SoFi Technologies, Inc. (NASDAQ: SOFI) ended Tuesday, December 23, 2025, in a holding pattern — and the after-hours tape didn’t add much drama.
SOFI closed the regular session at $27.19, and after-hours trading was essentially flat in the early evening, with modest extended-hours volume. 1
That “quiet” after-hours snapshot matters because Wednesday’s session (December 24) comes with two important wrinkles: thin holiday liquidity and a 1:00 p.m. ET early close for U.S. equities — meaning price moves can look bigger than they really are, and there’s less time for the market to “digest” any surprises. 2
Below is the full after-hours update and the key news, forecasts, and analyses investors were watching on December 23 — plus a practical checklist for what to monitor before Wednesday’s opening bell.
SOFI after-hours check: basically unchanged after Tuesday’s close
By early evening on December 23, MarketWatch showed SOFI at $27.19 in after-hours trading, essentially unchanged from the close, with after-hours volume around 326K shares (delayed quote). 3
In the regular session, SOFI’s open/high/low/close was roughly:
- Open: $27.07
- High: $27.34
- Low: $26.83
- Close: $27.19 4
That range matters for Wednesday because, in holiday trading, the prior day’s high/low often becomes the “map” traders use for quick support/resistance decisions—especially in a stock like SoFi that can move fast on sentiment.
The main “today” headline: an insider sale (and why the details matter)
The most prominent stock-specific headline circulating on December 23 was an insider transaction.
Multiple outlets reported that SoFi EVP Kelli Keough sold 9,468 shares on December 23 at a weighted average price of about $27.1386 (about $256,948 in value), with prices reported in a range from $26.84 to $27.32. 5
Two details investors tend to focus on in insider-sale stories:
- Remaining ownership: reports indicated Keough still held 312,948 shares after the sale. 5
- Trading plan: the sale was reported as executed under a Rule 10b5-1 plan adopted July 30, 2025, which typically signals the sale was pre-scheduled rather than a spontaneous “signal” about near-term fundamentals. 5
In practical terms: insider sales can pressure sentiment for a session or two, but 10b5-1 context often dampens the bearish read-through, especially when the sale size is small relative to remaining holdings.
The bigger narrative still driving SOFI: crypto expansion + recent dilution debate
Even though the after-hours action on December 23 was calm, SoFi is still trading inside two larger storylines that have shaped December’s tape.
1) SoFiUSD stablecoin: the December catalyst investors are still pricing
SoFi’s investor relations site details the company’s Dec. 18, 2025 announcement of SoFiUSD, described as a fully reserved U.S. dollar stablecoin issued by SoFi Bank, N.A. The company positioned the product as stablecoin infrastructure for banks/fintechs/enterprise partners, with near-instant settlement and “fractional-cent pricing” on a public blockchain, and said it would be available to SoFi members “soon.” 6
SoFi’s announcement also emphasized regulatory positioning — noting issuance by SoFi Bank (an OCC-regulated insured depository institution) and that SoFiUSD is fully reserved 1:1 by cash for redemption. 6
Market coverage around the launch framed it as a meaningful “crypto push,” with reports that SoFi shares rose notably on the announcement day. 7
2) The $1.5B stock offering (priced at $27.50): a psychological anchor near today’s price
Earlier in December, SoFi announced a $1.5 billion common stock offering for general corporate purposes, including strengthening capital position and funding growth opportunities. 8
SoFi later announced the offering was priced at $27.50 per share, for 54,545,454 shares, with an underwriters’ option for additional shares, and expected closing on December 8 (subject to conditions). 9
Why this still matters on Dec. 23 and into Dec. 24: with SOFI closing at $27.19, the stock is trading just below that $27.50 offering price — a level many investors treat as a near-term reference point for sentiment (“back above the deal price” vs. “stuck under it”). 9
Analyst forecasts and “where Wall Street stands” heading into Wednesday
SoFi remains a stock with divided opinions, and December 23 brought fresh distribution of that debate rather than a single new catalyst.
