HOOD vs SOFI

Over the past 90 days, both SoFi and Robinhood have filed zero cyber-related 8-Ks, suggesting neither company has disclosed material cybersecurity incidents to the SEC during this window. Neither firm has reported significant red-flag events, though Robinhood filed one red-flag 8-K related to officer departure while SoFi reported none. The absence of cyber disclosures for both companies is consistent with their operational profiles as financial technology platforms, though the lack of disclosure does not indicate absence of cyber activity or risk management efforts. Robinhood's officer departure warrants closer examination given the company's regulatory scrutiny and operational complexity, as leadership transitions in financial services can signal internal stress or strategic shifts. Investors should consult the $49 Reports on each company to assess the full 12-month pattern of SEC filings, as a 90-day window lacks sufficient context to evaluate underlying governance or operational risk trajectories.