SoFi Technologies, Inc. (NASDAQ: SOFI) ended the holiday-shortened Christmas Eve session higher and then edged slightly lower in early after-hours trading. With markets closed on Christmas Day (Thursday, Dec. 25), investors won’t get a “tomorrow morning” opening bell—the next full U.S. equity session is Friday, Dec. 26, 2025. Barron’s+2Nasdaq+2
That timing matters for SOFI holders: thin liquidity around holidays can exaggerate price moves, while the next real catalyst is typically the return of normal volumes and institutional participation after Christmas.
SOFI stock price today: where shares closed and where they traded after hours
- Close (early close day): SOFI finished Dec. 24 at $27.48, up about 1.07% on the session.
- After hours (early read): In early after-hours trading, shares were quoted around $27.43.
- Intraday range: SOFI moved between roughly $27.03 and $27.54 during the session.
Because Dec. 24 is an early-close day (both NYSE and Nasdaq), “after the bell” comes sooner than usual. U.S. stock markets closed at 1:00 p.m. ET on Christmas Eve and remain closed on Dec. 25, reopening Dec. 26. Barron’s+2Nasdaq+2
The market backdrop: why the holiday tape can be misleading
U.S. equities generally drifted higher on the holiday-shortened session, with major indexes finishing up on light trading volume, a common pattern heading into Christmas.
For SOFI specifically, that backdrop matters because the stock has been sensitive to:
- “risk-on” sentiment in growth and fintech,
- rate expectations (which impact loan demand and funding economics),
- and trading activity/retail participation (which often thins out into holidays).
What made headlines for SoFi today
Even without a major company earnings release on Dec. 24, a few stock-moving “tape items” circulated today that are worth understanding before the next session.
1) Insider trading filing: EVP Kelli Keough sale (Form 4)
A newly posted SEC Form 4 shows Kelli Keough (EVP) sold 9,468 shares at a weighted average price of $27.1386 (sales executed across a $26.84 to $27.32 range). The filing states the trade was made under a Rule 10b5-1 trading plan adopted July 30, 2025.
How investors typically read this:
- A 10b5-1 plan can reduce the signaling value because it’s pre-scheduled.
- Still, insider sales can become a headline risk when a stock is up sharply year-to-date.
2) Options-focused analysis: February 2026 contracts begin trading
Nasdaq published an options-focused note highlighting new February 2026 option listings and example strategies:
- A $25 strike put cited at $0.60 bid, and
- A $28 strike call cited at $1.65 bid, alongside discussed probabilities and implied volatility assumptions.
This doesn’t “predict” direction by itself, but it’s a reminder that:
- SOFI remains an options-heavy retail and momentum name, and
- Longer-dated option listings can attract new positioning into year-end and early 2026.
3) Institutional positioning coverage: 13F-driven stake update
A MarketBeat item today highlighted a 13F-based update that Exchange Traded Concepts LLC increased its stake to 374,715 shares (noted as a 6.4% rise), with the position valued around $9.9 million in that filing context.
Keep perspective: 13F reports are backward-looking snapshots, but they can still influence sentiment when a stock is widely owned and actively discussed.
4) “2026 upside” comparisons and analyst split framing
A TipRanks comparison piece published today framed SOFI’s story versus Robinhood (HOOD) and emphasized that analysts are split on SoFi—highlighting, among other points:
- A cited Morgan Stanley Sell stance with an $18 price target (as discussed in the piece), and
- A Hold consensus framing with an average target around $27.50 in that source’s snapshot.
Separately, MarketWatch’s analyst snapshot shows an average recommendation of Hold and an average target price around $27.44 (with 24 ratings shown on that page).
The fundamentals investors keep coming back to
Even on quiet news days, SOFI tends to trade on the market’s confidence in its growth-to-profitability trajectory.
From SoFi’s most recent quarterly reporting (Q3 2025), the company reported:
- GAAP net revenue of $961.6 million (up 38% year-over-year),
- record adjusted net revenue of $949.6 million,
- GAAP net income of $139.4 million and diluted EPS of $0.11, and
- total members above 12.6 million, up 35% year-over-year.
These metrics have been central to the bull case: that SoFi is evolving from a lender narrative into a broader, more durable platform story (financial services + technology platform + lending).
Crypto and stablecoins remain a sentiment lever heading into year-end
While not “today-only” news, it’s still part of what traders mention when SOFI moves: SoFi recently announced SoFiUSD, a dollar-pegged stablecoin issued by SoFi Bank, N.A., described as fully reserved and aimed at institutional settlement with broader member availability expected later. Barron’s+1
For the stock, the practical takeaway is that crypto-related initiatives can:
- improve “platform narrative” appeal,
- add optionality to revenue streams (depending on adoption and regulation),
- but also increase headline volatility when crypto sentiment swings.
Interest rates: the macro variable SOFI bulls and bears both watch
In December, the Federal Reserve cut the target range for the federal funds rate to 3.50%–3.75%.
Why it matters for SoFi:
- Lower rates can support demand in certain lending/refinancing categories over time.
- But macro easing often coincides with debates about future credit performance—especially relevant for consumer lenders with exposure to unsecured credit.
What to know before the next U.S. market session
Because Dec. 25 is a full market holiday, “tomorrow morning” is really a setup for Friday, Dec. 26. Barron’s+2Nasdaq+2
Here are the most practical things to monitor before the next session opens:
1) Holiday liquidity and “false moves”
Expect:
- wider spreads,
- faster price gaps,
- and moves that reverse when normal volume returns.
This is especially true for high-participation retail names like SOFI.
2) Follow-through from today’s after-hours tone
SOFI’s early after-hours quote dipped slightly from the close.
On thin holiday trading, that’s not a signal by itself—but it’s a sentiment check heading into Dec. 26.
3) Watch for more insider or offering-related headlines
The Form 4 sale is already public.
If additional filings hit the tape, they can create short-lived volatility—particularly when the market is thin.
4) Options positioning into year-end
With newly listed longer-dated options (including February 2026 contracts) getting attention, SOFI can see amplified moves if market-makers need to hedge.
5) Analyst target dispersion: why SOFI can gap quickly
When a stock trades near the street’s average target (~$27–$28 in several snapshots) but still has notable bearish calls in circulation, price action can be “twitchy”—good news gets chased, but valuation concerns can also trigger fast pullbacks. TipRanks+1
Bottom line
SoFi stock finished Dec. 24 higher at $27.48 and eased slightly in early after-hours trading, in a session defined by holiday timing and lighter market activity.
The most actionable “after the bell” items for investors heading into the next open are:
- the SEC-reported insider sale under a 10b5-1 plan,
- options activity/positioning extending into February 2026,
- and the ongoing push-pull between strong 2025 fundamentals and valuation/target-price disagreement among analysts.
This article is for informational purposes only and is not investment advice.
