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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
40
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 Earnings Report
Analysis based on market close May 21, 2026
DirectionalTheta GangFlowEarningsConsensus

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

Earnings Verdict

SOFI: bullish flow, gamma pinning at $16, 80% beat rate, but earnings 68 days away.

Confidence:
9 / 10
base 5; +2 GEX/flow strongly aligned; +1 GEX positive (pinning); +1 spot 1.0% from MP; +1 VIX 17
Most important: Net call premium $3.65M and heavy $15.5 call volume signal bullish positioning.
📈30K call volume at $15.5 for May22, largest print.
⚠️68 days to earnings; setup may not hold.
🎯Max pain $16 across expiries.

Regime Classification

Vol Regime
High
Gamma Regime
Pinning
Flow Regime
Bullish
Spot vs MP
At
Gamma flip: ~$15.00 — Approx — based on put OI concentration of 80,339 (4.2% below spot)

Earnings Overview

Next earnings: 2026-07-28 (68 days)explicit

Expected moves:

  • 2026-05-22 (1d): ±$0.39 (2.5%)
  • 2026-05-29 (8d): ±$0.89 (5.7%)
  • 2026-06-05 (15d): ±$1.27 (8.1%)

IV Setup

Term structure: Upward sloping: 1d ±2.5%, 8d ±5.7%, 15d ±8.1%.

Crush estimate: Moderate crush post-earnings as IV contracts from elevated levels.

Skew: Slight put skew; call OI dominates at $16-$22.

Historical Context

Beat rate: 80% (4/5 quarters)

Avg move vs expected: Average move near expected historically.

Directional bias: Bullish bias from 80% beat rate.

Key Levels

1$15.00 gamma flip
2EM guardrails: 2d $15.25/$16.04; 1w $14.76/$16.53
3Max pain pins: $16 (2026-05-22); $16 (2026-05-29); $16 (2026-06-05)

Flow Highlights

30K vol in $15.5C May22, vol/OI=2.0.

Aggressive bullish bet or covering.

2K vol in $9P Jun18, vol/OI=9.5.

Protective put or bearish speculation.

Strategies

Bullish Call Calendar
Sell 2026-05-29 $16.00 call / buy 2026-07-17 $16.00 call
Debit: $0.85-$1.04
Max loss: $1.04
Max gain: Variable
BE: Path-dependent
Trigger: Monitor $15.5 invalidation; roll if breached.
Upward sloping IV and bullish flow favor long calendar; sells near-term decay.
Outperforms: Exploits term structure: sells high near-term IV, buys longer-dated optionality.
Underperforms: Loss of support or adverse vol term shift weakens thesis.
Range-Bound Iron Condor
Sell 2026-05-29 $15.50/$15.00 put wing and $16.00/$16.50 call wing
Credit: $0.27-$0.34
Max loss: $0.16
Max gain: $0.34
BE: 15.16 / 16.34
Trigger: Manage wings if price approaches; close early for profit.
Gamma pin at $16 and defined risk capture theta decay.
Outperforms: Neutral bias play; benefits from sideways price action.
Underperforms: Move outside short strikes invalidates range thesis.

Risk Assessment

!Earnings 68 days away; flow may not persist.
!Gamma flip at $15; breach could accelerate selling.
!IV crush from elevated levels if no catalyst.

What to Watch

?$15.5-$16 levels; call OI wall.
?Sustained call volume in weeklies.
?Shift in put/call ratio.
How to Use These Reports
This earnings reflects the market close on May 21, 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.