NEW YORK, December 30, 2025, 3:01 PM ET — Regular session
- SoFi shares were down less than 0.1% in afternoon trading, holding in a tight range.
- The Fed released minutes from its December meeting at 2:00 p.m. ET, keeping rate expectations in focus.
- Fintech-lender peers were mixed, with Upstart down while Affirm was higher.
SoFi Technologies, Inc. shares were down 0.1% at $26.80 on Tuesday afternoon, after trading between $26.65 and $27.14.
The Federal Reserve released minutes from its Dec. 9–10 meeting at 2:00 p.m. ET, putting fresh attention on how quickly policymakers might cut interest rates again. Federal Reserve
That matters for SoFi because investors tend to treat the fintech lender as sensitive to shifts in borrowing costs, which can influence consumer demand for loans and a lender’s funding expenses.
Trading across Wall Street was choppy in a holiday-shortened week, with investors rebalancing exposures late in the year. “It absolutely is justified to see repositioning,” said Mark Hackett, chief market strategist at Nationwide. Reuters
The Fed minutes showed officials were deeply divided over the December quarter-point cut that lowered the benchmark rate to 3.5%–3.75%, with some participants arguing rates should remain unchanged “for some time” after that move. The minutes also flagged a catch-up in key U.S. data, with December jobs and consumer price reports due Jan. 9 and Jan. 13, ahead of the Fed’s next meeting on Jan. 27–28. Reuters
Fintech-lender peers traded unevenly on Tuesday: Affirm was up 0.9%, while Upstart fell 2.7% and LendingClub slipped 0.6%.
SoFi, which operates a consumer financial app alongside a lending business and a technology platform sold to other financial firms, has drawn investors looking for exposure to digital finance and consumer credit trends. Reuters
The company’s most recent earnings update came on Oct. 28, when it raised its 2025 profit forecast after record third-quarter results, helped by a jump in fee-based revenue, Reuters reported. Reuters
Earlier this month, SoFi sold 54.5 million shares at $27.50 apiece in a public offering, saying it planned to use the proceeds for general corporate purposes including enhancing its capital position and funding growth opportunities. SEC
With rates now closer to what the Fed describes as a “neutral” level, investors are watching whether SoFi can keep growing without a deterioration in credit, particularly if the labor market cools.
Traders also focus on net interest margin — the spread between what a lender earns on loans and pays on funding such as deposits — as the outlook for policy rates shifts.
The next clear company catalyst is fourth-quarter results. Wall Street Horizon lists an unconfirmed earnings date of Jan. 26, before the market open, keeping attention on calendars rather than company guidance for now. Wall Street Horizon
Until then, investors are likely to take their cues from the early-January jobs and inflation reports and the Fed’s late-January meeting, with year-end liquidity still thin and price moves prone to quick reversals.
