SoFi Technologies, Inc. is a Delaware-incorporated bank holding company and digital financial services platform headquartered in San Francisco, California, listed on the Nasdaq Global Select Market under the ticker SOFI. The company operates through a banking subsidiary (SoFi Bank, National Association, regulated by the OCC and FDIC) and a technology platform segment, offering consumer lending, deposit accounts, investment products, and financial technology services to individual members and enterprise clients. SoFi acquired Golden Pacific Bancorp and its national bank subsidiary in February 2022, establishing its bank holding company structure and enabling deposit-funded lending operations. [Source: 10-Q, filed 2025-11-06, Glossary of Terms; 8-K, filed 2026-01-30, Item 2.02]

What is SOFI's DredgeCap risk score?

DredgeCap's AI analysis rates SOFI at 5.2/10 on the risk scale — Moderate risk. This score reflects dilution exposure, debt toxicity, liquidity position, and going-concern posture as disclosed in SEC filings.

Does SOFI have a going concern warning?

No current auditor going-concern warning is flagged in SOFI's SEC filings. Risk assessment is based on other filing-disclosed factors.

When did SOFI last file with the SEC?

SOFI's most recent SEC filing was a 10-K filed 2026-02-17. All filings are available on SEC EDGAR.

← SOFI Overview

10-QMay 7, 2026· Quarter Ended March 31, 2026

SOFI — 10-Q Filing

Track SOFI for Alerts

SOFI 10-Q Summary

For the quarter ended March 31, 2026, Sofi Technologies, Inc. reported revenue of $1,100,368, up 42.6% year-over-year. net income was $166,731, up 134.4% year-over-year.

SOFI Financial Highlights

Metric

Q-End 03/26

Q-End 03/25

Revenue

$1,100,368

$771,759

▲+42.6% YoY

Net Income

$166,731

$71,116

▲+134.4% YoY

SOFIWhat's Driving the Change

Depreciation & amortization

up 22.2% from $55,283 a year earlier

$67,578

▲

Current DredgeCap Risk Profile

Risk Score

5.2/10

ELEVATED

Dilution

6.5

Debt Toxicity

3.8

Going Concern

✓ Not flagged

The risk profile above reflects the latest cached DredgeCap analysis for SOFI. For the full filing-by-filing analyst report (red flags, primary risk driver, what moves the stock), open SOFI's company page.

What is a 10-Q?

A quarterly report covering the three months just ended. Includes unaudited condensed financial statements (balance sheet, income statement, cash flow), Management Discussion and Analysis (MD&A), and disclosure of material changes since the last annual report. Required for the first three fiscal quarters; the fourth quarter is rolled into the 10-K.

More on SOFI

Financial highlights are sourced directly from the 10-Q income statement (three months ended). YoY % compares to the same quarter one year earlier as reported by the issuer. The plain-language summary above is composed mechanically from the filing's reported numbers — no analysis or opinion. Form-type explainers and 8-K item descriptions are derived from SEC documentation. This page does not constitute investment advice. Always consult the original filing on SEC EDGAR for authoritative content, and consult a licensed financial advisor for investment decisions.