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SOFI

SoFi Technologies, Inc.Close $15.65EOD only

Max Pain

$15.50

Next expiry May 22, 2026

Expected Move

±$0.40

2.5% from close

Price Gap

-0.15

Distance to max pain

IV Rank

Middle-high premium

P/C OI

0.52

Slightly call-heavy

Consensus

8.5/10

Bullish tilt

Published snapshot: May 21, 2026 close

End-of-day snapshot

This page reflects SOFI options positioning from the latest published market-close snapshot. Intraday price and contract changes are not displayed.

Published Snapshot

May 21, 2026 close

SOFI Directional Report

Analysis based on market close May 22, 2026

Directional Theta Gang Flow Earnings Consensus

Historical consensus-supported lens with full content, report chain context, and metric rail.

Outlook

Bullish bias with high confidence (9/10). Strong GEX and bullish flow support upside to $16.40. Low VIX (17) and pinning at $16.

Confidence:

9 / 10

Base 5; +2 GEX/flow aligned; +1 GEX pinning; +1 spot at MP; +1 VIX low.

Supports: GEX +$87M, bullish flow, spot at $16 MP, VIX 16.7, high conf.
Conflicts: Resistance $16.40, $16.84; gamma flip $15; high vol.

📈Pos GEX $+87M, bullish flow.

📌Spot pinned at $16 max pain.

⚠️Gamma flip at $15 risk.

Regime Classification

Vol Regime

High

IV elevated relative to low VIX, implying rich implied vol for near-term expiries.

Gamma Regime

Pinning

Pinning gamma: $+87M GEX, flip at $15.

Flow Regime

Bullish

Bullish flow: net premium positive.

Spot vs Max Pain

Spot at max pain $16 across expiries.

Thesis duration: Multi-week — Ranges to 2 weeks; pinning persists; VIX low.

Price Range Forecast

Next 1 week

$14.84$16.40

Resist $16.40, supp $14.84. Upside likely.

Next 2 weeks

$14.40$16.84

Range $14.40-$16.84. $16 key, $15 flip risk.

Key Levels

Max pain pins: $16 (2026-05-22); $16 (2026-05-29); $16 (2026-06-05)

EM guardrails: 1w $14.84/$16.40

Support: $15.50 · $15.00 · $14.40

Resistance: $16.00 · $16.50 · $16.84

Gamma flip: ~$15.00 — Approx — based on put OI concentration of 75,945 (4.0% below spot)

Structural: Supp 15.5/15/14.4; Res 16/16.5/16.84; Gamma flip $15; EM 1w $14.84/$16.40.

Dealer Positioning (GEX/DEX)

GEX: $+87.0M

DEX: +109.4M shares

Gamma flip: ~$15 (Approx — based on put OI concentration of 75,945 (4.0% below spot))

NTM gamma: GEX $+87M positive, DEX +109.4M shares. Gamma flip ~$15.

IV Analysis

IV vs VIX: IV rich vs VIX, elevated due to high regime.

Term structure: Multiple weekly expiries suggest near-term IV high.

Skew: Skew reflects put demand; no clear opportunity.

Flow Analysis

Net premium: Bullish net call premium of $5.82M with P/C volume ratio 0.43, indicating aggressive call buying.

Directional prints: 43.2 call 15.5 ITM 2026-05-29 — Vol/OI 3.3x, heavy call buying likely bullish sentiment unfolding; absorbed by OI 4375 suggests new bullish positioning. 43 call 16 OTM 2026-05-29 — Vol/OI 1.6x on 15925 vol vs 9676 OI, aggressive call accumulation; bought vs sold: large buyer driving upside exposure; preferred read bullish.

Unusual: 50.4 call 14.5 ITM 2026-06-05 — Extreme vol/OI 16.2x on low OI 111; speculative call sweep capturing upside momentum; likely bought, aggressive bullish bet. 75 put 12 OTM 2026-05-29 — Unusual put activity in bullish regime; vol/OI 1.7, OI 180; possibly a protective or hedging trade; sold or bought? Could be sold premium. 78.5 call 13 ITM 2026-06-05 — High IV 78.5%, vol/OI 2.7; unusual given deep ITM? Actually $13 call is ITM if spot above $13; size small 311 vol; speculative roll or new position.

