NEW YORK, January 4, 2026, 05:28 ET — Market closed
SoFi Technologies, Inc. (SOFI) shares jumped 4.9% on Friday to close at $27.46, after ending 2025 at $26.18. The Nasdaq-listed stock traded between $25.79 and $27.51 and logged about 54.8 million shares in volume, price data show. 1
With U.S. markets closed on Sunday, the move is the latest read on risk appetite for higher-volatility fintech names heading into the first full week of 2026. Traders have been quick to reprice the sector on shifts in interest-rate expectations, which can alter both loan demand and funding costs.
SoFi said it plans to release fourth-quarter and full-year 2025 results at about 7 a.m. ET on Jan. 30, followed by a conference call and webcast at 8 a.m. ET. The schedule sets the next near-term catalyst for a stock that has tended to swing on earnings and guidance. 2
Investors will look for signs that SoFi can keep growing members and deposits while keeping credit losses in check as consumers adjust to still-elevated borrowing costs. Any update to 2026 targets could also shape sentiment after a volatile year-end stretch in the shares.
The bounce in SoFi came as Wall Street opened 2026 on a firmer footing, with small-cap shares also gaining, Reuters reported. “Buy the dip, sell the rip” has been the dominant mindset, said Joe Mazzola, head of trading & derivatives strategist at Charles Schwab. 3
For SoFi, the rates backdrop matters because it runs a bank alongside a large consumer-lending business. Lower rates can support borrowing and refinancing activity, while changes in deposit and funding costs can affect the spread lenders earn on loans.
In its last earnings report in October, SoFi raised its 2025 forecast for adjusted earnings per share — a non-GAAP profit measure that excludes some one-time items — to about 37 cents, above analysts’ expectations, Reuters reported. The company also posted record third-quarter loan originations, the value of new loans made, of $9.9 billion, up 57% from a year earlier, the report said.
SoFi’s stock has also had to absorb equity-supply headlines. The company announced an underwritten public offering of $1.5 billion of common stock in early December, saying it intended to use proceeds for general corporate purposes including enhancing its capital position. 4
The competitive frame remains crowded as fintechs fight for the same digitally native customer. Traders often compare SoFi’s trajectory with peers such as Robinhood Markets and Block on engagement and cross-sell, and with online lenders like LendingClub on credit and loan growth.
Before Monday’s session, investors will also be watching the U.S. jobs report due on Jan. 9, a key data point for the Federal Reserve’s rate path, Reuters said in a weekly markets preview. A Reuters poll cited in the report forecast about 55,000 jobs added in December, a number that could sway rate-cut expectations and broader risk sentiment. 5
Into Jan. 30, traders will focus on loan growth, funding costs and credit performance, including net charge-offs — loans written off as uncollectible. Any commentary on how management expects rates to shape demand and margins in 2026 will be closely parsed.
