SoFi Technologies, Inc. (NASDAQ: SOFI) ended Tuesday, December 23, 2025, in a holding pattern — and the after-hours tape didn’t add much drama.
SOFI closed the regular session at $27.19, and after-hours trading was essentially flat in the early evening, with modest extended-hours volume. [1]
That “quiet” after-hours snapshot matters because Wednesday’s session (December 24) comes with two important wrinkles: thin holiday liquidity and a 1:00 p.m. ET early close for U.S. equities — meaning price moves can look bigger than they really are, and there’s less time for the market to “digest” any surprises. [2]
Below is the full after-hours update and the key news, forecasts, and analyses investors were watching on December 23 — plus a practical checklist for what to monitor before Wednesday’s opening bell.
SOFI after-hours check: basically unchanged after Tuesday’s close
By early evening on December 23, MarketWatch showed SOFI at $27.19 in after-hours trading, essentially unchanged from the close, with after-hours volume around 326K shares (delayed quote). [3]
In the regular session, SOFI’s open/high/low/close was roughly:
- Open: $27.07
- High: $27.34
- Low: $26.83
- Close: $27.19 [4]
That range matters for Wednesday because, in holiday trading, the prior day’s high/low often becomes the “map” traders use for quick support/resistance decisions—especially in a stock like SoFi that can move fast on sentiment.
The main “today” headline: an insider sale (and why the details matter)
The most prominent stock-specific headline circulating on December 23 was an insider transaction.
Multiple outlets reported that SoFi EVP Kelli Keough sold 9,468 shares on December 23 at a weighted average price of about $27.1386 (about $256,948 in value), with prices reported in a range from $26.84 to $27.32. [5]
Two details investors tend to focus on in insider-sale stories:
- Remaining ownership: reports indicated Keough still held 312,948 shares after the sale. [6]
- Trading plan: the sale was reported as executed under a Rule 10b5-1 plan adopted July 30, 2025, which typically signals the sale was pre-scheduled rather than a spontaneous “signal” about near-term fundamentals. [7]
In practical terms: insider sales can pressure sentiment for a session or two, but 10b5-1 context often dampens the bearish read-through, especially when the sale size is small relative to remaining holdings.
The bigger narrative still driving SOFI: crypto expansion + recent dilution debate
Even though the after-hours action on December 23 was calm, SoFi is still trading inside two larger storylines that have shaped December’s tape.
1) SoFiUSD stablecoin: the December catalyst investors are still pricing
SoFi’s investor relations site details the company’s Dec. 18, 2025 announcement of SoFiUSD, described as a fully reserved U.S. dollar stablecoin issued by SoFi Bank, N.A. The company positioned the product as stablecoin infrastructure for banks/fintechs/enterprise partners, with near-instant settlement and “fractional-cent pricing” on a public blockchain, and said it would be available to SoFi members “soon.” [8]
SoFi’s announcement also emphasized regulatory positioning — noting issuance by SoFi Bank (an OCC-regulated insured depository institution) and that SoFiUSD is fully reserved 1:1 by cash for redemption. [9]
Market coverage around the launch framed it as a meaningful “crypto push,” with reports that SoFi shares rose notably on the announcement day. [10]
2) The $1.5B stock offering (priced at $27.50): a psychological anchor near today’s price
Earlier in December, SoFi announced a $1.5 billion common stock offering for general corporate purposes, including strengthening capital position and funding growth opportunities. [11]
SoFi later announced the offering was priced at $27.50 per share, for 54,545,454 shares, with an underwriters’ option for additional shares, and expected closing on December 8 (subject to conditions). [12]
Why this still matters on Dec. 23 and into Dec. 24: with SOFI closing at $27.19, the stock is trading just below that $27.50 offering price — a level many investors treat as a near-term reference point for sentiment (“back above the deal price” vs. “stuck under it”). [13]
Analyst forecasts and “where Wall Street stands” heading into Wednesday
SoFi remains a stock with divided opinions, and December 23 brought fresh distribution of that debate rather than a single new catalyst.
MarketBeat’s snapshot on December 23 characterized the consensus as “Hold,” with an average price target of $25.69, and a mix of ratings across buy/hold/sell buckets. [14]
TipRanks’ December 23 analysis comparing SoFi vs. Robinhood highlighted the valuation debate and referenced a notably bearish stance from Morgan Stanley analyst Jeffrey Adelson, who reiterated a Sell rating with an $18 price target, arguing SoFi may struggle to sustain very high revenue growth rates if credit conditions weaken. [15]
How to interpret this before the Dec. 24 open:
- At ~$27, SoFi is trading in a zone where some aggregators show the stock above average targets, while other analysts remain focused on valuation and credit-cycle risks. [16]
- That split often translates into higher sensitivity to macro data (rates, jobs, credit) and headline-driven volatility (crypto/regulation updates, lending commentary).
