New York, January 5, 2026, 12:55 (EST) — Regular session
- SoFi shares were up about 7.5% in early afternoon trading, near $29.53.
- Options tracker TheFly flagged call volume about three times normal; put/call ratio stood at 0.31.
- Investors are gearing up for SoFi’s Jan. 30 quarterly report and conference call.
SoFi Technologies Inc (SOFI.O) shares rose about 7.5% on Monday to $29.53, after trading between $27.52 and $29.84 earlier in the session. About 44.9 million shares had changed hands by early afternoon.
The move matters now because SoFi has become a high-volatility barometer for risk appetite in consumer finance and fintech. Options trading can amplify that, especially when investors are positioning for a catalyst.
That catalyst is SoFi’s next earnings report, when investors will look for a clean read on loan demand, credit quality and the cost of funding. They will also watch whether the company continues to expand beyond lending into fee-based revenue streams.
Options news service TheFly said 104,387 call contracts had traded — about three times expected volume — while implied volatility, which reflects how large traders expect price swings to be, rose to 64.69%. The put/call ratio was 0.31, signalling heavier demand for calls — contracts that give the right to buy shares at a set price — with the Jan. 9 weekly $29 and $28 calls among the most active.
SoFi’s strength came alongside gains in other fintech and consumer-lending names. Robinhood Markets rose about 6.2%, Affirm climbed 8.9% and Upstart gained 9.9%.
SoFi said it plans to publish fourth-quarter and full-year 2025 results at about 7 a.m. ET on Friday, Jan. 30, followed by a conference call at 8 a.m. ET. In the same announcement, the company said it has more than 12.6 million members and that its Galileo technology platform supports nearly 160 million global accounts.
The company spans consumer lending, a technology platform and a financial-services segment that includes banking and investing tools. It has marketed itself as a one-stop digital finance app for borrowing, saving, spending and investing.
From a chart perspective, traders are watching whether the stock can hold above the round $30 level and push back toward its 52-week high of $32.73. The 52-week low stands at $8.60, underscoring how sharp swings can be in the name.
But momentum cuts both ways. If SoFi’s results or outlook fall short — or if credit trends deteriorate — the stock could give back gains quickly as near-dated options positions unwind.
Next up is the Jan. 30 report and conference call, when investors will scrutinize management’s tone on 2026 demand and credit conditions. The heavy activity in short-dated contracts, including Jan. 9 weeklies, may keep the stock sensitive to rapid shifts in sentiment before then.
