NEW YORK, December 30, 2025, 3:01 PM ET — Regular session
- SoFi shares were down less than 0.1% in afternoon trading, holding in a tight range.
- The Fed released minutes from its December meeting at 2:00 p.m. ET, keeping rate expectations in focus.
- Fintech-lender peers were mixed, with Upstart down while Affirm was higher.
SoFi Technologies, Inc. shares were down 0.1% at $26.80 on Tuesday afternoon, after trading between $26.65 and $27.14.
The Federal Reserve released minutes from its Dec. 9–10 meeting at 2:00 p.m. ET, putting fresh attention on how quickly policymakers might cut interest rates again. 1
That matters for SoFi because investors tend to treat the fintech lender as sensitive to shifts in borrowing costs, which can influence consumer demand for loans and a lender’s funding expenses.
Trading across Wall Street was choppy in a holiday-shortened week, with investors rebalancing exposures late in the year. “It absolutely is justified to see repositioning,” said Mark Hackett, chief market strategist at Nationwide. 2
The Fed minutes showed officials were deeply divided over the December quarter-point cut that lowered the benchmark rate to 3.5%–3.75%, with some participants arguing rates should remain unchanged “for some time” after that move. The minutes also flagged a catch-up in key U.S. data, with December jobs and consumer price reports due Jan. 9 and Jan. 13, ahead of the Fed’s next meeting on Jan. 27–28. 3
Fintech-lender peers traded unevenly on Tuesday: Affirm was up 0.9%, while Upstart fell 2.7% and LendingClub slipped 0.6%.
SoFi, which operates a consumer financial app alongside a lending business and a technology platform sold to other financial firms, has drawn investors looking for exposure to digital finance and consumer credit trends. 4
The company’s most recent earnings update came on Oct. 28, when it raised its 2025 profit forecast after record third-quarter results, helped by a jump in fee-based revenue, Reuters reported. 5
Earlier this month, SoFi sold 54.5 million shares at $27.50 apiece in a public offering, saying it planned to use the proceeds for general corporate purposes including enhancing its capital position and funding growth opportunities. 6
With rates now closer to what the Fed describes as a “neutral” level, investors are watching whether SoFi can keep growing without a deterioration in credit, particularly if the labor market cools.
Traders also focus on net interest margin — the spread between what a lender earns on loans and pays on funding such as deposits — as the outlook for policy rates shifts.
The next clear company catalyst is fourth-quarter results. Wall Street Horizon lists an unconfirmed earnings date of Jan. 26, before the market open, keeping attention on calendars rather than company guidance for now. 7
Until then, investors are likely to take their cues from the early-January jobs and inflation reports and the Fed’s late-January meeting, with year-end liquidity still thin and price moves prone to quick reversals.