Macro backdrop into Dec. 24: strong growth data, weaker confidence — and why SOFI traders care
SoFi is a consumer-facing lender/bank/fintech platform, so markets often treat it as rate- and credit-sensitive.
On the macro side, December 23 featured major U.S. data points and coverage that shaped risk appetite:
- Reuters reported U.S. consumer confidence fell to 89.1 in December (Conference Board data), missing expectations and reflecting concerns about jobs and income. [17]
- Coverage of the broader market highlighted a strong Q3 GDP growth reading (4.3%), which helped support equities even as investors debated what it means for the rate path. [18]
For SOFI specifically, traders usually connect these dots as follows:
- Stronger growth can support loan demand and risk appetite.
- Weaker confidence / job worries can raise questions about future credit performance.
- Rate expectations can affect funding costs, net interest dynamics, and valuation multiples for fast-growing financials.
What to watch before the market opens Wednesday, Dec. 24, 2025
Here’s the actionable pre-open checklist for SoFi stock watchers.
1) Remember: Dec. 24 is a shortened session
U.S. equities are scheduled for an early close at 1:00 p.m. ET on Wednesday, December 24, 2025. [19]
Bond markets are also expected to close early (commonly 2:00 p.m. ET) in the holiday week. [20]
Why it matters: thin liquidity can amplify moves in either direction, and intraday reversals can be sharper when fewer participants are active.
2) Watch 8:30 a.m. ET: initial jobless claims
MarketWatch’s calendar flags Initial Jobless Claims scheduled for 8:30 a.m. ET on Dec. 24. [21]
Investopedia’s “week ahead” preview also highlights jobless claims as the key release for the shortened session. [22]
Why it matters for SOFI: employment trends feed directly into consumer credit expectations — and can move yields, which can move financial stocks.
3) Track SOFI’s key reference levels from Tuesday’s range
Going into Wednesday, short-term traders commonly key off:
- $26.83 (Tuesday low)
- $27.34 (Tuesday high) [23]
- $27.50 (recent offering price, a widely watched reference point) [24]
4) Headline risk: crypto and regulation chatter can move “fintech + crypto” names fast
SoFi’s stablecoin initiative and broader crypto ambitions have become part of the stock’s narrative again, and that can increase sensitivity to:
- stablecoin regulatory headlines,
- broader crypto market sentiment,
- competitor announcements in payments/settlement. [25]
Bottom line for SOFI heading into the Dec. 24 open
SoFi stock finished December 23 with no major after-hours surprise: shares were flat around $27.19 after the bell, suggesting investors largely digested the day’s limited fresh company-specific news. [26]
But the setup for Wednesday is still important:
- Today’s headline flow centered on a 10b5-1 insider sale (often less signal-heavy than discretionary selling), alongside continued debate over SoFi’s valuation and growth durability. [27]
- December’s bigger catalysts — the SoFiUSD stablecoin launch and the $1.5B offering priced at $27.50 — continue to frame positioning around the $27 area. [28]
- Tomorrow’s session is shortened and likely liquidity-thin, with jobless claims at 8:30 a.m. ET as the main scheduled macro catalyst before the open. [29]
This article is for informational purposes only and does not constitute investment advice.
References
1. investors.sofi.com, 2. www.nasdaq.com, 3. www.marketwatch.com, 4. finance.yahoo.com, 5. www.investing.com, 6. www.investing.com, 7. www.investing.com, 8. investors.sofi.com, 9. investors.sofi.com, 10. www.barrons.com, 11. investors.sofi.com, 12. investors.sofi.com, 13. investors.sofi.com, 14. www.marketbeat.com, 15. www.tipranks.com, 16. www.marketbeat.com, 17. www.reuters.com, 18. www.wsj.com, 19. www.nasdaq.com, 20. www.investopedia.com, 21. www.marketwatch.com, 22. www.investopedia.com, 23. finance.yahoo.com, 24. investors.sofi.com, 25. investors.sofi.com, 26. www.marketwatch.com, 27. www.investing.com, 28. investors.sofi.com, 29. www.nasdaq.com
