SOFI insider ownership: who sold, why, and what they still hold

What stands out

Three officers bought shares: Anthony Noto (130K shares, $2.3M), Robert Lavet (5K shares, $105K) and Eric Schuppenhauer (5K shares, $100K).Anthony Noto: purchase, Mar 2, 2026 · Robert Lavet: purchase, Feb 6, 2026 · Eric Schuppenhauer: purchase, Feb 5, 2026
Tax withholding outweighed market sales: the company withheld $81.3M of officers' and directors' shares for taxes, against $11.8M sold on the open market. The largest was Anthony Noto ($49.9M withheld).Largest withholding, Nov 5, 2025

Percentages cover 11 of 18 officers and directors. 7 are left out

Left out: Jeremy Rishel, Steven Freiberg, Kelli Keough and Arun Pinto (most of their shares vested during the period, so a percentage would mislead); George Hutton (most holdings were last confirmed in 2021); Robert Lavet (holdings couldn't be fully reconciled); Dana Green (held no vested shares at the start).

Disclosed company stock is not an insider's whole wealth.

Who sold	Amount	% of holdings	Trading plan
Jeremy Rishel Chief Technology Officer	$6.2M 308K shares	i No percentage: most of their shares vested during the period, so a percentage would mislead.	Disclosed plan
Kelli Keough EVP, GBUL, SIPS	$2.5M 122K shares	i No percentage: most of their shares vested during the period, so a percentage would mislead.	Disclosed plan
Steven Freiberg Director	$1.9M 94K shares	i No percentage: most of their shares vested during the period, so a percentage would mislead.	No plan disclosed
Arun Pinto Chief Risk Officer	$1.1M 46K shares	i No percentage: most of their shares vested during the period, so a percentage would mislead.	Disclosed plan
Robert Lavet General Counsel	$21K 1.2K shares	i No percentage: holdings couldn't be fully reconciled.	No plan disclosed

The evidence

The full ownership picture17 of 18 insiders fully reconciled · 17 officers and directors

Vested shares across all share classes, held directly and through trusts, LLCs and family members, as reported on SEC Forms 3, 4 and 5. Unvested awards and options are never counted as owned shares.

Insider

Held Oct 7, 2025

Sold

Held Oct 7, 2026

Still held

Anthony Noto

Additional holdings last reported more than 3 years ago are shown separately and excluded from totals.

Chief Executive Officer, Director

10.34M

12.28M

no sales

Vesting, gifts, unvested awards and holding lines for Anthony Noto

+3.87Mshares vested or exercised

0gifted (net of own trusts)

−2.06Mwithheld by the company for taxes

2.95M → 6.39Munvested awards, start → end

Additional holdings last reported more than 3 years ago are shown separately and excluded from totals.

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	10,338,769	12,276,337

Additional holdings last reported May 5, 2023, not confirmed since: 33,259 shares. Not included in any total or percentage on this page.

Spouse, Common Stock: 33,259 shares, last reported May 5, 2023

Christopher Lapointe

CFO and PAO

1.51M

1.87M

no sales

Vesting, gifts, unvested awards and holding lines for Christopher Lapointe

+783Kshares vested or exercised

0gifted (net of own trusts)

−419Kwithheld by the company for taxes

1.03M → 1.31Munvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	1,506,600	1,870,290

Derek White

CEO - Galileo

1.10M

no sales

Vesting, gifts, unvested awards and holding lines for Derek White

0shares vested or exercised

0gifted (net of own trusts)

683K → 683Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	1,096,513	1,096,513

Jeremy Rishel

Chief Technology Officer

761K

−308K

913K

not meaningful

Vesting, gifts, unvested awards and holding lines for Jeremy Rishel

+967Kshares vested or exercised

0gifted (net of own trusts)

−510Kwithheld by the company for taxes

1.36M → 573Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	760,786	912,650

Magdalena Yesil

Director

704K

722K

no sales

Vesting, gifts, unvested awards and holding lines for Magdalena Yesil

+18Kshares vested or exercised

0gifted (net of own trusts)

18K → 14Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	414,716	0
Spouse	Common Stock	289,258	289,258
Magdalena Yesil Living Trust	Common Stock	0	433,104

George Hutton

Most of this insider's holdings were last confirmed in 2021. Confirmed in the last three years: 683,326 shares. Not confirmed since: 709,258 shares, left out of this row. "Still held" is not shown because it would cover only the smaller, confirmed part.

