SoFi Technologies, Inc. (NASDAQ: SOFI) ended Friday’s regular session at $27.28, and traded around $27.13 in after-hours as of 6:27 p.m. ET, a modest dip in extended trading after a choppy day for growth names. [1]
Before diving in: there is no U.S. stock market open on Saturday, Dec. 13, 2025. Nasdaq and the NYSE trade Monday through Friday, and are closed on weekends. [2]
So when investors say “before the next open” coming out of Friday’s close, they effectively mean heading into Monday, Dec. 15, 2025—with weekend headlines and Monday’s macro calendar setting the tone.
Below is the full after-hours snapshot, plus the most notable SoFi-related news, forecasts, and analyses published on Dec. 12, 2025, and a practical checklist of what to know before the next session.
SOFI after-hours check: where the stock stood after the bell (Dec. 12, 2025)
Prices and trading levels (Friday):
- Regular close: $27.28 [3]
- After-hours (as of 6:27 p.m. ET): $27.13 [4]
- Day’s range: roughly $26.20 to $27.50 [5]
- Volume: about 54.7M shares [6]
- 52-week range (context):$8.60 to $32.73
What that after-hours move means: a small pullback like this often reflects normal extended-hours dynamics—thinner liquidity, wider spreads, and price discovery reacting to late headlines. With no regular session on Saturday, any meaningful “next move” is more likely to show up in Monday pre-market rather than over the weekend.
Why Friday felt jittery for growth stocks (and why SOFI investors noticed)
SoFi’s tape on Friday didn’t exist in a vacuum. U.S. equities finished lower, with investors rotating away from tech and other growth exposures amid renewed “AI bubble” chatter and rising Treasury yields. Reuters reported that the S&P 500 and Nasdaq fell more than 1%, with pressure linked to AI-related worries and rate sensitivity, while investors looked ahead to key data in the week ahead. [7]
That matters for SoFi because:
- SoFi trades like a high-beta fintech/growth stock in risk-off sessions.
- Rate expectations can influence both consumer credit demand and bank-style valuation frameworks.
The key SoFi headlines and analyses published on Dec. 12, 2025
Friday’s SoFi news flow was less about a single blockbuster corporate press release and more about a stack of analysis pieces and forecasts—many reacting to SoFi’s strong 2025 run, recent capital raise, and product expansion narrative.
1) Zacks / Nasdaq: “SOFI Stock Skyrockets 82% in 6 Months—Buy, Hold or Sell?”
A widely syndicated Zacks-style analysis (carried by Nasdaq and other market aggregators) spotlighted SoFi’s powerful rally over the last six months and framed the question investors keep asking: is the move mostly done, or does the trend have more runway? [8]
Zacks’ published forecast language also points to aggressive expectations for earnings growth—citing strong projected earnings growth in 2025 and 2026 (as presented in its analysis). [9]
Takeaway for Monday: this kind of widely distributed “buy/hold/sell” content can amplify sentiment over a weekend—especially for retail-heavy tickers—because it’s often what investors share and debate before the next session.
2) 24/7 Wall St. forecast: the “$26.97 consensus target” vs. longer-term bullish scenarios
A 24/7 Wall St. forecast piece dated Dec. 12 emphasized a key tension: the one-year Wall Street consensus price target sits around $26.97, while SOFI shares have been trading above that level—meaning the stock is, on average, already “ahead” of what the Street expects over the next year. [10]
The same forecast article laid out its own more bullish path:
- 24/7 Wall St. year-end target:$29.41 [11]
- A longer-horizon scenario projecting $55.30 by 2030 (with a published table of annual targets). [12]
How to read this: it’s not a consensus forecast—it’s that outlet’s model. But it’s still useful as a sentiment marker: a portion of the market remains willing to underwrite a bigger multi-year expansion story, even while the “average” Wall Street target looks more cautious.
3) 24/7 Wall St.: “Will SOFI hit $50 in 2026?”
Another Dec. 12 piece from 24/7 Wall St. tackled the headline number retail investors love: $50. The article’s framing was essentially: possible, but don’t assume it—highlighting volatility and emphasizing that macro shocks can derail high-momentum names. [13]
It also revisited the recent share offering (more on that below), framing it as a two-sided story: dilution risk vs. capital flexibility. [14]
4) MarketBeat: institutional selling headline + a snapshot of ratings/targets
MarketBeat ran a Dec. 12 item on a specific institutional holder trimming shares, but the more notable part for readers is the quick “state of play” it included—such as:
- Recent EPS/revenue beat references,
- A summarized view of analyst stance (MarketBeat framed the average as “Hold” and cited a consensus target around $25.69 in its write-up). [15]
Use this appropriately: single-holder activity is rarely a catalyst by itself, but these articles often spread because they bundle “what analysts think” into one digestible post—again shaping weekend narrative.
5) Consumer/product chatter: SoFi Smart Card and the “5% groceries” buzz
Not all stock-moving narratives are earnings or macro. A Dec. 12 consumer-focused article highlighted SoFi’s planned SoFi Smart Mastercard concept and cited marketing around unlimited 5% back on grocery purchases, tied to a paid SoFi Plus tier. [16]
Separately, market commentary also pointed to sentiment support from the “Smart Card” launch narrative and referenced SoFi’s broader product/partner moves. [17]
Why this matters for SOFI stock: SoFi is consistently valued on member growth and cross-sell. New product hooks—especially ones that can pull in younger users or increase engagement—feed the “platform flywheel” story investors debate.
