NEW YORK, December 30, 2025, 03:52 ET — Market closed
- SoFi shares last closed down 0.9% at $26.82 in thin year-end trade.
- Growth-linked financial stocks eased as big tech pulled major indexes lower.
- Focus turns to Fed minutes, jobless claims and SoFi’s next earnings window.
SoFi Technologies (SOFI) shares ended the prior session lower as U.S. stocks retreated, with investors trimming exposure to growth-linked names ahead of the New Year.
The move matters because SoFi trades like a high-beta fintech — it tends to swing more than the market when risk appetite shifts, especially when interest-rate expectations are in flux.
With a holiday-shortened week and lighter volumes, small changes in rate and equity futures can translate into outsized moves in momentum stocks, traders said.
SoFi closed at $26.82 on Monday, down 25 cents from the previous close. The stock traded between $26.60 and $27.39, with about 26.0 million shares changing hands.
The stock sits below its recent peak, after trading this year in a 52-week range of $8.60 to $32.73, according to Investing.com data. 1
Wall Street’s main indexes finished lower on Monday as heavyweight technology stocks eased, with the Nasdaq down 0.5% and the S&P 500 off 0.35%. “This is (not) the beginning of the end of the tech dominance, it’ll turn out to be a buying opportunity,” said Hank Smith, director and head of investment strategy at Haverford Trust; investors are also watching for Fed minutes and weekly jobless claims in an otherwise light data week, with U.S. markets closed Thursday for New Year’s Day. 2
Other consumer-fintech names also softened in the latest pricing, with PayPal down about 0.8%, Affirm off about 0.4%, and Upstart down about 1.9%.
SoFi has been navigating investor sensitivity to share supply since early December, when it entered an underwriting agreement tied to an offering of 54.5 million shares priced at $27.50, a regulatory filing showed. 3
Fundamentally, the next big reset for expectations will come with earnings. In its most recent quarterly update, SoFi reported record member growth and raised its 2025 guidance, the company said. 4
Investors will be looking for signs that loan growth and deposits are holding up without a sharp rise in credit losses. A key focus is net interest income — the spread between what the bank earns on loans and what it pays out on deposits — which can shift as rates move.
SoFi has not confirmed the date for its next quarterly release, but Wall Street Horizon lists an unconfirmed estimate of Jan. 26, 2026, before the market open. 5