Director

665K

683K

see note

Vesting, gifts, unvested awards and holding lines for George Hutton

+18Kshares vested or exercised

0gifted (net of own trusts)

53K → 49Kunvested awards, start → end

Additional holdings last reported more than 3 years ago are shown separately and excluded from totals.

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	608,349	18,388
Hutton Living Trust, 12/10/96	Common Stock	56,589	664,938

Additional holdings last reported Nov 30, 2021, not confirmed since: 709,258 shares. Not included in any total or percentage on this page.

Unresolved (see footnote), Common Stock: 709,258 shares, last reported Nov 30, 2021

Steven Freiberg

Director

433K

−94K

594K

not meaningful

Vesting, gifts, unvested awards and holding lines for Steven Freiberg

+255Kshares vested or exercised

0gifted (net of own trusts)

53K → 75Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	433,074	593,998

Stock options (not counted as shares):

Options held	Strike price	Expires	Intrinsic value (estimate)
63,704	$7.33	Jun 1, 2027	$615K

Estimate: options held × ($16.99 − strike price), using the most recent insider trade price on Form 4 (Sep 21, 2026), not a market close.

Kelli Keough

EVP, GBUL, SIPS

285K

−122K

408K

not meaningful

Vesting, gifts, unvested awards and holding lines for Kelli Keough

+500Kshares vested or exercised

0gifted (net of own trusts)

−255Kwithheld by the company for taxes

944K → 534Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	285,410	408,073

Stephen Simcock

General Counsel

203K

236K

no sales

Vesting, gifts, unvested awards and holding lines for Stephen Simcock

+78Kshares vested or exercised

0gifted (net of own trusts)

−45Kwithheld by the company for taxes

876K → 798Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	202,695	235,833

Eric Schuppenhauer

EVP GBUL Borrow

191K

334K

no sales

Vesting, gifts, unvested awards and holding lines for Eric Schuppenhauer

+236Kshares vested or exercised

0gifted (net of own trusts)

−98Kwithheld by the company for taxes

669K → 537Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	191,318	334,336

Arun Pinto

Chief Risk Officer

165K

−46K

229K

not meaningful

Vesting, gifts, unvested awards and holding lines for Arun Pinto

+247Kshares vested or exercised

0gifted (net of own trusts)

−137Kwithheld by the company for taxes

614K → 523Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	164,948	228,623

Clara Liang

Director

97K

116K

no sales

Vesting, gifts, unvested awards and holding lines for Clara Liang

+18Kshares vested or exercised

0gifted (net of own trusts)

18K → 14Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	97,257	115,645

Bashir Ruzwana

Director

61K

79K

no sales

Vesting, gifts, unvested awards and holding lines for Bashir Ruzwana

+18Kshares vested or exercised

0gifted (net of own trusts)

18K → 14Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	60,971	79,359

Robert Lavet

Holdings couldn't be fully reconciled. Balance changed without a matching transaction, and the footnote does not state the amount: -2,210 shares on Feb 6, 2026 (Robert S. Lavet Trust). See the filing Sales and other transactions for Robert Lavet are complete.

General Counsel

n/a

−1.2K

n/a

Vesting, gifts, unvested awards and holding lines for Robert Lavet

+116Kshares vested or exercised

0gifted (net of own trusts)

−47Kwithheld by the company for taxes

8K → 36Kunvested awards, start → end

Started reporting during the period; starting holdings are from the Form 3.
New Form 3 filed 2026-01-16; earlier filings set aside.

Holdings couldn't be fully reconciled. Balance changed without a matching transaction, and the footnote does not state the amount: -2,210 shares on Feb 6, 2026 (Robert S. Lavet Trust). The balances below are as reported, not verified totals.

