NEW YORK, Jan 2, 2026, 12:25 ET — Regular session
- SoFi shares up about 3.7% in midday trading after the company set a Jan. 30 date for quarterly results
- Risk appetite improved across U.S. stocks as 2026 trading kicked off, keeping the rate outlook in focus
- Next catalysts include SoFi’s results and key U.S. jobs and inflation data in January
SoFi Technologies, Inc. shares rose about 3.7% to $27.16 in midday trading on Friday after the fintech lender said it would report fourth-quarter and full-year 2025 results on Jan. 30. The stock has traded between $25.80 and $27.17 during the session. 1
The date matters because SoFi is a rate-sensitive name that tends to trade on growth expectations and signs of stress in consumer credit. The late-January report will be one of the first detailed reads from a consumer-facing lender as investors reset positioning for 2026.
It also lands as traders debate how quickly borrowing costs might fall. Lower rates can support loan demand, while pressuring net interest margin — the spread between what a lender earns on loans and pays for funding.
SoFi said it plans to publish results at about 7 a.m. ET on Jan. 30 and host a conference call at 8 a.m. ET. The announcement did not include preliminary financial figures.
The stock was up about 98 cents from Thursday’s close of $26.18, with roughly 25.5 million shares changing hands so far.
Broader markets provided a tailwind. U.S. stocks opened 2026 higher with large-cap technology leading gains, and “that’s going to be good for all stocks, not just tech stocks,” said Dennis Dick, chief market strategist at Stock Trader Network, pointing to expectations for easier policy later in the year. 2
Fintech trading was mixed. Robinhood Markets was up about 0.8% and Upstart gained about 1.7%, while PayPal fell about 0.5% and Affirm was little changed.
SoFi operates across lending, financial services and a technology platform business, putting it at the intersection of consumer demand, funding costs and market sentiment toward growth stocks.
Investors heading into the Jan. 30 release will focus on loan growth, credit performance and any update on funding costs. Guidance will matter as much as the quarter, particularly on how management expects demand and delinquencies to trend as rates shift.
The macro calendar is heavy before then. Investors are set to parse the U.S. monthly jobs report on Jan. 9 and the consumer price index on Jan. 13 for clues on the Federal Reserve’s path, with the fourth-quarter earnings season also getting underway in January. 3
Traders also flagged near-term chart levels after Friday’s early dip. The $25.80 low is a key support area, while the intraday high near $27.17 is the next upside test if the rally holds.
SoFi’s next scheduled company catalyst is the Jan. 30 earnings release and call. Until then, the stock is likely to track shifts in rate expectations and broader risk appetite across fintech and growth shares.
