SOFI

SoFi Technologies, Inc.

Sector: financial servicesFinancial - Credit ServicesNASDAQMarket Cap: $24.03B

SoFi is a fintech platform offering lending, investing, and banking services with minimal direct government dependence but significant regulatory exposure from banking and consumer finance oversight.

Govt Dependence

15/100

Regulatory Density

72/100

Lobbying Intensity

8/100

Political Signal

LOW

BusinessWhat SOFI does

SoFi Technologies operates a digital financial services platform providing personal loans, student loan refinancing, investing/brokerage services, and banking products (checking, savings, credit cards). Revenue derives primarily from loan origination fees, net interest margin on deposits, and investment advisory/transaction fees. The company holds a national bank charter (as of 2022) and operates under federal banking regulation.

Lifetime Government AwardsSOFI federal contracts

SOFI doesn't hold direct federal contracts.

Verified via USASpending.gov: $0 reported in direct prime-contract awards. Companies in this position typically sell federal services indirectly through prime contractors and integrators (e.g., Lockheed Martin, Booz Allen, Microsoft Azure) or through commercial channels that don't appear in USASpending data.

Smart Money · 13F HoldingsHedge funds holding SOFI

$6.96B

Total SOFI held by tracked 13F funds

Funds with SOFI positions

+31

Funds opened this quarter

D.E. Shaw & Co. $850M opened 2025-12-31

D.E. Shaw & Co. $794M opened 2025-09-30

Citadel Advisors $733M opened 2025-12-31

Citadel Advisors $547M opened 2025-09-30

D.E. Shaw & Co. $502M opened 2025-06-30

D.E. Shaw & Co. $482M opened 2024-12-31

D.E. Shaw & Co. $397M opened 2025-03-31

Two Sigma Investments $259M opened 2025-06-30

23 more 13F positions tracked · quarterly delta charts available in member dashboard

Politicians Trading SOFIMembers of Congress with recent SOFI positions

1 politicians traded SOFI across 2 disclosed transactions totaling $16K (last 730 days). Greed score = composite of trade frequency, volume & recency across the politician's entire history (not just SOFI). 0-30 LOW · 30-60 MID · 60+ HIGH.

James Comer R-Kentucky · house 2 buys $16K 2025-01-02 LOW · 0

Congressional TradesWho in Congress is trading SOFI

2025-01-02 James Comer R-Kentucky · house Purchase $1,001 - $15,000

2025-01-02 James Comer R-Kentucky · house purchase $1,001 - $15,000

2024-03-21 (unknown) Sale (Full) $1,001 - $15,000

2024-03-21 (unknown) sale $1,001 - $15,000

2023-08-10 (unknown) purchase $1,001 - $15,000

2023-08-10 (unknown) Purchase $1,001 - $15,000

6+ trades on file · most recent 2025-01-10

Corporate Insiders · Form 4What CEOs, CFOs, and directors are doing with their own stock

No Form 4 activity recorded in the last 180 days.

Bills to WatchLegislation flagged by our analysis

SECURE Act 2.0 expansionConsumer Financial Protection Bureau (CFPB) rulemakingTruth in Lending Act (TILA) updatesDodd-Frank Act amendments

Political ProfileWhere SOFI sits in Washington

SoFi has minimal lobbying footprint and no identifiable congressional champions/critics. Stock movement driven primarily by earnings, interest rates, and fintech sector sentiment rather than legislative/regulatory events.

Regulatory ExposureThreats & opportunities

Regulatory threats

CFPB enforcement actions on lending practices
OCC examination intensity
student loan refinancing restrictions
deposit rate regulation

Regulatory opportunities

national bank charter streamlining
fintech regulatory sandbox expansion
student loan servicing market consolidation

Member intelligence layer

Live signals + predictions for SOFI — for Founders

The free page above gives you the public record. Members see the real-time intelligence layer on top of it:

Live 7-layer signal scores when Congress trades SOFI
Bill Pass Index v2 odds for every bill on the watch list
Iron Triangle alerts (committee × donor × trade)
SEC Form 4 cluster detection (CEO + CFO + director buys)
Whale-Opportunity expected-value ranking
Custom watchlist alerts via email + Discord

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Frequently AskedAbout SOFI & political exposure

Does SoFi Technologies, Inc. (SOFI) hold federal contracts?

No direct prime contracts reported in USASpending.gov for SoFi Technologies, Inc.. Companies in the semiconductor and AI hardware sectors often sell to the federal government via prime contractors and cloud resellers (Microsoft Azure, AWS, Lockheed Martin systems integration) rather than as direct primes.

Has Congress traded SOFI stock?

6 congressional trades by 2 unique members of Congress, most recently on 2025-01-02. See the Congressional Trading panel for politician-by-politician breakdown.

What is SOFI political risk profile?

Government dependence: 15/100. Lobbying intensity: 8/100. Political signal: low.

How does GovGreed track SOFI political activity?

GovGreed integrates STOCK Act congressional trade disclosures, FEC contributions, OGE executive-branch disclosures, USASpending federal contracts, Senate LDA lobbying filings, and SEC Form 4 corporate insider trades into a single queryable graph. SOFI data is updated daily from these official federal sources.