NEW YORK, Jan 8, 2026, 13:53 EST — Regular session
SoFi Technologies (SOFI) shares rose 2.5% to $27.68 in early afternoon trading on Thursday. The stock has ranged from $26.59 to $28.05, with about 35 million shares traded.
The move comes as SoFi heads toward its fourth-quarter and full-year 2025 report, a key checkpoint after a recent stock sale. The company said it plans to post results at about 7 a.m. Eastern on Jan. 30 and host a conference call at 8 a.m. 1
Bank of America analyst Mihir Bhatia resumed coverage this week with an underperform rating — a call that the stock could lag peers — and a $20.50 price target. He described the December capital raise as a “modest positive” that provides “ammunition” for growth, while warning it may sharpen questions about acquisitions and leave limited upside at the current valuation. 2
Barclays analyst Terry Ma raised his price target to $28 from $23 and kept an Equal Weight rating, pointing to a “benign credit environment” that could support loan growth in 2026. Goldman Sachs analyst Michael Ng lowered his target to $24 from $27 and kept Neutral; price targets are typically 12-month estimates. 3
A regulatory filing showed SoFi sold 57,754,660 shares at $27.50 each, including stock tied to an option that allowed banks running the deal to buy additional shares. That puts gross proceeds at roughly $1.59 billion before fees, based on the offer price. 4
The offering price has become a reference point. Shares closed at $26.98 on Tuesday, down 7.86% on about 120 million shares, leaving the stock below $27.50 before Thursday’s rebound. 5
Other consumer-finance names were mixed. LendingClub rose about 6% and Upstart gained about 1.5%, while Affirm fell roughly 0.9%.
There is a simpler risk underneath the ratings chatter: dilution. Selling more shares spreads future profits across a larger base, and any stumble in the Jan. 30 report — or a surprise shift toward dealmaking — could put the stock back on the defensive.
Next up is SoFi’s Jan. 30 results and call, when investors will look for management’s 2026 outlook and clues on how the company plans to deploy the new capital. 6
