NEW YORK, January 1, 2026, 06:03 ET — Market closed
- SoFi shares last closed down 1.4% at $26.18 in the year’s final U.S. session.
- U.S. stock markets are closed Thursday for New Year’s Day, with trading set to resume Friday.
- Investors are watching early-January data and the next earnings window for fresh catalysts.
SoFi Technologies’ shares last closed down 1.4% at $26.18 on Dec. 31, ending the year on a softer note in the final U.S. trading session. 1
That matters now because markets are shut on Thursday, leaving investors to reset positions for 2026 without a fresh price signal until the reopening. In thin holiday conditions, small shifts in sentiment can translate into bigger moves for momentum-driven names.
SoFi has traded like a higher-beta stock — meaning it often swings more than the broader market — as investors have treated the fintech lender as a proxy for risk appetite and interest-rate expectations.
Wall Street’s major indexes finished the year lower in the final session, with holiday-thinned liquidity amplifying price moves, Reuters reported. “I do not expect that the last few days will have so much bearing on the performance of the next year,” said Giuseppe Sette, co-founder and president of Reflexivity. 2
SoFi traded between $26.08 and $26.90 in the session, and was off its $26.64 open by the close, according to market data.
A Form 4 filing showed director William A. Borden elected to defer part of his compensation into 670 deferred stock units, or DSUs — an equity award that tracks the value of a share and is paid out later under a company plan. 3
Moves in consumer-focused fintechs have also tracked broader risk-on and risk-off pulses, with investors weighing the outlook for credit demand, loan losses and funding costs as rate expectations reset into the new year.
For SoFi, the rate backdrop is central because it earns interest on loans while paying interest on funding such as deposits and other borrowing. That spread — often described as net interest margin, the gap between what a lender earns and what it pays — can widen or narrow as rates and competition shift.
Before the next session, investors will parse U.S. labor and growth signals for clues on the rate path, including weekly jobless claims and other scheduled releases, with the monthly jobs report due Jan. 9. 4
The next big company-specific catalyst is earnings. Wall Street Horizon lists SoFi’s next report as an unconfirmed Jan. 26 date, based on historical reporting patterns, with investors expected to focus on loan growth, deposit trends, credit performance and any update to guidance. 5
