{"schema_version":"secwatch.filing_event.v1","accession":"0001818874-23-000165","form_type":"8-K","ticker":"SOFI","cik":"0001818874","company_name":"SoFi Technologies, Inc.","filed_at":"2023-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:30.655478+00:00","generated_at":"2026-06-09T06:11:14.263171+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"SoFi Q3 2023: adjusted net revenue $531M (+27% YoY), record adj. EBITDA $98M, raises FY guidance","bullets":["GAAP net revenue $537M (+27% YoY); GAAP EPS loss $0.29 includes $247M goodwill impairment; ex-impairment EPS loss $0.03.","Adjusted net revenue $531M (+27% YoY); Adjusted EBITDA $98M (+121% YoY) with 18% margin.","New member adds 717k (record); total members 6.9M (+47% YoY); total products 10.4M (+45% YoY).","Deposits grew $2.9B sequentially to $15.7B; net interest margin expanded to 5.99%.","Management raises full-year 2023 guidance; expects positive GAAP net income in Q4 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001818874-23-000165","json":"https://secwatch.observer/filing/0001818874-23-000165.json","markdown":"https://secwatch.observer/filing/0001818874-23-000165.md","text":"https://secwatch.observer/filing/0001818874-23-000165.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818874/000181887423000165/0001818874-23-000165-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818874/000181887423000165/sofi-20231030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T06:11:14.263171+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":"58ec0977557ec7fcaf0980f10f955ba60e4e056d","claim":"SoFi Technologies, Inc. updated its three and nine months ended September 30, 2023 guidance (raised).","evidence_excerpt":"On October 30, 2023, SoFi Technologies, Inc. issued a press release reporting its financial results for the three and nine months ended September 30, 2023. A copy of the press release is attached as Exhibit 99.1 and is incorporated herein by reference.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1818874/000181887423000165/0001818874-23-000165-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and nine months ended September 30, 2023"},{"label":"Guidance","value":"raised"},{"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"}