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	41,905	109,843
Robert S. Lavet Trust	Common Stock	14,382	17,172

Gary Meltzer

Director

45K

71K

no sales

Vesting, gifts, unvested awards and holding lines for Gary Meltzer

+26Kshares vested or exercised

0gifted (net of own trusts)

26K → 28Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	44,921	71,281

John Hele

Director

35K

no sales

Vesting, gifts, unvested awards and holding lines for John Hele

0shares vested or exercised

0gifted (net of own trusts)

18K → 32Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	35,034	35,034

William Borden

Director

35K

no sales

Vesting, gifts, unvested awards and holding lines for William Borden

0shares vested or exercised

0gifted (net of own trusts)

25K → 42Kunvested awards, start → end

Held through	Share class	Oct 7, 2025	Oct 7, 2026
Direct	Common Stock	35,034	35,034

17 of 18 insiders fully reconciled: starting holdings plus reported transactions match ending holdings (17 exactly, 0 with a minor or footnoted difference). For 1 we show sales but not holdings; the ! icon on that row explains why. Percentages cover 11 of 18 officers and directors. Left out: Jeremy Rishel, Steven Freiberg, Kelli Keough and Arun Pinto (most of their shares vested during the period, so a percentage would mislead); George Hutton (most holdings were last confirmed in 2021); Robert Lavet (holdings couldn't be fully reconciled); Dana Green (held no vested shares at the start). "Still held" compares ending with starting vested shares; a plus sign means the holding grew.

What explains the selling$11.8M of sales by plan status, purpose, seller and month

Officer and director open-market sales: $11.8M across 571,072 shares. Plan status and stated purpose are separate questions, and a sale can have both.

By plan status

Disclosed plan · $9.9M · 84%

16%

The lighter segment is sales with no plan disclosed in the filing ($1.9M), including tax-related sales outside a plan.

Taxes

$1.9M of sales (16.4%) cite tax obligations in their footnotes. Separately, 3,574,010 shares ($81.3M) were withheld by the company for taxes, which isn't a market sale. Example: Robert Lavet, Jun 18, 2026

Purchases · 7 in this period

Officers and directors reported 7 purchases (Form 4 code P) in this period, and 57 across all their filings on record.

Seller	Shares sold	Proceeds	Under a disclosed plan	Share of total	Sales dates
Jeremy Rishel Chief Technology Officer	308K	$6.2M	100%	53%	Dec 17, 2025 to Sep 21, 2026
Kelli Keough EVP, GBUL, SIPS	122K	$2.5M	100%	21%	Oct 20, 2025 to Sep 21, 2026
Steven Freiberg Director	94K	$1.9M	0%	16%	Feb 6, 2026 to Feb 6, 2026
Arun Pinto Chief Risk Officer	46K	$1.1M	100%	10%	Nov 21, 2025 to Nov 21, 2025
Robert Lavet General Counsel	1.2K	$21K	0%	0.2%	Jun 18, 2026 to Jun 18, 2026

Sales by month

Monthly figures as a table

Month	Sale proceeds
Oct 2025	$284K
Nov 2025	$1.4M
Dec 2025	$2.7M
Jan 2026	$244K
Feb 2026	$2.1M
Mar 2026	$1.8M
Apr 2026	$188K
May 2026	$156K
Jun 2026	$2.0M
Jul 2026	$188K
Aug 2026	$203K
Sep 2026	$499K
Oct 2026	$0

Is this normal? Selling year by year5 earlier years to compare with

Less than usual: less than one-twentieth of the 5-year average. 5 insiders sold; the average is 5 a year.

12 months ending	Shares sold	Insiders who sold	Proceeds
Oct 7, 2026 Latest 12 months	571K	5	$11.8M
Oct 7, 2025 1 year earlier	31.80M	5	$510M
Oct 7, 2024 2 years earlier	20.61M	6	$141M
Oct 8, 2023 3 years earlier	925K	5	$7.4M
Oct 8, 2022 4 years earlier	56.88M	7	$1.06B
Oct 8, 2021 5 years earlier	1.15M	2	$17.4M

Open-market sales (Form 4 code S) by people who were officers or directors, in split-adjusted shares. Earlier years include people who have since left. Shares, not dollars, are compared, so a change in the stock price doesn't look like a change in selling. Years the filings don't fully cover are shown but left out of the average.

