NEW YORK, January 29, 2026, 15:47 ET — Regular session
- Shares of SoFi slipped in afternoon trading as investors braced for the company’s quarterly report due Friday
- TipRanks pointed to divided analyst opinions and options trading that suggest a big move after earnings
- Fitch has assigned ratings to the notes issued in SoFi’s newest consumer-loan securitization
SoFi Technologies shares slipped 1.7% to $24.19 in afternoon trading Thursday, erasing an early gain ahead of the fintech lender’s earnings report. The stock fluctuated between $25.12 and $24.06 during the session, with volume surpassing 52 million shares.
SoFi is set to announce its fourth-quarter and full-year 2025 earnings around 7 a.m. Eastern on Friday, with a conference call slated for 8 a.m. Eastern. The early timing means any guidance could shift the stock sharply ahead of the market open. 1
Wall Street expects SoFi to post earnings of $0.12 per share on $977.42 million in revenue, according to TipRanks. Bank of America’s Mihir Bhatia restarted coverage with a sell rating and a $20.50 price target, calling the company’s recent $1.5 billion capital raise a “modest positive.” Barclays analyst Terry Ma bumped his target from $23 to $28 and kept a hold rating, pointing to a “benign credit environment.” TipRanks also noted that options pricing suggests a roughly 8.62% move in either direction following the earnings release—a rough measure of anticipated volatility based on options. 2
Fitch Ratings on Wednesday finalized ratings and outlooks for notes linked to the SoFi Consumer Loan Program 2026-1 Trust, a consumer-loan asset-backed securities deal. The agency reported the initial “hard credit enhancement”—a buffer to shield senior bondholders from losses—ranged between roughly 8.56% and 30.96% of the loan pool. The deal listing reveals a $347.52 million tranche carrying a 4.54% coupon. 3
SoFi’s shift coincided with a sell-off among other consumer-finance stocks: Upstart slipped roughly 5.1%, Affirm dropped 5.9%, LendingClub plunged 15.3%, and Robinhood fell 3.8%.
SoFi, launched in 2011, has developed a digital platform that covers lending and a range of consumer financial products, emphasizing convenience as its main selling point. The firm focuses on being a one-stop shop accessible via phone, rather than relying on physical branches. 4
The setup works both ways. If credit metrics weaken or management grows cautious about 2026 demand, the stock could drop sharply — particularly since options markets are already pricing in a big move.
Funding remains a key concern. Investors want to hear how SoFi intends to juggle growth alongside funding expenses, and if it will keep relying on securitizations and other capital markets strategies as loan volumes expand.
Friday’s report and guidance will be the next key catalyst. The company is also scheduled to hold its Q4 and full-year 2025 earnings call on January 30. 5
