SOFI 10-K Annual Report Dec. 31, 2021 | Alphaminr
Social Capital Hedosophia Holdings Corp. V
ALPHAMINR

SOFI 10-K Fiscal year ended Dec. 31, 2021

Balance Sheet
Cash Flow
Income Statement
Debt
Name: SoFi Technologies, Inc. <br /> CIK: 1818874 <br /> Filing Type: 10-K/A <br /> Report Date: 2021-12-31 <br /> Download URL: https://www.sec.gov/Archives/edgar/data/1818874/000181887422000058/sofi-20211231.htm <br />
TABLE OF CONTENTS
Part IItem 1. BusinessItem 1A. Risk FactorsItem 1B. Unresolved Staff CommentsItem 2. PropertiesItem 3. Legal ProceedingsItem 4. Mine Safety DisclosuresPart IIItem 5. Market For Registrant S Common Equity, Related Stockholder Matters and Issuer Purchases Of Equity SecuritiesItem 6. ReservedItem 7. Management S Discussion and Analysis Of Financial Condition and Results Of OperationsItem 7A. Quantitative and Qualitative Disclosures About Market RiskItem 8. Financial Statements and Supplementary DataNote 1. Organization, Summary Of Significant Accounting Policies and New Accounting StandardsNote 2. Business CombinationsNote 3. Goodwill and Intangible AssetsNote 4. Investments in Afs Debt SecuritiesNote 5. LoansNote 6. Variable Interest EntitiesNote 7. Transfers Of Financial AssetsNote 8. Allowance For Credit LossesNote 9. Fair Value MeasurementsNote 10. DebtNote 11. Temporary EquityNote 12. Permanent EquityNote 13. Share-based CompensationNote 14. Income TaxesNote 15. Related PartiesNote 16. Commitments, Guarantees, Concentrations and ContingenciesNote 17. Loss Per ShareNote 18. Business Segment InformationNote 19. Subsequent EventsItem 9. Changes in and Disagreements with Accountants on Accounting and Financial DisclosureItem 9A. Controls and ProceduresItem 9B. Other InformationItem 9C. Disclosure Regarding Foreign Jurisdictions That Prevent InspectionsPart IIIItem 10. Directors, Executive Officers and Corporate GovernanceItem 11. Executive CompensationItem 12. Security Ownership Of Certain Beneficial Owners and Management and Related Stockholder MattersItem 13. Certain Relationships and Related Transactions, and Director IndependenceItem 14. Principal Accounting Fees and ServicesPart IVItem 15. Exhibits, Financial Statement SchedulesItem 16. Form 10-k Summary

