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SOFI

SoFi Technologies, Inc.Close $15.62EOD only
Max Pain
$16.00
Next expiry May 29, 2026
Expected Move
±$0.78
5.0% from close
Price Gap
+0.38
Distance to max pain
IV Rank
79
High premium
P/C OI
0.52
Slightly call-heavy
Consensus
8.5/10
Bullish tilt
Published snapshot: May 22, 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 22, 2026 close
SOFI Directional Report
Analysis based on market close May 26, 2026
DirectionalTheta GangFlowEarningsConsensus

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

Outlook

Bullish bias with pinning to $16 support; upside capped near $17 resistance. Dealer gamma positive supports drift toward max pain. Thesis: short-dated bullish grind toward $16.66, key support $15.

Confidence:
9 / 10
Base 5; +2 GEX/flow aligned; +1 GEX positive pinning; +1 spot near MP; +1 VIX 17 low vol backdrop.
Supports: Strong GEX $65.5M, bullish flow, spot at max pain $16, low VIX.
Conflicts: Resistance $17, gamma flip $15 (7% downside), high vol regime.
📈Bullish flow & GEX alignment support near-term upside
📌Spot pins to $16 max pain across 3 expiries
⚠️Gamma flip at $15 poses downside risk if broken

Regime Classification

Vol Regime
High
IV elevated relative to typical range, driven by event uncertainty.
Gamma Regime
Pinning
Positive gamma with $65.5M GEX; pinning to $16 max pain across multiple expiries.
Flow Regime
Bullish
Net bullish flow; heavy put OI at $16 and below supports dealer short vol.
Spot vs Max Pain
At
Spot at $16.03, essentially at max pain $16; close to gamma flip $15.
Thesis duration: Event-specific — High vol and pinning dynamics around weekly/monthly expiry; spot hugging $16 max pain.

Price Range Forecast

Next 2 days
$15.30$16.66
Range $15.30-$16.66; upside bias toward upper bound given pinning.
Next 1 week
$14.84$17.12
Range $14.84-$17.12; support $15 holds, resistance $17.
Next 2 weeks
$14.46$17.50
Range $14.46-$17.50; directionless after expiry; $16 remains magnet.

Key Levels

Max pain pins: $16 (2026-05-29); $16 (2026-06-05); $16 (2026-06-12)
EM guardrails: 2d $15.30/$16.66; 1w $14.84/$17.12
Support: $15.00 · $14.46
Resistance: $16.00 · $17.00 · $17.50
Gamma flip: ~$15.00 — Approx — based on put OI concentration of 77,049 (6.1% below spot)
Structural: Support $15 (gamma flip), $14.46 (2w low). Resistance $16 (max pain), $17 (call wall), $17.50 (2w high). EM guardrails: 2d $15.30/$16.66; 1w $14.84/$17.12.

Dealer Positioning (GEX/DEX)

GEX: $+65.5M

DEX: +107.3M shares

Gamma flip: ~$15 (Approx — based on put OI concentration of 77,049 (6.1% below spot))

NTM gamma: GEX +$65.5M (positive), DEX +107.3M shares (long gamma). Gamma flip ~$15 (put OI 6.1% below spot). Net dealer short vol, pinning likely.

IV Analysis

IV vs VIX: SOFI IV elevated vs VIX 17, implying rich implied vol; may contract post-event.

Term structure: Not provided; pinning across expiries suggests flat to backwardation near term.

Skew: Put skew elevated near $15 flip; call skew flat. No clear vol arb.

Flow Analysis

Net premium: Net call premium $13.6M, P/C vol ratio 0.34, OI ratio 0.52, strong bullish flow.

Directional prints: 56.6 call 17 OTM 2026-05-29 — Vol 35,958 vs OI 15,678 (2.3x). Aggressive call buying, bullish near-term. Preferred: bought. 52.5 call 16.5 OTM 2026-05-29 — Vol 36,206 vs OI 20,061 (1.8x). New call buying, bullish. Preferred: bought. 57.9 call 16 OTM 2026-07-17 — Vol 16,118 vs OI 7,511 (2.1x). ITM call buying, bullish sentiment. Preferred: bought.

Unusual: 61.7 put 14 OTM 2027-01-15 — Vol 680 vs OI 201 (3.4x). Unusual OTM put buying, possibly hedging. Preferred: bought. 68.4 call 23 OTM 2027-01-15 — Vol 689 vs OI 372 (1.9x). Far OTM call buying, speculative. Preferred: bought. 68.6 call 18 OTM 2027-01-15 — Vol 940 vs OI 522 (1.8x). OTM call buying, bullish long-term. Preferred: bought.

Risks & Catalysts

!Break below $15 gamma flip
!Vol crush post-expiry
!Macro risk from elevated VIX
!Resistance at $17 caps upside

Strategy Viability

StrategyEdgeBest SetupPrimary Risk
Bull call spreadModerate
Buy 2026-06-12 $17.00/$18.00 call spread
Why now: Aggressive call flow supports near-term upside; support at $15 provides floor.
Max loss is debit paid if stock falls below short strike.
Put credit spreadModerate-Strong
Sell 2026-06-12 $15.00/$14.50 put spread
Why now: Strong support at $15 and positive dealer gamma below makes put credit spread attractive.
If stock breaks below $15, max loss is spread width.
Bullish risk reversalModerate
Buy 2026-06-12 $16.50 call / sell 2026-06-12 $15.00 put
Why now: Call flow indicates upside bias; selling put at support funds call purchase.
Short put exposes to downside risk if stock falls sharply below $15.

Top Plays

#1
Bull Call Spread
Buy 2026-06-12 $17.00/$18.00 call spread
Buy $17/$18 call spread for near-term grind to $16.66.
Why this play: Aligned with bullish flow and support at $15; defined risk, upside to $18.
Debit: $0.18-$0.22
Max loss: $0.22
BE: $17.22
Mgmt: Exit if SOFI breaks below $15 or near expiry if OTM.
Traders seeking capped risk with bullish bias.
#2
Bullish Risk Reversal
Buy 2026-06-12 $16.50 call / sell 2026-06-12 $15.00 put
Buy $16.50 call, sell $15 put to profit from upside with put premium offset.
Why this play: Leverages call flow and funds put sale at support; unlimited upside potential.
Debit: $0.21-$0.26
Max loss: $15.00
BE: $15.00
Mgmt: Monitor support at $15; adjust if breached.
Aggressive traders expecting upside without defined risk.
#3
Put Credit Spread
Sell 2026-06-12 $15.00/$14.50 put spread
Sell $15/$14.50 put spread to collect premium with support.
Why this play: Suits neutral to bullish with floor at $15, but less direct than call spread.
Credit: $0.10-$0.13
Max loss: $0.37
BE: $14.87
Mgmt: Close early if SOFI weakens near $15.50.
Defensive traders wanting premium income with buffer.

Watchlist Triggers

Entry Triggers
IFSOFI holds above $15 and RSI > 60 → Enter Bull Call Spread (buy $17/$18 call) for $0.20 debit
IFSOFI breaks above $16.50 → Enter Bullish Risk Reversal (buy $16.50 call, sell $15 put) for $0.25 net debit
Exit Triggers
EXITSOFI closes below $15.00 → Exit all bullish positions immediately
EXITSOFI reaches $17.50 before expiry → Exit Bull Call Spread for max gain

Tactical Summary

Bullish bias on SOFI with support at $16; $15 is invalidation. Use quantified triggers (RSI>60) for entry.
How to Use These Reports
This directional reflects the market close on May 26, 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.

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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.