NEW YORK, January 3, 2026, 06:50 ET — Market closed
SoFi Technologies, Inc. shares ended Friday up 4.9% at $27.46, a strong start to 2026 for the fintech lender. U.S. markets are closed on Saturday.
The move puts attention on what comes next: a late-January earnings update and a macro calendar that can move rate-sensitive financial stocks quickly. SoFi’s shares often react to shifts in interest-rate expectations because the company makes consumer loans and funds part of its business through deposits.
Next week’s U.S. employment report on Jan. 9 and consumer price index data on Jan. 13 are likely to shape bets on Federal Reserve rate cuts. Fed funds futures — contracts that reflect market expectations for the policy rate — imply little chance of a cut at the late-January meeting but about a 50% probability of a quarter-point reduction in March, Reuters reported.
SoFi said it will release fourth-quarter and full-year 2025 results on its investor relations website at about 7 a.m. ET on Jan. 30, ahead of an 8 a.m. conference call. The company said it has over 12.6 million members, while its Galileo technology platform supports nearly 160 million global accounts.
Wall Street ended mixed on Friday, with the Dow and S&P 500 closing higher while the Nasdaq Composite was little changed, according to Reuters. Joe Mazzola, head of trading and derivatives strategy at Charles Schwab, described the session’s tone as a “buy the dip, sell the rip” market. Reuters
SoFi’s gain roughly matched Upstart’s 4.8% rise, while LendingClub added about 1% and Affirm slipped about 0.5%.
The late-January results call will give investors the next read on loan growth and credit performance — how well borrowers keep up with payments. Traders will be alert to any shift in delinquencies and loss provisions as the year opens.
SoFi’s funding costs and deposit trends at SoFi Bank are another focus. Lower rates can help margins over time, but weaker employment data can also raise worries about consumer defaults.
The company’s technology platform, which sells payments and banking infrastructure to other firms, will be watched for signs that non-lending revenue can keep pace. Investors have tended to favor fintechs that can broaden fee income without relying solely on balance-sheet growth.
Before the next session on Monday, investors will watch whether the early-year bid for higher-risk stocks holds after Friday’s uneven index close. Treasury yields and shifting expectations for Fed policy remain a key driver for consumer lenders’ valuations.
On Friday, SoFi traded between $25.80 and $27.51 and changed hands about 55 million shares, according to trade data. Those levels are likely to act as early markers for traders when markets reopen.
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