SEC Info - SoFi Technologies, Inc. - ‘10-K’ for 12/31/23

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SoFi Technologies, Inc. – ‘10-K’ for 12/31/23 – ‘EX-101.SCH’

On: Tuesday, 2/27/24, at 5:14pm ET · For: 12/31/23 · Accession #: 1818874-24-26 · File #: 1-39606

  As Of               Filer                 Filing    For·On·As Docs:Size

 2/27/24  SoFi Technologies, Inc.           10-K       12/31/23  153:30M

Annual Report — Form 10-K — SEA’34

Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                       HTML   6.07M 
 2: EX-21       Subsidiaries List                                   HTML     46K 
 3: EX-23       Consent of Expert or Counsel                        HTML     42K 
 8: EX-97.1     Clawback Policy re: Recovery of Erroneously         HTML     57K 
                Awarded Compensation                                             
 4: EX-31.1     Certification -- §302 - SOA'02                      HTML     46K 
 5: EX-31.2     Certification -- §302 - SOA'02                      HTML     46K 
 6: EX-32.1     Certification -- §906 - SOA'02                      HTML     43K 
 7: EX-32.2     Certification -- §906 - SOA'02                      HTML     43K 
14: R1          Cover Page                                          HTML    107K 
15: R2          Audit Information                                   HTML     47K 
16: R3          Consolidated Balance Sheets                         HTML    148K 
17: R4          Consolidated Balance Sheets (Parenthetical)         HTML     87K 
18: R5          Consolidated Statements of Operations and           HTML    157K 
                Comprehensive Loss                                               
19: R6          Consolidated Statements of Changes in Temporary     HTML    174K 
                Equity and Permanent Equity (Deficit)                            
20: R7          Consolidated Statement of Cash Flows                HTML    221K 
21: R8          Organization, Summary of Significant Accounting     HTML    185K 
                Policies and New Accounting Standards                            
22: R9          Business Combinations                               HTML     69K 
23: R10         Revenue                                             HTML     86K 
24: R11         Loans                                               HTML    349K 
25: R12         Allowance for Credit Losses                         HTML     67K 
26: R13         Investment Securities                               HTML    194K 
27: R14         Securitization and Variable Interest Entities       HTML     49K 
28: R15         Goodwill and Intangible Assets                      HTML     98K 
29: R16         Property, Equipment, Software and Leases            HTML    127K 
30: R17         Other Assets and Other Liabilities                  HTML     82K 
31: R18         Deposits                                            HTML     58K 
32: R19         Debt                                                HTML    119K 
33: R20         Equity                                              HTML    123K 
34: R21         Derivative Financial Instruments                    HTML    101K 
35: R22         Fair Value Measurements                             HTML    405K 
36: R23         Share-Based Compensation                            HTML     99K 
37: R24         Income Taxes                                        HTML    154K 
38: R25         Commitments, Guarantees, Concentrations and         HTML     63K 
                Contingencies                                                    
39: R26         Loss Per Share                                      HTML     78K 
40: R27         Business Segment and Geographic Information         HTML    185K 
41: R28         Regulatory Capital                                  HTML     89K 
42: R29         Parent Company Condensed Financial Information      HTML     92K 
43: R30         Subsequent Events                                   HTML     44K 
44: R31         Organization, Summary of Significant Accounting     HTML    270K 
                Policies and New Accounting Standards (Policies)                 
45: R32         Business Combinations (Tables)                      HTML     57K 
46: R33         Revenue (Tables)                                    HTML     75K 
47: R34         Loans (Tables)                                      HTML    349K 
48: R35         Allowance for Credit Losses (Tables)                HTML     87K 
49: R36         Investment Securities (Tables)                      HTML    204K 
50: R37         Goodwill and Intangible Assets (Tables)             HTML    104K 
51: R38         Property, Equipment, Software and Leases (Tables)   HTML    139K 
52: R39         Other Assets and Other Liabilities (Tables)         HTML     84K 
53: R40         Deposits (Tables)                                   HTML     60K 
54: R41         Debt (Tables)                                       HTML    107K 
55: R42         Equity (Tables)                                     HTML    264K 
56: R43         Derivative Financial Instruments (Tables)           HTML    126K 
57: R44         Fair Value Measurements (Tables)                    HTML    518K 
58: R45         Share-Based Compensation (Tables)                   HTML    160K 
59: R46         Income Taxes (Tables)                               HTML    163K 
