SoFi Technologies, Inc. (NASDAQ: SOFI) ended Monday, December 15, 2025, sharply lower, and the stock stayed active in extended trading after the closing bell. SOFI finished the regular session around $25.81–$25.82 (down about 5.35%–5.4%) and traded around $25.71 in late afternoon after-hours quotes. [1]
The pullback matters because SoFi has been one of 2025’s most-watched fintech momentum names—meaning any combination of dilution concerns, valuation debates, and macro-rate headlines can hit sentiment quickly. Below is what investors and traders should know tonight (after the bell on Dec. 15) before the U.S. market opens Tuesday, Dec. 16, 2025.
SOFI stock after the bell: the numbers that set the tone
By the close on Dec. 15, SoFi shares had swung meaningfully intraday:
- Close: ~$25.82 [2]
- Day range: roughly $25.80 (low) to $27.47 (high) [3]
- Volume: about 48–50 million shares (below recent average, per market-data summaries) [4]
- After-hours print (example):$25.71 at 4:58 p.m. ET, down modestly from the close [5]
MarketBeat’s recap pegged the move as a ~5.4% drop to $25.82, with trading as low as $25.79, and framed SoFi’s market cap at roughly $31 billion at those levels. [6]
Why these levels matter into Tuesday: With SOFI closing near the day’s lows and after-hours trading still in the mid-$25s, the market is effectively heading into the next session with “damage done” technically—meaning Tuesday’s open will likely be judged on whether buyers defend the mid-$25 area or whether selling resumes quickly.
What likely weighed on SOFI Monday: dilution hangover meets a high-beta tape
1) The $1.5 billion share sale is still fresh in traders’ minds
SoFi’s stock action in early-to-mid December has been heavily influenced by its recent capital raise:
- On Dec. 4, 2025, SoFi announced an underwritten public offering of $1.5 billion of common stock and said proceeds would be used for general corporate purposes (including enhancing capital position and capital management flexibility). [7]
- An 8-K dated Dec. 8, 2025 describes the offering being priced at $27.50 per share for 54,545,454 shares, with underwriters granted a 30-day option for up to 8,181,818 additional shares. [8]
Even when a deal is done, markets often “re-price” the stock around (or below) the offering price as the street digests the new share count and potential incremental supply.
2) SoFi is a high-sensitivity (high-beta) growth stock
MarketBeat lists SOFI with a beta near 1.93, reinforcing what many traders already feel in real time: SoFi tends to amplify broader risk-on/risk-off moves. [9]
So when macro uncertainty rises—even without SoFi-specific bad news—fintech and consumer-credit names can feel it first.
3) Valuation debates are back as the market looks toward 2026
A Reuters note published Monday on broader market strategy highlighted the idea that high valuation starting points can be a hurdle and that bouts of volatility may be more acute as the bull market matures. [10]
That backdrop matters for a company like SoFi that has rallied hard in 2025: when investors shift from “growth at any price” to “growth at the right price,” high-flyers often see sharper pullbacks.
Today’s SoFi headlines: Smart Card buzz keeps the product story alive
While the stock sold off, SoFi’s product narrative continued to generate headlines Monday—especially around its newly introduced SoFi Smart Card.
Trade and market-news coverage on Dec. 15 described the Smart Card as an “all-in-one account” concept aimed at blending debit-like control with credit-card-like benefits, including:
- 5% cash back at grocery stores
- Up to 4.30% APY on savings balances (promotional window)
- A dynamic credit limit based on account balances
- Fraud protections and ATM access features [11]
SoFi’s own announcement positioned Smart Card as part of its broader mission to keep members in control of spending, rewards, credit building, and protection—inside one ecosystem. [12]
Why this matters for the stock (even on a red day): Product launches like Smart Card are central to SoFi’s long-term thesis: higher engagement, more cross-sell, and more fee-based revenue streams over time. But the market often separates long-term product momentum from short-term share supply/valuation pressure—and Monday looked like the latter won the session.
Analyst forecasts and Wall Street tone (as of today): “Hold,” but with big dispersion
One of the most widely shared SoFi stories Monday centered on positioning and analyst caution.
Cathie Wood trimmed SoFi
TipRanks reported that ARK Invest sold 21,094 shares of SoFi (about $0.6 million) on Friday, even as the stock remained strongly up year-to-date. [13]
That sale isn’t huge in dollar terms, but it can matter sentiment-wise because ARK trades are closely watched and often become part of the social/news narrative around high-growth names.
