NEW YORK, Dec. 27, 2025, 6:15 p.m. ET — Market closed (weekend)
SoFi Technologies, Inc. (NASDAQ: SOFI) heads into the final trading stretch of 2025 with Wall Street’s broader “Santa Claus rally” narrative still in play—but with investors debating whether the fintech’s 2025 run has already priced in much of the good news. The U.S. stock market is closed this weekend, following a quiet, post-holiday Friday session that left major indexes near record territory, even as trading volumes remained light and year-end positioning continued to shape price action. [1]
Where SoFi stock left off before the weekend
SoFi shares ended Friday, Dec. 26 at $27.07, down 1.49% on the day. The session ranged from $27.03 to $27.55 on volume of roughly 24.7 million shares, according to historical pricing data. [2]
That close matters for two reasons investors are still digesting:
- It sits just below the company’s $27.50 public-offering price from earlier this month. SoFi disclosed in an SEC filing that it issued and sold 54,545,454 shares at $27.50 per share, with the offering completed on Dec. 8, and proceeds intended for general corporate purposes including capital positioning and funding growth opportunities. [3]
- It underscores how SoFi has “paused” after a strong year. Several recent commentary pieces point out that the stock’s big move in 2025 has been followed by a flatter period in recent months—an important setup as markets transition into 2026. [4]
The market backdrop: record levels, thin liquidity, and rate-cut focus
SoFi is a growth-tilted financial stock, and in late 2025 the macro conversation is still heavily tied to interest rates and risk appetite. On Friday, major U.S. indexes finished only slightly lower, snapping a five-session rally but still booking weekly gains, according to Reuters. Ryan Detrick, chief market strategist at Carson Group, described the tape as a market “catching our breath” after the holiday rally, adding that the Santa Claus rally window still had time to run. [5]
By the numbers, Friday’s close left the S&P 500 at 6,929.94 and the Nasdaq Composite at 23,593.10, according to a market wrap. [6]
Looking ahead to the final week of the year, Reuters reported the S&P 500 is hovering near major milestones and that investors remain focused on the path of Federal Reserve policy, while year-end portfolio adjustments can amplify moves in a low-volume environment. [7]
For SoFi specifically, that “rates narrative” matters because:
- Lower rate expectations can lift sentiment across consumer finance and fintech stocks (discount rates and growth valuations),
- But the market also tends to scrutinize credit quality and funding dynamics as the cycle evolves.
What’s new in the last 24–48 hours: SoFi headlines are mostly “outlook” and “targets”
Over the past two days, SoFi news flow has been dominated less by fresh company announcements and more by year-end analysis, forecasts, and debate around valuation versus growth.
1) TipRanks: Needham’s Kyle Peterson reiterates Buy, but broader consensus is cautious
A TipRanks roundup published Friday highlights that Needham analyst Kyle Peterson reiterated a Buy rating and set a $36 price target, while adjusting his model for SoFi’s recent share offering. The piece also notes TipRanks’ compilation shows a Hold consensus overall, with an average price target around $27.50—roughly in line with where the stock closed. [8]
2) Motley Fool: “Don’t be surprised” by a 20% drawdown even in a bullish 2026
A Motley Fool analysis published Friday argues that, while SoFi “almost doubled” in 2025, investors should expect volatility—specifically forecasting a 20% decline at some point in 2026 as part of the stock’s historical pattern. The same piece lists a 52-week range of $8.60 to $32.73 and emphasizes crypto as a potential growth catalyst. [9]
3) 24/7 Wall St.: Forecasts skew optimistic, but acknowledge Wall Street’s muted near-term view
A 24/7 Wall St. forecast article published Friday says the Street’s one-year target is roughly $27.38 (close to the current price), while the outlet’s own modeling is more aggressive, projecting $35.70 by year-end 2026. [10]
Separately, another 24/7 Wall St. piece argues the stock “looks like a buy” after the stablecoin launch, noting the company’s 2025 gains and positioning SoFiUSD as a potential differentiator—particularly in commercial and infrastructure use cases. [11]
The “big themes” investors keep circling: dilution, crypto, and SoFiUSD
Even though there wasn’t a major new SoFi press release in the last 48 hours, the market is still processing two December developments that keep showing up in analyst and media narratives:
The December share offering is still the key valuation reference point
SoFi’s SEC filing is explicit: the company sold 54,545,454 shares at $27.50 and stated it would use the proceeds for general corporate purposes including enhancing capital position and funding growth. [12]
That matters because secondary offerings can create an “anchor” price level in the near term, and investors often watch how the stock trades relative to the offering price once the deal is absorbed.
