New York, January 26, 2026, 12:53 (EST) — Regular session underway
- Shares of SoFi Technologies climbed roughly 0.6% by midday Monday, recovering some ground following early volatility
- Attention turns to SoFi’s Q4 and full-year earnings set for release Friday morning
- The key risk this week is the Federal Reserve’s policy decision set for Wednesday
Shares of SoFi Technologies, Inc. (SOFI) edged up roughly 0.6% to $26.00 by 12:53 p.m. EST Monday, after hitting a session high of $26.39. The stock gained 15 cents from the previous close, with about 19 million shares traded.
The announcement arrives ahead of SoFi’s fourth-quarter and full-year 2025 earnings, set for release Friday before the U.S. market opens. The firm said it will report results around 7 a.m. ET and follow with a conference call at 8 a.m. ET. 1
High-beta stocks are facing a tricky stretch this week. The S&P 500 and Nasdaq climbed on Monday ahead of mega-cap earnings reports and the Fed’s upcoming decision. Even subtle shifts in tone are shaking up sentiment around growth names. “Wednesday’s Fed announcement will likely keep politics in the headlines,” said Chris Larkin at E*Trade from Morgan Stanley. 2
The Fed kicks off its two-day meeting Tuesday, with rates expected to stay put between 3.50% and 3.75%. But doubts about the central bank’s independence are casting a shadow. Policy sits near what officials call “neutral,” and Oxford Economics’ chief U.S. economist Michael Pearce said last week the “near-term outlook is benign.” 3
For SoFi, interest rates are straightforward: they affect the profits on loans and the cost of funding them. Traders focus closely on credit metrics like delinquencies and charge-offs, since even minor changes can sway market views on loan growth.
Peers showed a mixed performance, providing no clear trend across the sector. Affirm slipped roughly 2.6%, whereas Upstart and PayPal edged slightly upward.
That said, SOFI faces risks too. If management signals caution on 2026 demand, highlights increased borrower stress, or warns that funding costs might outpace loan yields, the stock could drop sharply — particularly with investors still glued to when the next rate cut will come.
Coming Wednesday, the Fed will announce its policy decision, followed by Chair Jerome Powell’s press conference. SoFi is set to release its earnings Friday morning. The Fed’s official calendar lists the announcement and press conference for Wednesday afternoon. 4
