New York, January 18, 2026, 04:55 EST — Market closed
- SoFi shares closed Friday at $26.13, slipping 1.2%.
- Near the week’s end, an insider ownership filing revealed stakes held by the company’s general counsel.
- Attention turns to Tuesday’s reopening and SoFi’s quarterly report on January 30.
Shares of SoFi Technologies (SOFI.O) slipped 1.2% to close at $26.13 on Friday. Trading volume hit roughly 40.8 million shares as investors prepared for the company’s upcoming earnings release on Jan. 30, the key event on the horizon. 1
U.S. markets were closed Monday for the Martin Luther King Jr. holiday. When trading resumes Tuesday, investors will face a shorter window to adjust before a packed schedule of quarterly earnings kicks off.
Why it matters now: SoFi has turned into a rate-sensitive, highly volatile player in consumer finance. Its shares often swing sharply when investors adjust their outlook on loan growth, credit expenses, and funding. This dynamic faces fresh scrutiny as earnings season progresses.
The broader market has been volatile as investors shift between growth and defensive sectors, awaiting new earnings and signals on interest rates. Bond yield swings usually hit lenders hardest and earliest.
U.S. stocks closed almost unchanged on Friday after a volatile day, while the financial sector fell behind over the week, weighed down by concerns over consumer credit and rate policy direction. “To finish the week around flat … most investors will take that as a win,” said Anthony Saglimbene, chief market strategist at Ameriprise Financial. 2
SoFi provided a minor governance update late last week. A Form 3 filing, which discloses insider holdings for the first time, revealed that General Counsel Robert S. Lavet holds 41,905 shares directly. On top of that, he owns additional shares via trusts and restricted stock units—these units usually vest gradually over time. 3
Earnings remain the key wild card. Investors are keen to see any shifts in personal loan demand, delinquency trends, and whether deposit and funding costs are easing or holding firm amid ongoing rate concerns.
SoFi’s cross-sell strategy is under the microscope — the key question is if the company can expand its financial services lineup without letting credit quality slip.
That said, the situation isn’t one-sided. If credit quality disappoints or funding costs don’t fall as fast as bulls hope, the stock could face headwinds—particularly if bond yields continue their climb and investors seek clearer evidence in the earnings.
SoFi announced it will publish its Q4 and full-year 2025 earnings around 7 a.m. ET on Friday, Jan. 30, with a conference call set for 8 a.m. ET. 4