Exhibits

2.2 First Amendment to Agreement and Plan of Merger, dated as of March 16, 2021, by and among Social Capital Hedosophia Holdings Corp. V, Plutus Merger Sub Inc. and Social Finance, Inc. 8-K 001-39606 March 16, 2021 2.1 2.3 Agreement and Plan of Merger and Reorganization, dated as of April 6, 2020, by and among Social Finance, Inc., SFI Acquisition Co., Inc., SFI Financial Technologies LLC, and Shareholder Representative Services LLC S-1 333-257092 June 14, 2021 2.3 2.4+ Agreement and Plan of Merger and Reorganization, dated as of February 19, 2022, by and among SoFi Technologies, Inc., Technisys S.A., Atom New Delaware, Inc., Atom Merger Sub Corporation and Fortis Advisors LLC, as representative 8-K 001-39606 February 24, 2022 2.1 3.1 CertificateofIncorporation of SoFi Technologies, Inc. 8-K 001-39606 June 4, 2021 3.1 3.2 By-Laws of SoFi Technologies, Inc. 8-K 001-39606 June 4, 2021 3.2 4.1 Specimen Common Stock Certificate of SoFi Technologies, Inc. S-4/A 333-252009 February 10, 2021 4.6 4.3 Indenture, dated as of October 4, 2021, between SoFi Technologies, Inc. and U.S. Bank National Association, as Trustee 8-K 001-39606 October 4, 2021 4.1 4.4 Form of Note representing the 0.00% Convertible Senior Notes due 2026 (included as Exhibit A) 8-K 001-39606 October 4, 2021 4.2 4.5* Description of Registered Securities 10.1 Form of Confirmation for Capped Call Transactions 8-K 001-39606 October 4, 2021 10.1 10.2 2021 Stock Option and Incentive Plan of SoFi Technologies, Inc. and forms of agreement thereunder. 8-K 001-39606 June 4, 2021 10.2 10.4 Shareholders Agreement, dated as of May 28, 2021, by and among the Registrant, SCH Sponsor V LLC, and the parties identified on the signature pages thereto 8-K 001-39606 June 4, 2021 10.4 10.6 Amended and Restated Registration Rights Agreement, dated as of May 28, 2021, by and among the Registrant, SCH Sponsor V LLC, certain former stockholders of Social Finance, Inc., as set forth on Schedule 1 thereto, Jay Parikh, Jennifer Dulski and the parties set forth on Schedule 2 thereto 8-K 001-39606 June 4, 2021 10.5 10.7 Series 1 Registration Rights Agreement, dated as of May 28, 2021, by and among the Registrant and certain former stockholders of Social Finance, Inc., as set forth on Schedule 1 thereto 8-K 001-39606 June 4, 2021 10.6 10.8 Social Finance, Inc. 2011 Stock Plan and forms of agreements thereunder S-4 333-252009 January 11, 2021 10.17 10.9 Stadium Complex Cornerstone Naming Rights and Sponsorship Agreement, dated as of September 14, 2019, by and between Stadco LA, LLC and Social Finance, Inc. S-1 333-257092 June 14, 2021 10.12 10.10 Revolving Credit Agreement, dated as of September 27, 2018, among Social Finance, Inc., as the Borrower, the Lenders party thereto, the Issuing Banks party thereto, Goldman Sachs Bank USA, as the Administrative Agent, and Citibank, N.A. and Goldman Sachs Bank USA, as Joint Lead Arrangers and Joint Bookrunners S-1 333-257092 June 14, 2021 10.13 10.11 Office Lease One Tehama, dated as of August 6, 2018, by and between 246 First Street (SF) Owner LLC and Social Finance, Inc. S-1 333-257092 June 14, 2021 10.14 10.12 First Amendment to Office Lease One Tehama, dated as of March 28, 2019, by and between 246 First Street (SF) Owner LLC and Social Finance, Inc. S-1 333-257092 June 14, 2021 10.15 10.13 Amended and Restated Offer of Employment Letter dated as of February 26, 2018 by and between Social Finance, Inc. and Anthony Noto S-1 333-257092 June 14, 2021 10.16 10.14 Offer Letter dated as of May 29, 2018 by and between Social Finance, Inc. and Christopher Lapointe S-1 333-257092 June 14, 2021 10.17 10.15 CFO Promotion Letter dated as of September 14, 2020 by and between Social Finance, Inc. and Christopher Lapointe S-1 333-257092 June 14, 2021 10.18 10.16 Offer Letter dated as of March 27, 2018 by and between Social Finance, Inc. and Michelle Gill S-1 333-257092 June 14, 2021 10.19 10.17 Offer Letter dated as of May 15, 2019 by and between Social Finance, Inc. and Jennifer Nuckles S-1 333-257092 June 14, 2021 10.20 10.18 Executive Vice President Promotion Letter dated as of March 6, 2020 by and between Social Finance, Inc. and Jennifer Nuckles S-1 333-257092 June 14, 2021 10.21 10.19 Offer Letter dated as of May 17, 2021 by and between Galileo Financial Technologies, LLC and Derek White S-1 333-257092 June 14, 2021 10.23 10.20 Form of Indemnification Agreement 8-K 001-39606 June 4, 2021 10.1 10.21+ Support Agreement, dated as of February 19, 2022, by and among SoFi Technologies, Inc. and the shareholders of Technisys S.A. party thereto 8-K 001-39606 February 24, 2022 10.1 10.22+ Lock-Up Agreement, dated as of February 19, 2022, by and among SoFi Technologies, Inc. and the shareholders of Technisys S.A. party thereto 8-K 001-39606 February 24, 2022 10.2 21* List of Subsidiaries of the Registrant 23* Consent of Independent Registered Public Accounting Firm 31.1* Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 31.2* Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 32.1* Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 32.2* Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002