Common Stock
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We are offering 54,545,454 shares of our common stock (the "Offering").
This prospectus supplement updates, amends and supplements the prospectus dated July 29, 2025, which forms a part of our Registration Statement on Form S-3 (Registration No. 333-289046) (the "Prospectus"). Capitalized terms used in this prospectus supplement and not otherwise defined herein have the meanings specified in the Prospectus. This prospectus supplement is not complete without the Prospectus. This prospectus supplement should be read in conjunction with the Prospectus, which is to be delivered with this prospectus supplement, and is qualified by reference thereto, except to the extent that the information in this prospectus supplement updates or supersedes the information contained in the Prospectus. Please keep this prospectus supplement with your Prospectus for future reference.
Shares of our common stock are quoted on The Nasdaq Global Select Market (the "Nasdaq") under the symbol "SOFI". On December 4, 2025, the closing price of our common stock was $29.60.
**Common Stock**

We are offering 54,545,454 shares of our common stock (the "Offering").
This prospectus supplement updates, amends and supplements the prospectus dated July 29, 2025, which forms a part of our Registration Statement on Form S-3 (Registration No. 333-289046) (the "Prospectus"). Capitalized terms used in this prospectus supplement and not otherwise defined herein have the meanings specified in the Prospectus. This prospectus supplement is not complete without the Prospectus. This prospectus supplement should be read in conjunction with the Prospectus, which is to be delivered with this prospectus supplement, and is qualified by reference thereto, except to the extent that the information in this prospectus supplement updates or supersedes the information contained in the Prospectus. Please keep this prospectus supplement with your Prospectus for future reference.
Shares of our common stock are quoted on The Nasdaq Global Select Market (the "Nasdaq") under the symbol "SOFI". On December 4, 2025, the closing price of our common stock was $29.60.
<p><strong>Common Stock</strong></p><p><img src="https://www.sec.gov/Archives/edgar/data/1818874/000181887425000229/image_3.jpg" alt="image_3.jpg"></p><p>We are offering 54,545,454 shares of our common stock (the "Offering").</p><p>This prospectus supplement updates, amends and supplements the prospectus dated July 29, 2025, which forms a part of our Registration Statement on Form S-3 (Registration No. 333-289046) (the "Prospectus"). Capitalized terms used in this prospectus supplement and not otherwise defined herein have the meanings specified in the Prospectus. This prospectus supplement is not complete without the Prospectus. This prospectus supplement should be read in conjunction with the Prospectus, which is to be delivered with this prospectus supplement, and is qualified by reference thereto, except to the extent that the information in this prospectus supplement updates or supersedes the information contained in the Prospectus. Please keep this prospectus supplement with your Prospectus for future reference.</p><p>Shares of our common stock are quoted on The Nasdaq Global Select Market (the "Nasdaq") under the symbol "SOFI". On December 4, 2025, the closing price of our common stock was $29.60.</p>