 10. Derivative Financial Instruments34Note 11. Fair Value Measurements35Note 12. Share-Based Compensation43Note 13. Income Taxes45Note 14. Commitments, Guarantees, Concentrations and Contingencies46Note 15. Earnings Per Share48Note 16. Business Segment Information49Note 17. Subsequent Events51Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations52Item 3.Quantitative and Qualitative Disclosures About Market Risk94Item 4.Controls and Procedures98 Item 1.Legal Proceedings99Item 1A.Risk Factors99Item 2.Unregistered Sales of Equity Securities and Use of Proceeds100Item 3.Defaults Upon Senior Securities100Item 4.Mine Safety Disclosures100Item 5.Other Information100Item 6.Exhibits100 Glossary of Terms and Acronyms SoFi Technologies, Inc. As used in this Quarterly Report on Form 10-Q, unless the context requires otherwise, references to “SoFi”, the “Company”,“we”, “us”, and “our”, and similar references refer to SoFi Technologies, Inc. and its wholly-owned subsidiaries. Refer toGlossary of Terms and Acronymsfor the definitions of certain terms, acronyms and abbreviations used in thisdocument. CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS This Quarterly Report on Form 10-Q contains statements that are forward-looking and as such are not historical facts. Thisincludes, without limitation, statements regarding the financial position, business strategy and the plans and objectives of managementfor our future operations; anticipated trends and prospects in the industries in which our business operates; new products, services andrelated strategies; anticipated actions by governmental authorities; and macroeconomic conditions. These statements constituteprojections, forecasts and forward-looking statements, and are not guarantees of performance. Such statements can be identified by thefact that they do not relate strictly to historical or current facts. When used in this Quarterly Report on Form 10-Q, words such as“aim”, “allow”, “anticipate”, “believe”, “can”, “continue”, “could”, “estimate”, “expect”, “if”, “intend”, “likely”, “may”, “might”,“opportunity”, “plan”, “possible”, “possibility”, “potential”, “predict”, “project”, “should”,