{"schema_version":"secwatch.filing_event.v1","accession":"0001818874-23-000005","form_type":"8-K","ticker":"SOFI","cik":"0001818874","company_name":"SoFi Technologies, Inc.","filed_at":"2023-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.749551+00:00","generated_at":"2026-06-20T06:44:17.862133+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"SoFi Q4 revenue $457M (+60% YoY), net loss improves 64%, record adj. EBITDA $70M","bullets":["Q4 GAAP net revenue $456.7M (+60% YoY); adjusted net revenue $443.4M (+58%).","Net loss improved 64% YoY to $40.0M; loss per share -$0.05 vs -$0.15.","Adjusted EBITDA record $70.1M (up 15.3x YoY, up 58% sequentially).","Added ~480,000 new members in Q4; total members 5.2M (+51% YoY).","FY 2023 guidance: expects significant revenue and EBITDA growth, targets GAAP net income profitability in Q4 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001818874-23-000005","json":"https://secwatch.observer/filing/0001818874-23-000005.json","markdown":"https://secwatch.observer/filing/0001818874-23-000005.md","text":"https://secwatch.observer/filing/0001818874-23-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818874/000181887423000005/0001818874-23-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818874/000181887423000005/sofi-20230130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T06:44:17.862133+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"e00990617ff2c4c66f60dc66f8508c136e9a4422","claim":"SoFi Technologies, Inc. reported three months and year ended December 31, 2022 results: revenue $456,679, net income (40,006), EPS (0.05).","evidence_excerpt":"Results Summary Three Months Ended December 31, % Change Year Ended December 31, % Change ($ in thousands) 2022 2021 2022 2021 Consolidated – GAAP Total net revenue $ 456,679 $ 285,608 60 % $ 1,573,535 $ 984,872 60 % Net loss (40,006) (111,012) (64) % (320,407) (483,937) (34) % Loss per share – basic and diluted (0.05) (0.15) (67) % (0.40) (1.00) (60)","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1818874/000181887423000005/0001818874-23-000005-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months and year ended December 31, 2022"},{"label":"Revenue","value":"$456,679"},{"label":"Net income","value":"(40,006)"},{"label":"EPS","value":"(0.05)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}