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SOFI

SoFi Technologies, Inc.Close $15.23EOD only
Max Pain
$16.00
Next expiry May 22, 2026
Expected Move
±$0.70
4.6% from close
Price Gap
+0.77
Distance to max pain
IV Rank
28
Middle-high premium
P/C OI
0.52
Slightly call-heavy
Consensus
7.5/10
Bullish tilt
Published snapshot: May 19, 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 19, 2026 close
SOFI Earnings Report
Analysis based on market close May 19, 2026
DirectionalTheta GangFlowEarningsConsensus

Consensus-supported lens with chain history and key metrics in the rail.

Earnings Verdict

SOFI 70d to earnings; strong bullish flow, high IV, pinning at $16 MP.

Confidence:
8 / 10
base 5; +2 GEX/flow strongly aligned; +1 GEX positive (pinning); -0.5 spot 4.8% from MP; +0.5 VIX 18
Most important: Spot pinned at $16 with heavy call OI; gamma flip at $15.
📌Max pain $16 with heavy call OI; pinning likely.
💰Unusual call volume at $15 and $15.50; bullish positioning.
⚠️Gamma flip at $15; breakdown could accelerate downside.

Regime Classification

Vol Regime
High
Gamma Regime
Pinning
Flow Regime
Bullish
Spot vs MP
Below
Gamma flip: ~$15.00 — Approx — based on put OI concentration of 80,486 (1.5% below spot)

Earnings Overview

Next earnings: 2026-07-28 (70 days)explicit

Expected moves:

  • 2026-05-22 (3d): ±$0.71 (4.6%)
  • 2026-05-29 (10d): ±$1.08 (7.1%)
  • 2026-06-05 (17d): ±$1.43 (9.4%)

IV Setup

Term structure: Steep upward; front-week IV ~55%, mid ~58%, long ~72%.

Crush estimate: Post-earnings IV drop ~20-30%.

Skew: Calls elevated; puts flat with protection at $12.

Historical Context

Beat rate: 80% (4/5 quarters)

Avg move vs expected: 80% beat rate; avg move likely above expected.

Directional bias: Slight bullish.

Key Levels

1$15.00 gamma flip
2EM guardrails: 2d $14.52/$15.93; 1w $14.15/$16.30
3Max pain pins: $16 (2026-05-22); $16 (2026-05-29); $16 (2026-06-05)

Flow Highlights

Unusual $15 call (5/22) 9.6x vol/OI.

Aggressive bullish bet near MP.

Large $15.50 call (5/22) 2.5x vol/OI.

Call wall building at $16.

Strategies

Iron Condor on SOFI
Sell 2026-07-17 $15.00/$14.00 put wing and $17.00/$18.00 call wing
Credit: $0.59-$0.73
Max loss: $0.27
Max gain: $0.73
BE: 14.27 / 17.73
Trigger: Monitor $15 and $17 breakouts; adjust wings if needed.
Defined risk, high IV premium capture, pin at $16.
Outperforms: Sell put spread and call spread around $16, benefiting from theta decay and IV crush.
Underperforms: Move outside short strikes invalidates range thesis.
Short Strangle on SOFI
Sell 2026-07-17 $15.00 put + sell $17.00 call
Credit: $1.75-$2.15
Max loss: Unlimited
Max gain: $2.15
BE: 12.85 / 19.15
Trigger: Set stop-loss on break of $15 or $17; roll if tested.
Higher premium, theta decay, but unlimited risk.
Outperforms: Sell $15 put and $17 call, collecting premium from high IV.
Underperforms: Break outside short strikes invalidates short-vol thesis.

Risk Assessment

!Spot pinned near $16 MP; gamma flip at $15 if dropped.
!IV crush risk ~20-30% after earnings.
!Earnings miss (20% hist.) could trigger put floor at $10.

What to Watch

?Spot reaction to $16 resistance this week.
?Gamma flip level $15; break could accelerate.
?IV expansion as earnings (7/28) nears.
?Continuation of unusual call volume.
How to Use These Reports
This earnings reflects the market close on May 19, 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.