SoFi

Company research

Public company, workplace, funding, and market signals

Updated Aug 5, 2026

Overview

SoFi Technologies, Inc. is a public, San Francisco-based digital financial-services company founded in 2011. It operates an integrated consumer “one-stop shop” for borrowing, saving, spending, investing and protecting money, plus a technology platform serving financial institutions and brands. As of Q2 2026 it reported 15.8 million members and 24.4 million products.

Primary product

The SoFi integrated digital financial platform/app, spanning personal, student and home lending; checking and savings; investing; credit cards; crypto; insurance; financial insights; SoFi Plus; and enterprise financial-technology services.

Founded

2011

Headquarters

234 1st Street, San Francisco, California 94105, United States

Team size

Approximately 3,000–4,000 (third-party LinkedIn profile signal; official current headcount not located)

Work style

Flexible

Industry

Financial services

Sub-industry

Digital banking, consumer fintech, lending and financial technology infrastructure

Offices

San Francisco, California

Frisco, Texas

New York, New York

Cottonwood Heights, Utah

Claymont, Delaware

Greenville, Delaware

Helena, Montana

Seattle, Washington

Jacksonville, Florida

Murray, Utah

Business model

Consumer lending and loan-platform fees

Net interest income and banking deposits

Interchange, brokerage, referral and other financial-services fees

Paid SoFi Plus membership

B2B financial-technology infrastructure and embedded-finance services

Funding

Stage

Public company; post-IPO financing history

Total raised

$3B

Latest round

Post-IPO debt · Feb 2024

Post-IPO debt

Feb 2024 · Schwab Asset Management

Series G

Jan 2021

$370M

Series F

Apr 2017

$105M

Series E

Oct 2015 · Renren

$150M

Series D

Feb 2015 · Third Point Ventures

$213M

Series C

Apr 2014 · Discovery Capital

$80M

Conventional Debt

Aug 2013 · East West Bank

$50M

Series B

Nov 2012 · Baseline Ventures

$77.2M

Angel

Oct 2011

$2M

Series A

Jan 2011 · Innovation Endeavors

$4M

People & investors

Leadership

Anthony Noto

Chief Executive Officer and Director

Chris Lapointe

Chief Financial Officer

Jeremy Rishel

Chief Technology Officer

Arun Pinto

Chief Risk Officer

Anna Avalos

Chief People Officer

Tom Karinshak

Executive Vice President and Head of Global Operations

Kelli Keough

Executive Vice President, Group Business Unit Leader for Spend, Invest, Protect and Save

Kathleen Pierce-Gilmore

President, SoFi Technology Solutions

Paul Mayer

President and Board Member, SoFi Bank

Founders

Dan Macklin

Co-founder

Ian Brady

Co-founder

James Finnigan

Co-founder

Mike Cagney

Co-founder

Investors

Institutional Venture Partners

Peter Thiel

Qatar Investment Authority

Renren

Schwab Asset Management

Silver Lake

Social Capital Hedosophia Holdings V

SoftBank Group

Third Point Ventures

Wellington Management

Work & culture

SoFi describes “The SoFi Way” as acting like a founder, being a relentless problem solver and serving members and colleagues as a partner. It emphasizes mission-driven work, member impact, inclusion, learning, mentorship and work/life balance; some teams may work in-office, hybrid or fully remote.

Work style

Flexible

Compensation

Public careers materials disclose a $200/month student-loan contribution, tuition assistance up to $5,250/year and broad benefits. Role-specific salary ranges and sponsorship terms were not established from the reviewed sources.

Benefits

Comprehensive medical, vision, dental, life and disability insurance

Flexible time off

Fitness, fertility and family-planning benefits

$200 monthly student-loan contribution

Up to $5,250 annually for approved tuition

Training, mentorship and leadership programs

Up to 16 hours of paid volunteer time annually

Employee resource groups (“SoFi Circles”)

Product & market

Pricing

Product-specific pricing: interest rates and fees for lending; interchange, referral and brokerage fees; deposit and banking economics; free and paid financial products, including the paid SoFi Plus membership; negotiated B2B platform contracts.

Differentiators

—Integrated multi-product financial-services app
—Cross-selling and member/product “financial services productivity loop”
—SoFi Bank deposit funding and lending capabilities
—Technology platform for enterprise financial products
—Large member base and growing products per member
—Combination of consumer financial services, lending and B2B infrastructure

Customers

15.8 million consumer members (Q2 2026)

Consumers seeking personal, student, home and other loans

Consumers using banking, investing, credit-card, crypto, insurance and financial-insight products

Fintechs, financial institutions and brands using Galileo/SoFi Technology Solutions

Competitors

Chime

LendingClub

Upstart

Robinhood

Rocket Companies

SoFi-like digital banks and personal-loan fintechs

Traditional banks and card issuers

Scale & contact

Estimated revenue

Approximately $3.6B–$4.85B adjusted annual revenue: $3.6B reported for 2025 and 2026 guidance of $4.75B–$4.85B.

Signals & risks

Acquisition

Jan 2026

SoFi acquired Peach Finance, strengthening technology-platform capabilities for credit cards, lines of credit, buy-now-pay-later and installment lending.

Source

Other

Jul 2026

Management said it would reinvest incremental revenue in growth initiatives while maintaining EBITDA guidance; market reaction included a reported share decline after Q2 results. Lending remains exposed to credit, funding, regulatory and competitive risks.

Source

Other

Dec 2025

The 2025 annual report identifies regulatory, credit, acquisition-integration and macroeconomic risks, including the ability to realize anticipated benefits from acquisitions.

Source

Latest news

SoFi Technologies Q2 Earnings Call Highlights

Transcript Daily · Aug 2026

Reported record originations and 40% adjusted-revenue growth, expansion of the loan platform and business banking, and Peach Finance integration into technology solutions.

SoFi Reports Second Quarter 2026 with Record Net Revenue of $1.2 Billion

SoFi Investor Relations · Jul 2026

Q2 adjusted net revenue reached $1.2B, members 15.8M, products 24.4M, originations $14.8B; SoFi raised 2026 adjusted-revenue guidance to $4.75B–$4.85B and announced Composer, SMB lending, expanded home-equity activity and Peach Finance acquisition.

SoFi Cross-Selling Grows as Members Drive 51% of New Products

PYMNTS · Jul 2026

Coverage of Q2 highlighted 51% of new products coming from existing members, SoFi Plus growth, SoFi Coach/AI plans, expansion into SMB and home equity, and continued investment over near-term profit maximization.

SoFi Reports Fourth Quarter and Full-Year 2025 Results

SEC filing / SoFi release · Jan 2026

FY2025 total net revenue was $3.61B; adjusted revenue was approximately $3.6B, with 13.7M members and 20.2M products at year-end.

Careers Engineering blog / technology site Engineering/product/design careers GitHub organization Investor relations Leadership LinkedIn company Official website Technology Solutions careers X account

SourcesSoFi 2025 Annual Report SoFi Investor Relations SoFi Leadership SoFi Careers SoFi Q2 2026 results SEC 2025 Form 10-K Crunchbase profile SoFi candidate resource / Why SoFi

Jobs and careers at SoFi

56 jobs at SoFi

Staff Software Engineer, AI Developer Experience

On-site

Infrastructure

CA - San Francisco; WA - Seattle; CA - San Francisco

4d ago

On-site

Full-time