60: R47         Commitments, Guarantees, Concentrations and         HTML     48K 
                Contingencies (Tables)                                           
61: R48         Loss Per Share (Tables)                             HTML     77K 
62: R49         Business Segment and Geographic Information         HTML    172K 
                (Tables)                                                         
63: R50         Regulatory Capital (Tables)                         HTML     82K 
64: R51         Parent Company Condensed Financial Information      HTML    149K 
                (Tables)                                                         
65: R52         Organization, Summary of Significant Accounting     HTML     46K 
                Policies and New Accounting Standards -                          
                Organization and Consolidation of VIEs (Details)                 
66: R53         Organization, Summary of Significant Accounting     HTML     45K 
                Policies and New Accounting Standards - Loans and                
                Servicing Rights (Details)                                       
67: R54         Organization, Summary of Significant Accounting     HTML     56K 
                Policies and New Accounting Standards - Property,                
                Equipment, Software, Leases, and Safeguarding                    
                Asset and Liability (Details)                                    
68: R55         Organization, Summary of Significant Accounting     HTML     51K 
                Policies and New Accounting Standards - Borrowing                
                and Financing Costs (Details)                                    
69: R56         Organization, Summary of Significant Accounting     HTML     49K 
                Policies and New Accounting Standards -                          
                Advertising, Sales and Marketing, Restructuring,                 
                Compensation and Benefits and Recently Adopted                   
                Accounting Standards (Details)                                   
70: R57         Business Combinations - Narrative (Details)         HTML    105K 
71: R58         Business Combinations - Schedule of Purchase        HTML     59K 
                Consideration (Details)                                          
72: R59         Business Combinations - Schedule of Pro-forma       HTML     48K 
                Information (Details)                                            
73: R60         Revenue - Narrative (Details)                       HTML     44K 
74: R61         Revenue - Schedule of Revenues (Details)            HTML     84K 
75: R62         Loans - Schedule of Loan Portfolio (Details)        HTML     86K 
76: R63         Loans - Schedule of Loans Measured at Fair Value    HTML     75K 
                (Details)                                                        
77: R64         Loans - Schedule of Loan Securitizations Accounted  HTML     77K 
                for as Sales and Whole Loan Sales (Details)                      
78: R65         Loans - Narrative (Details)                         HTML     48K 
79: R66         Loans - Schedule of Unpaid Principal Balances of    HTML     78K 
                Transferred Loans and Cash Flows Received                        
                (Details)                                                        
80: R67         Loans - Schedule of Loans by Status (Details)       HTML    136K 
81: R68         Loans - Internal Risk Tier Categories (Details)     HTML     76K 
82: R69         Loans - Risk Categories of Loans by Class of Loans  HTML    113K 
                (Details)                                                        
83: R70         Allowance for Credit Losses - Schedule of Changes   HTML     74K 
                in Allowance for Credit Losses (Details)                         
84: R71         Allowance for Credit Losses - Narrative (Details)   HTML     47K 
85: R72         Investment Securities - Schedule of Investments in  HTML     84K 
                Debt Securities (Details)                                        
86: R73         Investment Securities - Schedule of Investment      HTML     88K 
                Securities in Gross Unrealized Loss Position                     
                (Details)                                                        
87: R74         Investment Securities - Schedule of Investments by  HTML    123K 
                Contractual Maturity (Details)                                   
88: R75         Investment Securities - Narrative (Details)         HTML     46K 
89: R76         Investment Securities - Schedule of Securitization  HTML     51K 
                of Investments (Details)                                         
90: R77         Securitization and Variable Interest Entities       HTML     55K 
                (Details)                                                        
91: R78         Goodwill and Intangible Assets - Schedule of        HTML     69K 
                Goodwill (Details)                                               
92: R79         Goodwill and Intangible Assets - Schedule of        HTML     79K 
                Intangible Assets (Details)                                      
93: R80         Goodwill and Intangible Assets - Narrative          HTML     47K 