6) GlobeNewswire market report mention: crypto-powered remittances growth (SoFi listed among companies)
A Dec. 12 GlobeNewswire release about the crypto-powered remittances market projected significant growth (from $22.18B in 2024 to $27.87B in 2025, citing a high CAGR) and mentioned SoFi among the companies in the space. [18]
This is not a SoFi corporate filing and doesn’t equate to a revenue forecast for SoFi specifically—but it contributes to the broader storyline that fintech apps are expanding into crypto-adjacent services.
The “big background” catalyst still hanging over SOFI: the $1.5B share offering
Even though the offering story broke earlier in December, it remains highly relevant because it affects how traders interpret rallies and dips.
In an SEC filing describing the transaction, SoFi disclosed:
- An offering of 54,545,454 shares priced at $27.50 per share
- Completed on Dec. 8, 2025
- With an underwriter option for up to 8,181,818 additional shares
- Proceeds intended for general corporate purposes, including enhancing capital position and funding growth opportunities [19]
This offering is frequently referenced in recent commentary as a reason some investors remain sensitive to dilution—especially after a strong year-to-date run. [20]
Analyst targets and “where expectations sit” heading into the next session
One of the most important “before the next open” questions is whether SOFI is trading above or below the center of analyst expectations.
On that front, widely followed targets cluster around the high-$20s:
- MarketWatch’s analyst estimates page lists an average recommendation of Hold and an average target price around $27.50 (with multiple ratings). [21]
- 24/7 Wall St. cited a one-year consensus target of $26.97 (and noted a minority of “buy” recommendations among the analysts it referenced). [22]
- MarketBeat’s Dec. 12 write-up referenced a consensus target around $25.69 and an average “Hold” stance in its summary. [23]
What to do with this: when a stock trades near or above consensus targets, it doesn’t mean it “must” fall—but it can mean the market requires fresh catalysts (new guidance, accelerating growth, a macro tailwind, or a new narrative) to justify the next leg higher.
What to know “before market open” on Dec. 13, 2025 (and the practical version: before Monday’s open)
First: the calendar reality
- No regular U.S. stock market session occurs on Saturday, Dec. 13, 2025. [24]
- The next time SOFI will trade in a normal, high-liquidity environment is Monday’s regular session, with pre-market trading beforehand.
Second: the macro watchlist is the weekend risk
Reuters flagged that investors were already looking ahead to major labor and inflation data in the week ahead, alongside rate-path debate after the Fed’s move earlier in the week. [25]
For SoFi specifically, keep an eye on:
- Treasury yields: higher yields often pressure growth multiples and rate-sensitive lenders.
- Fed narrative: SoFi is a lender and bank-like business; shifting rate expectations can change the “soft landing vs. credit stress” conversation quickly.
- Risk-on/risk-off sentiment: Friday’s broad pullback matters because fintech often trades with investor appetite for growth.
Third: the company-specific weekend narrative drivers
Going into Monday, the stories most likely to dominate SOFI chatter are:
- “Was the $1.5B offering smart or dilutive?” (capital flexibility vs. dilution) [26]
- “Is SoFi’s product expansion translating into member growth?” (Smart Card buzz; platform strategy) [27]
- “How stretched is the stock vs. targets?” (targets near the high-$20s vs. Friday’s ~$27 handle) [28]
A quick SOFI pre-open checklist for the next trading day
Here’s what traders and longer-term investors typically check before the next session (Monday):
- After-hours direction and liquidity: SOFI around $27.13 after-hours vs. $27.28 close sets a mildly cautious tone, but it’s not decisive. [29]
- Support/resistance context: SOFI’s 52-week high is $32.73 and low is $8.60—useful reference points for how far the stock has already traveled.
- Any weekend headlines on rates, inflation, or bank regulation: macro can overwhelm single-stock narratives quickly. [30]
- Fresh analyst notes: with targets clustered around the high-$20s, upgrades/downgrades can have outsized short-term impact. [31]
- Re-check the dilution story: the share offering terms (price, share count, and use of proceeds) remain central to “bull vs. bear” debate. [32]
Bottom line: what Friday’s after-hours action is really saying
SoFi stock ended Dec. 12 near $27.28, with after-hours trade slightly lower near $27.13—a small move that looks more like positioning than a decisive shift. [33]
The more important takeaway for “before the next open” is that the SOFI conversation heading into next week is being shaped by:
- A risk-off macro backdrop (rates + growth-stock sensitivity), [34]
- Continued digestion of the $1.5B share sale and what that capital enables, [35]
- And a steady flow of Dec. 12 forecasts ranging from cautious (targets near current price) to aggressive multi-year upside scenarios. [36]
References
1. www.google.com, 2. www.fidelity.com, 3. www.google.com, 4. www.google.com, 5. stockanalysis.com, 6. stockanalysis.com, 7. www.reuters.com, 8. www.nasdaq.com, 9. www.zacks.com, 10. 247wallst.com, 11. 247wallst.com, 12. 247wallst.com, 13. 247wallst.com, 14. 247wallst.com, 15. www.marketbeat.com, 16. frequentmiler.com, 17. www.benzinga.com, 18. www.globenewswire.com, 19. www.sec.gov, 20. www.investopedia.com, 21. www.marketwatch.com, 22. 247wallst.com, 23. www.marketbeat.com, 24. www.fidelity.com, 25. www.reuters.com, 26. www.sec.gov, 27. frequentmiler.com, 28. www.marketwatch.com, 29. www.google.com, 30. www.reuters.com, 31. www.marketwatch.com, 32. www.sec.gov, 33. www.google.com, 34. www.reuters.com, 35. www.sec.gov, 36. 247wallst.com
