{"schema_version":"secwatch.filing_event.v1","accession":"0001818874-25-000204","form_type":"8-K","ticker":"SOFI","cik":"0001818874","company_name":"SoFi Technologies, Inc.","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.586386+00:00","generated_at":"2026-05-17T01:58:47.115665+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"SoFi Q3 2025: Record net revenue $962M, net income $139M, raises FY2025 guidance","bullets":["Record total net revenue $961.6M (+38% YoY); GAAP net income $139.4M ($0.11 diluted EPS) vs $60.7M.","Adjusted net revenue $949.6M (+38%); adjusted EBITDA $276.9M (+49%); fee-based revenue $409M (+50%).","Added 905k new members (total 12.6M, +35% YoY) and 1.4M new products (18.6M total, +36%).","Management raises 2025 guidance, citing durable growth and strong credit performance."],"urls":{"canonical":"https://secwatch.observer/filing/0001818874-25-000204","json":"https://secwatch.observer/filing/0001818874-25-000204.json","markdown":"https://secwatch.observer/filing/0001818874-25-000204.md","text":"https://secwatch.observer/filing/0001818874-25-000204.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818874/000181887425000204/0001818874-25-000204-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818874/000181887425000204/sofi-20251028.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:58:47.115665+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"}