MarketBeat’s snapshot on December 23 characterized the consensus as “Hold,” with an average price target of $25.69, and a mix of ratings across buy/hold/sell buckets. 10
TipRanks’ December 23 analysis comparing SoFi vs. Robinhood highlighted the valuation debate and referenced a notably bearish stance from Morgan Stanley analyst Jeffrey Adelson, who reiterated a Sell rating with an $18 price target, arguing SoFi may struggle to sustain very high revenue growth rates if credit conditions weaken. 11
How to interpret this before the Dec. 24 open:
- At ~$27, SoFi is trading in a zone where some aggregators show the stock above average targets, while other analysts remain focused on valuation and credit-cycle risks. 10
- That split often translates into higher sensitivity to macro data (rates, jobs, credit) and headline-driven volatility (crypto/regulation updates, lending commentary).
Macro backdrop into Dec. 24: strong growth data, weaker confidence — and why SOFI traders care
SoFi is a consumer-facing lender/bank/fintech platform, so markets often treat it as rate- and credit-sensitive.
On the macro side, December 23 featured major U.S. data points and coverage that shaped risk appetite:
- Reuters reported U.S. consumer confidence fell to 89.1 in December (Conference Board data), missing expectations and reflecting concerns about jobs and income. 12
- Coverage of the broader market highlighted a strong Q3 GDP growth reading (4.3%), which helped support equities even as investors debated what it means for the rate path. 13
For SOFI specifically, traders usually connect these dots as follows:
- Stronger growth can support loan demand and risk appetite.
- Weaker confidence / job worries can raise questions about future credit performance.
- Rate expectations can affect funding costs, net interest dynamics, and valuation multiples for fast-growing financials.
What to watch before the market opens Wednesday, Dec. 24, 2025
Here’s the actionable pre-open checklist for SoFi stock watchers.
1) Remember: Dec. 24 is a shortened session
U.S. equities are scheduled for an early close at 1:00 p.m. ET on Wednesday, December 24, 2025. Nasdaq+2New York Stock Exchange+2
Bond markets are also expected to close early (commonly 2:00 p.m. ET) in the holiday week. 14
Why it matters: thin liquidity can amplify moves in either direction, and intraday reversals can be sharper when fewer participants are active.
2) Watch 8:30 a.m. ET: initial jobless claims
MarketWatch’s calendar flags Initial Jobless Claims scheduled for 8:30 a.m. ET on Dec. 24. MarketWatch+1
Investopedia’s “week ahead” preview also highlights jobless claims as the key release for the shortened session. 14
Why it matters for SOFI: employment trends feed directly into consumer credit expectations — and can move yields, which can move financial stocks.
3) Track SOFI’s key reference levels from Tuesday’s range
Going into Wednesday, short-term traders commonly key off:
- $26.83 (Tuesday low)
- $27.34 (Tuesday high) 4
- $27.50 (recent offering price, a widely watched reference point) 9
4) Headline risk: crypto and regulation chatter can move “fintech + crypto” names fast
SoFi’s stablecoin initiative and broader crypto ambitions have become part of the stock’s narrative again, and that can increase sensitivity to:
- stablecoin regulatory headlines,
- broader crypto market sentiment,
- competitor announcements in payments/settlement. 6
Bottom line for SOFI heading into the Dec. 24 open
SoFi stock finished December 23 with no major after-hours surprise: shares were flat around $27.19 after the bell, suggesting investors largely digested the day’s limited fresh company-specific news. 3
But the setup for Wednesday is still important:
- Today’s headline flow centered on a 10b5-1 insider sale (often less signal-heavy than discretionary selling), alongside continued debate over SoFi’s valuation and growth durability. 5
- December’s bigger catalysts — the SoFiUSD stablecoin launch and the $1.5B offering priced at $27.50 — continue to frame positioning around the $27 area. 6
- Tomorrow’s session is shortened and likely liquidity-thin, with jobless claims at 8:30 a.m. ET as the main scheduled macro catalyst before the open. 2
This article is for informational purposes only and does not constitute investment advice.