Newer analyst target moves (and a 2026 framing)
TipRanks also summarized several recent analyst actions and the current consensus:
- JPMorgan raised its SoFi price target to $31 (from $28) while keeping a Neutral rating, in a broader 2026 fintech outlook discussion. [14]
- Truist cut its target to $28 (from $31), keeping Hold and citing tougher comparisons and reduced estimates. [15]
- KBW reiterated Sell but raised its target to $20 (from $18), acknowledging stronger performance while still disliking the longer-term risk/reward. [16]
- Overall, TipRanks put the Street at a Hold consensus with an average price target of $27.50. [17]
Meanwhile, MarketBeat’s data snapshot similarly labeled the stock “Hold,” but with a lower consensus target around $25.69, essentially implying limited upside from Monday’s closing neighborhood. [18]
Takeaway: Analysts aren’t uniformly bearish on SoFi’s business execution—but many are unwilling to chase the stock after a strong run, especially with dilution/capital questions still part of the story.
Technical and trading signals tonight: oversold readings, heavy debate
If you’re heading into Tuesday focused on what the market might do next, tonight’s technical posture is hard to ignore.
Investing.com’s end-of-day technical snapshot (timestamped Dec. 16, 2025 12:15 a.m. GMT) rated SOFI “Strong Sell” on a daily basis, with RSI(14) around 29.978 (near oversold territory) and multiple moving-average sell signals listed. [19]
What that can mean into the open: Oversold readings can set up a bounce—especially if the broader market stabilizes—but they do not guarantee one. In volatile, high-beta names, “oversold” can also stay oversold if a new catalyst emerges or if risk-off accelerates.
Options market watch: “whales” showed up Monday, and sentiment looked mixed-to-bearish
One of the more notable same-day trading stories was in derivatives.
Benzinga reported that its options scanner flagged 33 unusual options activities in SoFi on Dec. 15, with a split but tilted bearish posture among “heavyweight investors”:
- 10 put trades totaling about $335,236
- 23 call trades totaling about $1,642,912
- Of the flagged flow, Benzinga characterized 33% bullish vs. 45% bearish [20]
Benzinga also said the observed contracts implied traders targeting a $15 to $47 range over the last three months (based on volume/open interest across those contracts). [21]
How to interpret this before Tuesday: Unusual options flow doesn’t automatically predict direction, but it does confirm one thing: SOFI remains a high-attention trading vehicle. That can amplify Tuesday’s moves (up or down) depending on broader market cues at the open.
What to know before the market opens Tuesday (Dec. 16, 2025): a practical checklist
Here are the biggest items to monitor between now and Tuesday’s opening bell—especially if you’re trading SOFI or benchmarking it against fintech peers.
1) After-hours and premarket stability around the mid-$25 level
SOFI traded around $25.71 after hours shortly after the close, after finishing the day near $25.81–$25.82. [22]
If premarket holds that zone, it suggests the market is at least trying to base. If it breaks quickly, it can signal more forced selling or renewed risk-off.
2) Any new updates tied to the December equity offering
The offering’s pricing and size are already on the record ($27.50, 54.5M shares, plus the underwriters’ option). [23]
But traders will still watch for follow-through commentary, additional filings, or broader capital-market implications—especially given how sensitive SOFI can be to supply narratives.
3) Macro catalysts: jobs/rates headlines can move fintech fast
Reuters flagged attention shifting toward a major U.S. payrolls report (delayed earlier and scheduled for Tuesday, per its market wrap). [24]
Why SoFi cares: rate expectations influence consumer credit, funding costs, and investor appetite for growth/fintech risk.
4) Product momentum versus valuation reality
SoFi’s Smart Card rollout is a tangible “product story” that reinforces ecosystem expansion, rewards, and retention. [25]
The question for Tuesday isn’t whether the product is interesting—it’s whether that narrative can compete with dilution/valuation concerns in the near term.
5) Watch for volatility signals from the options market early Tuesday
With unusual options activity already elevated Monday, SOFI can react sharply at the open if market makers adjust hedges and if traders continue leaning into puts/calls aggressively. [26]
Bottom line for Tuesday’s open: what the market is really deciding on SOFI
After the bell on Dec. 15, 2025, SoFi stock is setting up for a “tug of war” session on Dec. 16:
- Bulls will argue the selloff is creating value or at least a tradable oversold bounce—backed by continued product expansion (Smart Card) and a business execution narrative that analysts acknowledge, even if they’re cautious. [27]
- Bears will argue the market is still digesting dilution and re-pricing the stock after a huge year, with options flow and technical posture reflecting ongoing caution. [28]
References
1. chartexchange.com, 2. www.investing.com, 3. www.investing.com, 4. www.investing.com, 5. chartexchange.com, 6. www.marketbeat.com, 7. investors.sofi.com, 8. www.sec.gov, 9. www.marketbeat.com, 10. www.reuters.com, 11. www.atmmarketplace.com, 12. investors.sofi.com, 13. www.tipranks.com, 14. www.tipranks.com, 15. www.tipranks.com, 16. www.tipranks.com, 17. www.tipranks.com, 18. www.marketbeat.com, 19. www.investing.com, 20. www.benzinga.com, 21. www.benzinga.com, 22. chartexchange.com, 23. www.sec.gov, 24. www.reuters.com, 25. www.atmmarketplace.com, 26. www.benzinga.com, 27. investors.sofi.com, 28. www.sec.gov