Known gaps and uncertainty1 insider whose holdings couldn't be fully reconciled

Robert Lavet: holdings couldn't be fully reconciled (difference of -2,210 shares). Balance changed without a matching transaction, and the footnote does not state the amount: -2,210 shares on Feb 6, 2026 (Robert S. Lavet Trust). Filing, Feb 6, 2026

Footnote: "The shares are held by the Robert S. Lavet Trust."

Inferred rename: "Michael J. Bingle" is treated as the same holder as "Michael Bingle", because the old name was never reported again and the new one opened with the same balance (112,971 shares). Old name, new name

Inferred rename: "NA" is treated as the same holder as "Spouse", because the old name was never reported again and the new one opened with the same balance (463,538 shares). Old name, new name

Inferred rename: "91063 LLC" is treated as the same holder as "Shares held by 91063 LLC", because the old name was never reported again and the new one opened with the same balance (250,000 shares). Old name, new name

External context: we only cite outside events when a documented connection exists. None is shown for this period.

Sources and methodology564 filings from SEC EDGAR, and how we read them

All 564 Forms 3, 4 and 5 filed for SoFi Technologies, Inc. (SEC CIK 1818874) from Oct 9, 2020 to Sep 23, 2026, retrieved from SEC EDGAR on Oct 7, 2026. Prices are the ones reported in each filing, often weighted averages.

Holdings. Each holding line (a share class plus an owner, such as a trust or LLC) carries its last reported balance forward. Entities first reported during the period start at zero, so transfers between an insider's own trusts don't count as selling. Lines not reported for three years or more are listed separately and left out of totals.

Sales. A sale counts as under a 10b5-1 plan if its footnote cites one or the filing's Rule 10b5-1 box is checked, and as tax-related if its footnote cites tax obligations or sell-to-cover. Shares withheld by the company for taxes are listed separately. Sales with neither attribute are labeled "no plan disclosed".

Full methodology

Former or inactive filers (20)No filing in 18 months; last reported balances, not in any total

Name	Last filed	Last reported balance
SLTA IV (GP), L.L.C.	Dec 4, 2024	112,971 shares, last reported balance as of Dec 4, 2024
Ahmed Al-Hammadi	Aug 14, 2024	87,937 shares, last reported balance as of May 21, 2024
Harvey Schwartz	Aug 14, 2024	361,289 shares, last reported balance as of May 21, 2024
Qatar Investment Authority	Jun 14, 2024	3,000,000 shares, last reported balance as of May 28, 2021
Aaron Webster	Mar 18, 2024	615,080 shares, last reported balance as of Mar 15, 2024
Chad Borton	Mar 18, 2024	336,432 shares, last reported balance as of Mar 15, 2024
Webb Stafford	Dec 18, 2023	315,675 shares, last reported balance as of Dec 15, 2023
Richard Costolo	Aug 16, 2023	301,688 shares, last reported balance as of Jun 14, 2023
Michelle Gill	Sep 16, 2022	1,575,580 shares, last reported balance as of Sep 14, 2022
Jennifer Nuckles	Sep 16, 2022	603,453 shares, last reported balance as of Sep 14, 2022
SOFTBANK GROUP CORP	Aug 8, 2022	201,012,910 shares, last reported balance as of Aug 8, 2022
Micah Heavener	Jun 16, 2022	326,954 shares, last reported balance as of Jun 14, 2022
Assaf Ronen	Jun 16, 2022	486,447 shares, last reported balance as of Jun 14, 2022
Maria Renz	Mar 25, 2022	672,228 shares, last reported balance as of Mar 16, 2022
Thomas Wilkes	Nov 19, 2021	95,447,816 shares, last reported balance as of Nov 18, 2021
Steven Trieu	Jun 2, 2021	240,000 shares, last reported balance as of May 28, 2021
SCH Sponsor V LLC	Jun 2, 2021	64,712,500 shares, last reported balance as of May 28, 2021
Jay Parikh	Oct 9, 2020	100,000 shares, last reported balance as of Oct 8, 2020
Simon Williams		No balance on record
Jennifer Dulski		No balance on record

SoFi Technologies, Inc. insiders sold $11.8M. How much of their stake is that?

What stands out

The evidence

Taxes

Purchases · 7 in this period

Sales by month