Dateline: November 18, 2025
Key takeaways
- Price action: SoFi Technologies (NASDAQ: SOFI) traded lower this morning; around 10:02 a.m. ET shares were near $26.02 (-3.75%), according to Benzinga. [1]
- Options signal: Unusual options activity today showed 18 large trades with a slight bearish tilt, even as calls dominated volume by notional value. [2]
- Macro pressure: Broader U.S. markets hit one‑month lows on valuation/rate‑cut jitters and AI fatigue, weighing on fintechs and growth stocks. [3]
- Company catalysts: Investors continue to digest SoFi’s crypto trading relaunch and its Q3 beat with a 2025 EPS guidance hike—key supports for the longer‑term bull case. [4]
- Context: SOFI notched an all‑time high of $32.73 on Nov. 12, 2025, highlighting recent volatility. [5]
SOFI stock today: Why shares are softer
SOFI slipped in morning trade alongside a broader market selloff. As of about 10:02 a.m. ET, the stock was quoted near $26.02, down 3.75%, with activity picking up in the options pits (details below). The weakness tracks a fresh risk‑off tone across equities as investors reassess lofty valuations and the odds of near‑term Fed easing. [6]
Options market turns cautious
Benzinga flagged 18 unusual options prints in SOFI this morning. While calls (16 trades, ~$1.54M notional) outpaced puts (2 trades, ~$165K), the flow skewed slightly bearish on balance, with notable interest spanning $15–$40 strikes and heavy open interest around near‑dated contracts. Traders also highlighted the next earnings window as a near‑term catalyst. [7]
Macro headwinds are doing the heavy lifting
Today’s risk backdrop matters. Wall Street’s main indexes hit one‑month lows as hopes for a December rate cut faded and leadership narrowed; technicians also flagged the S&P 500’s slip below its 50‑day moving average, a level that can trigger momentum selling. That combination is pressuring higher‑beta names like fintech. [8]
Company drivers in focus
1) Crypto trading relaunch:
Last week, SoFi re‑entered crypto trading, becoming the first U.S. bank to offer retail customers the ability to buy, sell and hold major tokens like Bitcoin, Ethereum and Solana. Management also telegraphed plans to extend access and integrate digital assets more deeply across its platform. The move broadens SoFi’s ecosystem but ties near‑term sentiment to crypto volatility. [9]
2) Momentum from Q3 and guidance:
On Oct. 28, SoFi reported record Q3 revenue and net income and raised its 2025 adjusted EPS outlook to ~$0.37, up from $0.31 previously—both supportive for the fundamental story as the company scales beyond lending into platform and financial‑services fees. [10]
What commentators and analysts are saying today
Two fresh Motley Fool pieces syndicated on Nasdaq this morning kept SoFi in the conversation—one arguing the bull case remains intact after recent results, another asking whether SOFI is a buy before year‑end. While opinionated, they reflect ongoing retail and long‑only interest following the stock’s sharp 2025 rally. [11]
Institutional positioning headline posted today
A MarketBeat summary of a Form 13F showed KBC Group NV trimmed its SOFI stake by ~36% in Q2 (story posted Nov. 18). It’s backward‑looking (through Q2) but still notable context for flows as the stock consolidates below last week’s highs. [12]
Levels and near‑term dates to watch
- Recent peak: SOFI set a record high at $32.73 on Nov. 12, 2025 before pulling back—key resistance on any rebound. [13]
- Earnings timing: Street trackers and options desks are watching for the next report window in late January/early February; option flow today referenced the event as a driver for positioning. [14]
Bottom line
Today’s dip looks more macro than micro. A shaky tape—valuation worries, tighter financial conditions, and profit‑taking in AI‑adjacent growth—has overshadowed SoFi’s company‑specific positives, from the crypto relaunch to raised 2025 guidance. For bulls, those pillars plus continued member and product growth remain the crux of the thesis; for bears, the near‑term setup features rich expectations, elevated volatility, and a cautious options tape. As always, confirm position sizing against volatility and the event calendar. [15]
Disclosure: This article is for information only and is not investment advice. Markets move fast; intraday prices and data points can change.
References
1. www.benzinga.com, 2. www.benzinga.com, 3. www.reuters.com, 4. www.reuters.com, 5. www.tradingview.com, 6. www.benzinga.com, 7. www.benzinga.com, 8. www.reuters.com, 9. www.reuters.com, 10. investors.sofi.com, 11. www.nasdaq.com, 12. www.marketbeat.com, 13. www.tradingview.com, 14. www.benzinga.com, 15. www.reuters.com