Risks & Catalysts

!Failure at $16.40.

!Gamma flip at $15.

!Bearish flow shift.

Strategy Viability

Strategy	Edge	Best Setup	Primary Risk
Put credit spread	Moderate-Strong	Sell 2026-07-17 $14.00/$12.00 put spread Why now: Strong GEX support at $15, bullish flow, low VIX favors selling puts.	If SOFI drops below $15, max loss limited to spread width.
Bull call spread	Moderate	Buy 2026-07-17 $18.00/$20.00 call spread Why now: Bullish GEX at $16.40, call flow supports upside, low VIX reduces cost.	Max loss is debit paid; if SOFI stays below long strike, loss limited.
Cash-secured put	Moderate-Strong	Sell 2026-07-17 $14.00 cash-secured put Why now: Strong put support at $15, bullish flow, low VIX favors premium collection.	If SOFI drops below $15, assigned stock at $15, potential loss if further decline.

Top Plays

Sell Put Spread at $14/$12

Sell 2026-07-17 $14.00/$12.00 put spread

Collects premium via put credit spread, capitalizing on support and bullish flow.

Why this play: Aligns with bullish bias and strong GEX support at $15; low VIX favors premium selling with defined risk.

Credit: $0.36-$0.45

Max loss: $1.55

BE: $13.55

Mgmt: Manage at 50% profit; exit if SOFI drops below $15.50.

Consistent premium collectors seeking defined-risk bullish exposure.

Sell Cash-Secured Put at $14

Sell 2026-07-17 $14.00 cash-secured put

Collects premium by selling cash-secured put at $14, using support as buffer.

Why this play: Leverages put support and bullish flow for premium, but requires larger capital; slightly lower rank due to capital efficiency.

Credit: $0.53-$0.64

Max loss: $13.36

BE: $13.36

Mgmt: Manage at 50% profit or roll if price approaches $14.50.

Capital-rich traders seeking high probability premium with willingness to hold shares.

Buy Call Spread $18/$20

Buy 2026-07-17 $18.00/$20.00 call spread

Speculative call spread betting on breakout above $18, low cost due to low VIX.

Why this play: Upside target $16.40 may not reach $18; less aligned with price projection, but low VIX reduces cost.

Debit: $0.25-$0.30

Max loss: $0.30

BE: $18.30

Mgmt: Set stop if SOFI falls below $15.50; take profit if $18 tested.

Momentum traders expecting strong upside beyond current resistance.

Watchlist Triggers

Entry Triggers

IFIF SOFI holds above $15.50 for two consecutive daily closes → THEN sell the 2026-07-17 $14.00/$12.00 put credit spread

IFIF SOFI breaks above $16.00 with volume above 20-day average → THEN buy the 2026-07-17 $18.00/$20.00 bull call spread

Exit Triggers

EXITIF SOFI closes below $15.50 → THEN exit the put credit spread or cash-secured put at a loss

Tactical Summary

Bullish bias (9/10) with strong GEX at $15 and key resistance at $16.40. Top play: sell put spread $14/$12. Manage exits if support at $15.50 breaks. Low VIX favors premium selling.

How to Use These Reports

This directional reflects the market close on May 22, 2026.

What the reports do

Each report translates the same market-close options snapshot into a specific lens such as directional bias, premium-selling posture, flow quality, or earnings setup.

How traders use them

Reports are most useful for narrowing the playbook, surfacing entry and risk context, and deciding which raw data page to inspect next.

What to remember

These are interpretation layers, not execution guarantees. Validate the setup against chain liquidity, expected move, and exposure before sizing risk.

If the report conviction and the raw data disagree, slow down and resolve the mismatch before sizing risk.