NEW YORK, January 2, 2026, 08:10 ET — Premarket
- SoFi shares were up about 1.7% in premarket trading at $26.62, after ending the prior session at $26.18
- The company set January 30 for fourth-quarter and full-year 2025 results and a conference call
- Next week’s U.S. jobs report and inflation data are key macro catalysts for rate-sensitive fintechs
SoFi Technologies shares rose about 1.7% in premarket trading on Friday to $26.62. The fintech said it will report fourth-quarter and full-year 2025 results on Jan. 30, with a conference call at 8 a.m. ET after posting the release around 7 a.m. ET.
The timing matters because SoFi’s results arrive early in a January calendar packed with economic data and the start of earnings season, events that can swing rate expectations and risk appetite.
SoFi sits at the intersection of consumer lending and digital banking, making its outlook sensitive to the direction of interest rates and credit conditions. Investors tend to focus on whether loan demand holds up and whether borrower performance stays steady.
Premarket trading can be thin and volatile because it happens before the regular U.S. cash session opens at 9:30 a.m. ET. Moves in that window can amplify quickly on headlines.
Broader markets started 2026 on a firmer tone, with S&P 500 futures up 0.6% and Nasdaq futures up 1% in early trading, Reuters reported.
The next big market tests arrive quickly, with the U.S. employment report due Jan. 9 and the consumer price index — a broad gauge of inflation — due Jan. 13, Reuters said. “The market is looking for direction,” said Matthew Maley, chief market strategist at Miller Tabak. Major U.S. banks including JPMorgan are also due to kick off earnings that week. Reuters
For SoFi, shifts in expectations around Federal Reserve policy can ripple through the stock because they influence borrowing costs, loan growth and investor tolerance for high-beta financial names.
The company’s Jan. 30 report will be closely read for loan originations and credit performance — essentially, whether more customers are falling behind on payments — because those trends can move profitability quickly for lenders.
Investors also tend to key in on deposit growth and funding costs at digital banks, which can affect how competitively a lender can price loans and how much it earns on the spread between what it charges and what it pays out.
Competitive read-throughs can matter, too. Traders often group SoFi with other rate-sensitive fintech and consumer-lending names such as LendingClub and Affirm when macro data shifts the outlook for growth and credit.
