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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 22, 2026
DirectionalTheta GangFlowEarningsConsensus

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

Earnings Verdict

Earnings 67 days away; bullish flow and pinning dominate.

Confidence:
9 / 10
base 5; +2 GEX/flow strongly aligned; +1 GEX positive (pinning); +1 spot 0.8% from MP; +1 VIX 17
Most important: Heavy call buying and positive gamma skew support near-term bias.
📞Heavy call vol in $14.5 Jun5 suggests bullish bet on continuation.

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 75,945 (4.0% below spot)

Earnings Overview

Next earnings: 2026-07-28 (67 days)explicit

Expected moves:

  • 2026-05-29 (7d): ±$0.78 (5.0%)
  • 2026-06-05 (14d): ±$1.22 (7.8%)
  • 2026-06-12 (21d): ±$1.53 (9.8%)

IV Setup

Term structure: Upward sloping; longer-dated elevated from earnings uncertainty.

Crush estimate: N/A; estimated weekly decay 2-3%.

Skew: Call skew elevated; put/call OI ratio 0.52.

Historical Context

Beat rate: 80% (4/5 quarters)

Avg move vs expected: Avg move exceeds expected on beats.

Directional bias: Bullish (80% beat rate, strong call flow).

Key Levels

1$15.00 gamma flip
2EM guardrails: 1w $14.84/$16.40
3Max pain pins: $16 (2026-05-22); $16 (2026-05-29); $16 (2026-06-05)

Flow Highlights

$14.50C Jun5: 1794 vol, 111 OI

Large new buyer positioning for upside.

$15.50C May29: 14,590 vol, 4375 OI

Aggressive near-term call accumulation.

Strategies

Short Strangle
Sell 2026-05-29 $15.50 put + sell $16.00 call
Credit: $0.50-$0.62
Max loss: Unlimited
Max gain: $0.62
BE: 14.88 / 16.62
Trigger: Monitor gamma flip at $15; close if breached.
Captures high theta decay with bullish pinning; highest premium.
Outperforms: Sell OTM put and call to collect premium; benefits from range-bound price.
Underperforms: Break outside short strikes invalidates short-vol thesis.
Iron Condor
Sell 2026-05-29 $15.50/$15.00 put wing and $16.00/$16.50 call wing
Credit: $0.26-$0.32
Max loss: $0.18
Max gain: $0.32
BE: 15.18 / 16.32
Trigger: Close at 50% max gain or before earnings.
Defined risk; bullish bias with wing protection.
Outperforms: Sell OTM put and call spreads for net credit; limited profit and loss.
Underperforms: Move outside short strikes invalidates range thesis.

Risk Assessment

!Gamma flip at $15 (4% below spot) can accelerate downside.
!Earnings uncertainty not yet priced; IV may rise.

What to Watch

?Max pain $16; support $15.5; resistance $16.5.
?Unusual June 5 call activity.
How to Use These Reports
This earnings 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.