NEW YORK, December 28, 2025, 21:31 ET — Market closed
- SoFi shares last closed down about 1.5% in a thin, post-Christmas session.
- Investors are shifting attention to U.S. housing data and Federal Reserve minutes due this week.
- The fintech’s recent equity raise and crypto push remain on the watchlist into year-end.
SoFi Technologies, Inc. shares fell 1.5% in the latest U.S. session, ending at $27.07 on Friday as year-end trading volumes stayed light. [1]
The move matters now because the final trading days of the year can exaggerate swings in growth and fintech names, just as investors brace for fresh signals on interest rates and the economy. [2]
Wall Street’s major indexes slipped slightly on Friday in a quiet, post-Christmas session, extending a holiday-thinned stretch that has left stock-specific catalysts in sharper focus. [3]
SoFi, an online lender and bank, is sensitive to shifts in rate expectations that can change borrowing demand and the cost of funding loans with deposits. The company’s shares traded between $27.03 and $27.55 on Friday, and volume was about 24.5 million shares. [4]
Investors have also been weighing SoFi’s recent capital raise. The company said on Dec. 4 it priced an underwritten public offering of 54,545,454 shares at $27.50 per share, for gross proceeds of about $1.5 billion. [5]
SoFi said it planned to use the net proceeds for general corporate purposes, including enhancing its capital position and funding growth opportunities. [6]
More recently, SoFi has been pushing into blockchain-based payments infrastructure. The company said on Dec. 18 it launched SoFiUSD, a U.S. dollar stablecoin issued by SoFi Bank, and said it was the first national bank to issue a stablecoin on a public, permissionless blockchain. [7]
A stablecoin is a crypto token designed to track a stable asset — typically the U.S. dollar — and is meant to reduce the big price swings seen in bitcoin and other coins. SoFi said SoFiUSD is fully reserved 1:1 by cash and is intended to support faster, around-the-clock settlement for partners. [8]
“Blockchain is a technology super cycle that will fundamentally change finance, not just in payments, but across every area of money,” CEO Anthony Noto said in the announcement. [9]
SoFi’s move comes as other payments and financial-services firms test stablecoin settlement; Visa and Fiserv have also rolled out stablecoin-related products, Barron’s reported. [10]
Before the next session, traders will look for macro data that can move rate expectations and consumer-credit outlooks. The National Association of Realtors is scheduled to release its pending home sales index for November on Monday at 10 a.m. Eastern. [11]
The Federal Reserve is scheduled to publish minutes from its December policy meeting at 2 p.m. ET on Tuesday — a detailed record of the central bank’s discussion that investors often comb for clues on the path of rates. [12]
The December meeting ended with the Fed lowering the target range for the federal funds rate by a quarter point to 3.5%–3.75%, according to the central bank’s statement at the time. [13]
On the company side, SoFi has not announced a date for its next quarterly results; some earnings calendars are penciling in late January as an estimate. [14]
When SoFi last reported in October, it raised its full-year 2025 profit forecast after a record quarter, Reuters reported. Investors will be watching next for updates on loan growth, credit performance and funding costs following the recent equity raise. [15]
Technically, Friday’s close left the stock sitting just above $27, with the day’s low near $27.03 likely to draw attention if the shares weaken when trading resumes. The stock’s 52-week range is $6.01 to $34.25, according to market data. [16]
References
1. stockanalysis.com, 2. www.reuters.com, 3. www.reuters.com, 4. stockanalysis.com, 5. investors.sofi.com, 6. investors.sofi.com, 7. investors.sofi.com, 8. investors.sofi.com, 9. investors.sofi.com, 10. www.barrons.com, 11. www.nar.realtor, 12. www.federalreserve.gov, 13. www.federalreserve.gov, 14. www.zacks.com, 15. www.reuters.com, 16. stockanalysis.com