                (Details)                                                        
94: R81         Goodwill and Intangible Assets - Schedule of        HTML     58K 
                Estimated Future Amortization Expense Associated                 
                with Intangible Assets (Details)                                 
95: R82         Property, Equipment, Software and Leases -          HTML     84K 
                Schedule of Property, Equipment and Software                     
                (Details)                                                        
96: R83         Property, Equipment, Software and Leases -          HTML     62K 
                Narrative (Details)                                              
97: R84         Property, Equipment, Software and Leases -          HTML     75K 
                Components of Operating and Finance Lease Costs                  
                (Details)                                                        
98: R85         Property, Equipment, Software and Leases -          HTML     65K 
                Supplemental Balance Sheet Information (Details)                 
99: R86         Property, Equipment, Software and Leases -          HTML     82K 
                Schedule of Maturities of Lease Liabilities                      
                (Details)                                                        
100: R87         Other Assets and Other Liabilities - Schedule of    HTML     71K  
                Other Assets (Details)                                           
101: R88         Other Assets and Other Liabilities - Schedule of    HTML     75K  
                Accounts Payable, Accruals and Other Liabilities                 
                (Details)                                                        
102: R89         Deposits - Schedule of Interest-Bearing Deposits    HTML     57K  
                (Details)                                                        
103: R90         Deposits - Schedule of Maturities of Time Deposits  HTML     52K  
                (Details)                                                        
104: R91         Debt - Schedule of Debt (Details)                   HTML    143K  
105: R92         Debt - Narrative (Details)                          HTML    112K  
106: R93         Debt - Maturities of Borrowings (Details)           HTML     70K  
107: R94         Equity - Narrative (Details)                        HTML    146K  
108: R95         Equity - Valuation Inputs for Warrant Liability     HTML     60K  
                (Details)                                                        
109: R96         Equity - Warrant Liability (Details)                HTML     50K  
110: R97         Equity - Common Stock Reserved for Future Issuance  HTML     57K  
                (Details)                                                        
111: R98         Equity - Accumulated Other Comprehensive Income     HTML     69K  
                (Loss) Rollforward (Details)                                     
112: R99         Derivative Financial Instruments - Schedule of      HTML     67K  
                Gains (Losses) Recognized on Derivative                          
                Instruments (Details)                                            
113: R100        Derivative Financial Instruments - Schedule of      HTML     73K  
                Derivative Instruments Subject to Enforceable                    
                Master Netting Arrangements (Details)                            
114: R101        Derivative Financial Instruments - Notional         HTML     57K  
                Amounts of Derivative Contracts Outstanding                      
                (Details)                                                        
115: R102        Fair Value Measurements - Schedule of Assets and    HTML    175K  
                Liabilities Measured on Recurring Basis (Details)                
116: R103        Fair Value Measurements - Schedule of Changes in    HTML    149K  
                Assets and Liabilities Measured at Fair Value on a               
                Recurring Basis (Details)                                        
117: R104        Fair Value Measurements - Narrative (Details)       HTML     56K  
118: R105        Fair Value Measurements - Schedule of Valuation     HTML    133K  
                Inputs and Assumptions (Details)                                 
119: R106        Fair Value Measurements - Schedule of Sensitivity   HTML     65K  
                Analysis for Servicing Rights (Details)                          
120: R107        Fair Value Measurements - Schedule of Safeguarding  HTML     67K  
                Assets and Liabilities (Details)                                 
121: R108        Fair Value Measurements - Schedule of Assets and    HTML     80K  
                Liabilities not Measured at Fair Value (Details)                 
122: R109        Share-Based Compensation - Narrative (Details)      HTML    118K  
123: R110        Share-Based Compensation - Schedule of Share-Based  HTML     61K  
                Compensation Expense (Details)                                   
124: R111        Share-Based Compensation - Summary of Option        HTML     71K  
                Activity (Details)                                               
125: R112        Share-Based Compensation - Schedule of RSU and PSU  HTML     75K  
