New York, January 15, 2026, 20:09 EST — The market has closed
- SoFi shares dipped roughly 0.8% in late Thursday trading.
- The fintech announced it will match the federal $1,000 seed for eligible employees’ children in newly established tax-advantaged accounts.
- Investors are eyeing SoFi’s earnings report due Jan. 30 for fresh guidance.
Shares of SoFi Technologies, Inc. (NASDAQ: SOFI) dipped 0.8% to $26.44 in late Thursday trading, having fluctuated between $26.22 and $27.33 earlier. Around 48 million shares changed hands.
As Friday approaches, focus is divided between policy-driven investing accounts, modest yet consistent updates from SoFi’s investing division, and the looming question for both bulls and bears: what guidance the company will offer on 2026 growth at month’s end.
The employee-benefit link ties into the Trump administration’s “Invest America” accounts program, which Reuters says could launch on July 4, 2026, though many details remain unsettled. The U.S. Treasury plans to put $1,000 into accounts for kids born from 2025 through 2028. Companies like BlackRock, Block, Uber, Visa, and Mastercard have all pledged some level of support for the initiative. 1
SoFi announced Wednesday it will match the government’s $1,000 seed contribution with an additional $1,000 investment for eligible children of its employees who qualify for the tax-advantaged accounts, dubbed “Trump Accounts” by the company. “Few things matter more than investing early, and nothing is earlier than day one,” CEO Anthony Noto said. The firm also highlighted its 12.6 million+ members and noted its Galileo platform supports nearly 160 million accounts worldwide. 2
SoFi revealed on Thursday a monthly distribution of $0.1520 per share for its SoFi Enhanced Yield ETF (THTA). The ex-dividend date is Jan. 16, meaning buyers on or after that date won’t get this payout, which will be paid out on Jan. 20. The company pegged the fund’s distribution rate at 12%, based on the latest payout annualized, and reported a 30-day SEC yield of 3.14%, a standardized figure for net investment income that excludes options income. 3
However, the company warned that changes in rules, employee eligibility, and administrative hurdles could impact both the employee benefit and involvement in the federal children’s account program. SoFi highlighted wider regulatory risks tied to employee benefits as well as tax-advantaged savings and investment accounts. 4
The market setup is tricky ahead of a long weekend. Friday marks the final full U.S. trading day before the NYSE shuts down Monday in observance of Martin Luther King Jr. Day. 5
SOFI’s next session will probably hinge more on positioning than fresh headlines. The stock usually moves in line with rate forecasts and consumer credit sentiment. Traders will watch closely for clues from wider fintech trends.
The upcoming major event is SoFi’s quarterly earnings release. The company plans to unveil its Q4 and full-year 2025 results on Jan. 30, followed by a conference call at 8 a.m. ET. Investors will be closely watching the guidance, which is likely to set the tone moving forward. 6
