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Equity
 3 Months Ended
Mar. 31, 2026
Equity [Abstract]  
Equity
Note 9. Equity
Permanent Equity
On June 1, 2021, the Company’s common stock began trading on the Nasdaq Global Select Market under the ticker symbol “SOFI”. Pursuant to SoFi Technologies’ Certificate of Incorporation, the Company is authorized to issue 3,000,000,000 shares of common stock, with a par value of $0.0001 per share, and 100,000,000 shares of non-voting common stock, with a par value of $0.0001 per share. As of March 31, 2026, the Company had 1,281,409,498 shares of common stock and no shares of non-voting common stock issued and outstanding.
On July 31, 2025, the Company completed an underwritten public offering of 82,733,817 shares of common stock, at an offering price of $20.85 per share. The Company received net proceeds of $1.7 billion after deducting underwriting discounts and offering costs. On December 8, 2025, the Company completed an underwritten public offering of 54,545,454 shares of common stock, at an offering price of $27.50 per share. The Company received net proceeds of $1.5 billion after deducting underwriting discounts and offering costs.
In January 2026, the Company completed the issuance and sale of 3,209,206 shares of common stock purchased pursuant to a 30-day option related to the December 2025 underwriting agreement. The Company received net proceeds of approximately $0.1 billion after deducting underwriting discounts and commissions paid.
Inclusive of the option, the total aggregate number of shares sold in December 2025 and January 2026 related to the offering was 57,754,660 shares, for total cash proceeds of approximately $1.6 billion, net of underwriting discounts and commissions paid.
The Company reserved the following common stock for future issuance:
March 31,
2026		December 31,
2025
Outstanding stock options, restricted stock units and performance stock units74,879,337 69,314,034 
Possible future issuance under stock plans187,896,607 124,357,791 
Conversion of convertible notes(1)
19,096,202 19,096,202 
Total common stock reserved for future issuance281,872,146 212,768,027 
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(1)Represents the number of common stock issuable upon conversion of all convertible note principal at the conversion rate in effect at the balance sheet date. As of March 31, 2026, the 2026 convertible notes are potentially convertible into 19,096,202 shares of common stock. We expect to settle conversions by a combination of cash and shares of our common stock, based on the applicable conversion rate(s). See Note 8. Debt for additional information.
Dividends
Common stockholders and non-voting common stockholders are entitled to dividends when and if declared by the Board of Directors and subject to government regulation over banks and bank holding companies. There were no dividends declared or paid to common stockholders during the three months ended March 31, 2026 and 2025.
Voting Rights
Each holder of common stock has the right to one vote per share of common stock and is entitled to notice of any stockholder meeting. Non-voting common stock does not have any voting rights or other powers.
Accumulated Other Comprehensive Income (Loss)
AOCI primarily consists of accumulated net unrealized gains or losses associated with our investments in AFS debt securities and foreign currency translation adjustments. The following table presents the rollforward of AOCI, inclusive of the changes in the components of other comprehensive income (loss):
AFS Debt SecuritiesForeign Currency Translation AdjustmentsTotal
Three Months Ended March 31, 2026
AOCI, beginning balance$10,340 $639 $10,979 
Other comprehensive loss before reclassifications
(7,213)(774)(7,987)
Amounts reclassified from AOCI into earnings(5,735)— (5,735)
Net current-period other comprehensive loss(1)(2)
(12,948)(774)(13,722)
AOCI, ending balance$(2,608)$(135)$(2,743)
Three Months Ended March 31, 2025
Beginning balance
$(9,359)$994 $(8,365)
Other comprehensive income (loss) before reclassifications
11,462 (269)11,193 
Amounts reclassified from AOCI into earnings— — — 
Net current-period other comprehensive income (loss)(1)(2)
11,462 (269)11,193 
AOCI, ending balance$2,103 $725 $2,828 
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(1)Gross realized gains and losses from sales of our investments in AFS debt securities that were reclassified from AOCI to earnings are recorded within noninterest income—other in the condensed consolidated statements of operations and comprehensive income. There were no reclassifications related to foreign currency translation adjustments during any of the periods presented.
(2)There were no material tax impacts during any of the periods presented.