SoFi Technologies, Inc. (SOFI)

Digital bank with a technology platform, 82% U.S. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 17, 2026. Ranked 62 of the 101 Financial Services companies read so far, by the share within reach now.

SoFi’s approximately 6,100 employees, 82% in the United States, run lending, banking and investing for members and a payments technology platform for other institutions, split by description.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 38% now, 58% at the end of 2027, 66% at the end of 2028, 69% at the end of 2030. By the patterns, the work is about 69% desk work, 23% people work and 8% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 30% of the working time stays with people (conversation, in-person and hands-on work), 59% becomes checking a model's work and 7% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

6,100 employees as of December 31, 2025 (stated). About 82% of employees are in the United States and 18% international, by the filing.

The filing: “As of December 31, 2025, we employed approximately 6,100 employees, of which approximately 82% were located in the United States and 18% were located internationally.”

The workforce as industry patterns

What the filing says about the workforce: Approximately 6,100 employees, 82% in the United States; no U.S. employees represented by a union; a semi-annual engagement survey.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• JPMorgan Chase (JPM, 318,512 employees)37% now, 68% by 2028
• Citigroup (C, 226,000 employees)38% now, 68% by 2028
• Bank of America (BAC, 213,000 employees)39% now, 67% by 2028
• Wells Fargo (WFC, 205,000 employees)39% now, 67% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)40% now, 66% by 2028
• U.S. Bancorp (USB, 68,520 employees)40% now, 66% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)40% now, 66% by 2028
• Mastercard Incorporated (MA, 39,800 employees)40% now, 66% by 2028

What the filing says about AI

31 sentences in the filing name AI. The filing names AI 31 times: a conversational AI engine for members and for client banks, AI in payment fraud mitigation, and the rules on automated decision-making.

• “Our long-term goal is to provide the most convenient 24x7 service and dispel the historical construct of financial service availability based on 9-5 Monday through Friday through various means, such as supporting our members by offering a conversational AI engine to enhance the overall member experience.”
• “We also offer additional add-on technology solutions to support our clients and drive engagement, such as a conversational AI engine for customers of banks and financial institutions, and a real-time payment risk platform which employs AI and machine learning technology to enhance payment fraud mitigation strategies for financial customers.”
• “In addition, they impose strict obligations on businesses that use automated decision-making technology (ADMT), including for AI-based profiling.”
• “TABLE OF CONTENTS adjustments to our key business metrics, including adjustments to the total number of members or products in the event a member is removed in accordance with our terms of service which may not be reflected in the current period; changes in accounting principles generally accepted in the United States; incorrect estimates or assumptions by management in connection with the prep...”
• “TABLE OF CONTENTS further establish, diversify and refine our checking and savings, credit card, investment and brokerage offerings to meet evolving consumer needs and preferences, such as the introduction of products based on digital asset and blockchain innovations and the SoFi Smart Card; offer an attractive annual percentage yield on our deposits compared to our competitors and manage depos...”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20222median 0
• Fiscal 20237median 1
• Fiscal 202415median 4
• Fiscal 202531median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• No count by segment; the split between the banking businesses and the technology platform is by description.

Source: the company's annual report on EDGAR, accession 0001818874-26-000013, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.