{"schema_version":"secwatch.filing_event.v1","accession":"0001818874-25-000006","form_type":"8-K","ticker":"SOFI","cik":"0001818874","company_name":"SoFi Technologies, Inc.","filed_at":"2025-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.046294+00:00","generated_at":"2026-05-27T09:22:47.908658+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 Q4 net revenue $734M, net income $332M; adjusted net revenue +24% YoY","bullets":["GAAP net income $332M vs $47.9M YoY; diluted EPS $0.29 vs $0.02 YoY.","Record adjusted net revenue $739M, up 24% YoY; financial services + tech platform combined revenue +52% YoY.","Fee-based revenue record $289M (+63%), reflecting shift to higher ROE revenue streams.","Members grew 34% and products 32% in 2024; management issued 2025 guidance.","Adjusted EBITDA $198M (+9% YoY); adjusted EPS $0.05 vs $0.02 YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001818874-25-000006","json":"https://secwatch.observer/filing/0001818874-25-000006.json","markdown":"https://secwatch.observer/filing/0001818874-25-000006.md","text":"https://secwatch.observer/filing/0001818874-25-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818874/000181887425000006/0001818874-25-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818874/000181887425000006/sofi-20250127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T09:22:47.908658+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}