SoFiUSD: a crypto-adjacent product with “bank-grade” positioning
SoFi’s investor-relations announcement on Dec. 18 describes SoFiUSD as a fully reserved U.S. dollar stablecoin issued by SoFi Bank, N.A. The company said reserves are 1:1 by cash for immediate redemption and positioned SoFiUSD as infrastructure that could be used by banks, fintechs, and enterprises for always-on settlement—while also stating broader member availability is expected “soon.” [13]
That stablecoin narrative is a major reason recent “2026 outlook” pieces focus on SoFi’s crypto re-entry and product expansion as potential growth drivers—even if investors remain split on how quickly revenue or adoption could scale. [14]
Analyst targets: why you’ll see “mid-to-high $20s” and “mid-$30s” in the same conversation
SoFi’s analyst picture is unusually wide for a large-cap-ish consumer fintech, and the last 48 hours of commentary reflects that split.
- MarketBeat’s consensus snapshot shows a Hold rating and an average $25.69 target (about -5% versus $27.07), with a wide range from $17 to $38. [15]
- StockAnalysis, using a different aggregation set, lists an average target around $25.61, with a median $27.50 and a high target of $37 (while noting target data was last updated in late November). [16]
- TipRanks’ roundup emphasizes a similar “fully priced” takeaway around $27.50 on average, even while highlighting a more bullish $36 target from Needham’s Kyle Peterson. [17]
How investors often interpret this setup:
- Bulls point to SoFi’s product cadence (including crypto and SoFiUSD) and argue upside targets in the mid-to-high $30s are plausible if growth re-accelerates and margins expand.
- Skeptics focus on valuation, dilution, and the risk that credit normalization or a slower economy limits upside—even if the broader market stays strong.
What investors should know before the next session
Because markets are closed today, the practical question becomes: what could move SoFi stock when Nasdaq reopens Monday?
1) Watch the “thin liquidity” effect through year-end
Reuters has flagged that year-end portfolio adjustments and light trading volume can exaggerate moves—up or down—especially when markets are already near record levels. That can affect individual high-beta names like SOFI more than slower-moving mega-caps. [18]
2) Key macro catalyst next week: Fed minutes on Tuesday
The Federal Reserve’s calendar shows FOMC minutes for the Dec. 9–10 meeting are scheduled for release on Tuesday, Dec. 30 at 2:00 p.m. ET. Rate expectations have been a central driver of late-2025 equity sentiment, so the minutes can influence financials and fintech risk appetite quickly. [19]
3) Final-week schedule: New Year’s Eve is a full session, New Year’s Day is closed
Investors should also keep the holiday calendar in mind:
- U.S. markets trade a full day on Wednesday, Dec. 31,
- And both stock and bond markets are closed Thursday, Jan. 1, 2026 for New Year’s Day. [20]
4) Put the next earnings window on the radar—but note it’s still “estimated”
Several market calendars list SoFi’s next earnings around Monday, Jan. 26, 2026, but those dates are generally estimates until the company formally confirms. [21]
Bottom line for SOFI heading into Monday
SoFi stock goes into Monday’s reopening near $27, at a moment when the broader market is perched near records and investors are increasingly focused on 2026 positioning. [22]
In the last 48 hours, the most prominent SoFi-specific coverage has centered on two competing ideas:
- The bullish case: analysts like Needham’s Kyle Peterson see meaningful upside (e.g., $36) and argue SoFi’s capital move can be EPS-neutral if proceeds reduce funding costs or support asset growth, while product expansion—especially crypto and stablecoin infrastructure—could widen the company’s addressable market. [23]
- The cautionary case: even optimistic outlooks warn that volatility is likely, and consensus targets across major aggregators remain clustered around the mid-$20s, implying the market may want more proof of sustained earnings power before repricing the stock higher. [24]
For investors watching SOFI into the next session, the checklist is clear: monitor Monday’s reopening tone in a low-liquidity week, track Tuesday’s Fed minutes for rate-signaling surprises, and keep an eye on any incremental updates tied to SoFi’s recent capital raise and SoFiUSD rollout as 2026 approaches. [25]
References
1. www.reuters.com, 2. www.investing.com, 3. www.sec.gov, 4. 247wallst.com, 5. www.reuters.com, 6. www.barchart.com, 7. www.reuters.com, 8. www.tipranks.com, 9. www.fool.com, 10. 247wallst.com, 11. 247wallst.com, 12. www.sec.gov, 13. investors.sofi.com, 14. www.fool.com, 15. www.marketbeat.com, 16. stockanalysis.com, 17. www.tipranks.com, 18. www.reuters.com, 19. www.federalreserve.gov, 20. www.investopedia.com, 21. www.marketbeat.com, 22. www.investing.com, 23. www.tipranks.com, 24. www.fool.com, 25. www.federalreserve.gov
