{"schema_version":"secwatch.filing_event.v1","accession":"0001818874-26-000008","form_type":"8-K","ticker":"SOFI","cik":"0001818874","company_name":"SoFi Technologies, Inc.","filed_at":"2026-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.320024+00:00","generated_at":"2026-05-16T06:02:54.749668+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 reports record Q4 revenue of $1.025B; adjusted net income up 184% YoY","bullets":["Q4 GAAP net revenue record $1.025B, up 40% YoY; GAAP net income $173.5M (down 48% YoY).","Adjusted EBITDA $317.6M (+60% YoY); adjusted EPS $0.13 (+160% YoY).","Added 1M new members in Q4; total members 13.7M (+35% YoY); products 20.2M (+37%).","Fee-based revenue up 53% to record $443M.","Management announced 2026 guidance and medium-term outlook (details in release)."],"urls":{"canonical":"https://secwatch.observer/filing/0001818874-26-000008","json":"https://secwatch.observer/filing/0001818874-26-000008.json","markdown":"https://secwatch.observer/filing/0001818874-26-000008.md","text":"https://secwatch.observer/filing/0001818874-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818874/000181887426000008/0001818874-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818874/000181887426000008/sofi-20260130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:02:54.749668+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"}