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SOFI

SoFi Technologies, Inc.Close $15.69EOD only
Max Pain
$15.50
Next expiry May 22, 2026
Expected Move
±$0.59
3.8% from close
Price Gap
-0.19
Distance to max pain
IV Rank
38
Middle-high premium
P/C OI
0.52
Slightly call-heavy
Consensus
8.5/10
Bullish tilt
Published snapshot: May 20, 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 20, 2026 close
SOFI Earnings Report
Analysis based on market close May 20, 2026
DirectionalTheta GangFlowEarningsConsensus

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

Earnings Verdict

SOFI pre-earnings: bullish flow, elevated IV, gamma pinning near $16. High beat rate supports confidence.

Confidence:
9 / 10
base 5; +2 GEX/flow strongly aligned; +1 GEX positive (pinning); +0.5 spot 1.2% from MP; +1 VIX 17
Most important: Bullish flow and high IV; watch $16 max pain.
📊SOFI 80% beat rate; strong call flow

Regime Classification

Vol Regime
High
Gamma Regime
Pinning
Flow Regime
Bullish
Spot vs MP
Above
Gamma flip: ~$15.00 — Approx — based on put OI concentration of 80,341 (4.4% below spot)

Earnings Overview

Next earnings: 2026-07-28 (69 days)explicit

Expected moves:

  • 2026-05-22 (2d): ±$0.59 (3.8%)
  • 2026-05-29 (9d): ±$1.01 (6.4%)
  • 2026-06-05 (16d): ±$1.37 (8.8%)

IV Setup

Term structure: Front-end elevated; 2d IV ~50%, 9d ~60%, 16d ~65%

Crush estimate: ~30% post-event

Skew: Calls slightly elevated; put skew flat

Historical Context

Beat rate: 80% (4/5 quarters)

Avg move vs expected: Recent moves ~5% vs implied 4-6%

Directional bias: Slight bullish; 80% beat rate

Key Levels

1$15.00 gamma flip
2EM guardrails: 2d $15.10/$16.28; 1w $14.68/$16.70
3Max pain pins: $16 (2026-05-22); $16 (2026-05-29); $16 (2026-06-05)

Flow Highlights

Unusual $14.5 call volume 869 vs 192 OI (ratio 4.5) and $12.5 put volume 1458 vs 353 OI (ratio 4.1)

Call flow bullish; deep OTM puts hedging

Strategies

Bullish Call Diagonal
Sell 2026-05-29 $18.00 call / buy 2026-06-12 $17.00 call
Debit: $0.29-$0.35
Max loss: $0.35
Max gain: Variable
BE: Path-dependent
Trigger: Close if SOFI drops below $15.50 invalidation.
Exploits upward-sloping IV term structure with slight bullish bias.
Outperforms: Sells short-term call to capture elevated IV, buys longer call for bullish exposure.
Underperforms: Loss of support or adverse vol term shift weakens thesis.
Range-Bound IC
Sell 2026-05-29 $15.00/$14.00 put wing and $17.00/$18.00 call wing
Credit: $0.19-$0.23
Max loss: $0.77
Max gain: $0.23
BE: 14.77 / 17.23
Trigger: Adjust wings if IV expands or spot breaks range.
Captures premium from elevated IV with neutral outlook, supported by gamma pinning.
Outperforms: Sells out-of-the-money put and call wings around expected range.
Underperforms: Move outside short strikes invalidates range thesis.

Risk Assessment

!Elevated IV pre-earnings
!Gamma pinning near $16
!Low put/call ratio bullish skew

What to Watch

?Spot vs $16 max pain
?Unusual flow continuation
?VIX movement
How to Use These Reports
This earnings reflects the market close on May 20, 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.