                Activity (Details)                                               
126: R113        Share-Based Compensation - Summary of Fair Value    HTML     75K  
                Inputs for PSUs (Details)                                        
127: R114        Income Taxes - Schedule of Loss Before Income Tax   HTML     51K  
                (Details)                                                        
128: R115        Income Taxes - Schedule of Income Tax Expense       HTML     67K  
                (Benefit) (Details)                                              
129: R116        Income Taxes - Effective Income Tax Rate            HTML     68K  
                Reconciliation (Details)                                         
130: R117        Income Taxes - Schedule of Unrecognized Tax         HTML     54K  
                Benefits (Details)                                               
131: R118        Income Taxes - Narrative (Details)                  HTML     57K  
132: R119        Income Taxes - Schedule of Significant Components   HTML     75K  
                of Net Deferred Tax Liabilities (Details)                        
133: R120        Income Taxes - Schedule of Deferred Tax Asset       HTML     53K  
                Valuation Allowance (Details)                                    
134: R121        Income Taxes - Schedule of Net Operating Loss       HTML     54K  
                Carryforwards (Details)                                          
135: R122        Commitments, Guarantees, Concentrations and         HTML     79K  
                Contingencies - Narrative (Details)                              
136: R123        Commitments, Guarantees, Concentrations and         HTML     54K  
                Contingencies - Other Commitments (Details)                      
137: R124        Loss Per Share - Schedule of Loss per Share         HTML     85K  
                (Details)                                                        
138: R125        Loss Per Share - Schedule of Anti-Dilutive          HTML     60K  
                Elements (Details)                                               
139: R126        Business Segment and Geographic Information -       HTML     43K  
                Narrative (Details)                                              
140: R127        Business Segment and Geographic Information -       HTML     82K  
                Schedule of Financial Results (Details)                          
141: R128        Business Segment and Geographic Information -       HTML     83K  
                Schedule of Reconciliation of Contribution Profit                
                (Loss) To Loss Before Tax (Details)                              
142: R129        Business Segment and Geographic Information -       HTML     50K  
                Schedule of Revenue from External Customers by                   
                Geographic Areas (Details)                                       
143: R130        Business Segment and Geographic Information -       HTML     55K  
                Schedule of Long-Lived Assets by Geographic Areas                
                (Details)                                                        
144: R131        Regulatory Capital - Schedule of Risk and           HTML     91K  
                Leverage-Based Capital Ratios and Amounts                        
                (Details)                                                        
145: R132        Parent Company Condensed Financial Information -    HTML    169K  
                Condensed Balance Sheets (Details)                               
146: R133        Parent Company Condensed Financial Information -    HTML    108K  
                Condensed Statements of Operations and                           
                Comprehensive Loss (Details)                                     
147: R134        Parent Company Condensed Financial Information -    HTML    103K  
                Condensed Statements of Cash Flows (Details)                     
148: R135        Parent Company Condensed Financial Information -    HTML     61K  
                Narrative (Details)                                              
150: XML         IDEA XML File -- Filing Summary                      XML    294K  
153: XML         XBRL Instance -- sofi-20231231_htm                   XML   7.55M  
149: EXCEL       IDEA Workbook of Financial Report Info              XLSX    420K  
10: EX-101.CAL  XBRL Calculations -- sofi-20231231_cal               XML    513K 
11: EX-101.DEF  XBRL Definitions -- sofi-20231231_def                XML   1.80M 
12: EX-101.LAB  XBRL Labels -- sofi-20231231_lab                     XML   3.85M 
13: EX-101.PRE  XBRL Presentations -- sofi-20231231_pre              XML   2.57M 
 9: EX-101.SCH  XBRL Schema -- sofi-20231231                         XSD    410K 
151: JSON        XBRL Instance as JSON Data -- MetaLinks              958±  1.55M  
152: ZIP         XBRL Zipped Folder -- 0001818874-24-000026-xbrl      Zip   2.81M

‘EX-101.SCH’ — XBRL Schema — sofi-20231231

This Exhibit is an XBRL File.

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<xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>

<xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>

<xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>

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