NEW YORK, January 1, 2026, 12:00 ET — Market closed.
- SoFi Technologies shares last fell 1.4% to $26.18 in the final session of 2025.
- A late Form 4 filing showed a director received 670 deferred stock units.
- Investors are refocusing on early-January U.S. data and SoFi’s next earnings window.
SoFi Technologies, Inc. shares ended the year on a softer note, closing down 1.4% at $26.18 on Wednesday after trading between $26.08 and $26.90.
The move matters because the first days of a new year often reset positioning, and SoFi’s stock has tended to trade like a rate-sensitive growth name. When investors de-risk, fintech lenders can get hit harder than the broader market.
With U.S. markets shut on Thursday for the New Year’s Day holiday, attention shifts to what reopens trading in 2026: interest-rate expectations, risk appetite and the first wave of economic data prints.
Wall Street ended 2025’s final session lower, with the S&P 500 down 0.74%, the Nasdaq off 0.76% and the Dow down 0.63%, Reuters reported. “It’s perfectly fine in any bull market to have moments of cost,” said Giuseppe Sette, co-founder and president of Reflexivity, pointing to profit-taking when liquidity is thin. Reuters
Fintech names broadly tracked the tape: PayPal fell 1.2%, Robinhood slid 2.1% and Affirm lost 1.8% in the same session.
Company-specific news was light, but a late regulatory filing added a datapoint on insider activity. A Form 4 filed on Dec. 31 showed director William A. Borden received 670 deferred stock units, a type of stock award that generally converts into common shares at a later date.
SoFi, which operates a consumer finance app and a lending business, has also been working to broaden its revenue mix beyond loans. In October, the company raised its 2025 profit forecast after reporting a record quarter, Reuters reported at the time.
That backdrop is why traders tend to lean on macro signals for direction in the stock. If rate-cut expectations firm, lenders and consumer-facing fintechs can benefit; if yields rise or credit worries build, the group often struggles.
Before the next session, investors will be watching Friday’s U.S. releases including initial jobless claims and construction spending, according to the New York Fed’s calendar. The next ISM manufacturing report, a closely watched factory survey, is due Monday, Jan. 5 at 10:00 a.m. ET, ISM said in a release distributed by PR Newswire.
SoFi’s next scheduled catalyst is earnings, but the timing is not yet company-confirmed. Nasdaq lists SoFi’s next earnings date as Jan. 26, 2026 and notes the date is derived from an algorithm rather than a company announcement.
When results arrive, investors will focus on loan growth, credit performance and funding costs, along with traction in the company’s fee-driven businesses. Guidance tone for 2026 will likely matter as much as the quarter itself.
On the charts, traders are treating the $26 area as a near-term pivot after Wednesday’s low, while a move back above $27 would signal a rebound in risk appetite going into the first full week of 2026.
