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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 Earnings Report
Analysis based on market close May 26, 2026
DirectionalTheta GangFlowEarningsConsensus

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

Earnings Verdict

SOFI in high vol, bullish gamma pinning regime near max pain $16. Heavy call flow supports upside bias. Earnings 63 days out.

Confidence:
9 / 10
base 5; +2 GEX/flow strongly aligned; +1 GEX positive (pinning); +1 spot 0.1% from MP; +1 VIX 17
Most important: 80% historical beat rate and aggressive call buying suggest bullish positioning.
📈80% beat rate and call flow bullish.
⚠️Gamma pinning at $16 may limit near-term upside.
📊Vol regime high; premium elevated.

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 77,049 (6.1% below spot)

Earnings Overview

Next earnings: 2026-07-28 (63 days)explicit

Expected moves:

  • 2026-05-29 (3d): ±$0.68 (4.3%)
  • 2026-06-05 (10d): ±$1.14 (7.1%)
  • 2026-06-12 (17d): ±$1.52 (9.5%)

IV Setup

Term structure: Upward sloping, 3d: ±4.3%, 10d: ±7.1%, 17d: ±9.5%.

Crush estimate: Moderate post-earnings IV crush expected, but long-dated so limited near-term impact.

Skew: Put OI concentrated at $14-$15; call walls at $17-$22.

Historical Context

Beat rate: 80% (4/5 quarters)

Avg move vs expected: Not available; historical beat rate 80% suggests potential upside.

Directional bias: Bullish given 80% beat rate.

Key Levels

1$15.00 gamma flip
2EM guardrails: 2d $15.30/$16.66; 1w $14.84/$17.12
3Max pain pins: $16 (2026-05-29); $16 (2026-06-05); $16 (2026-06-12)

Flow Highlights

Heavy call buying on 2026-05-29 $16.50 and $17 strikes (vol/OI >1.8).

Aggressive bullish positioning for near-term expiration.

Large put sale on 2027-01-15 $14 put (vol/OI 3.4).

Long-term bearish hedging or bearish view on downside.

Strategies

Bullish Call Spread
Buy 2026-08-21 $16.00/$18.00 call spread
Debit: $0.67-$0.81
Max loss: $0.81
Max gain: $1.19
BE: $16.81
Trigger: Exit if SOFI drops below $15 or hold through earnings; target max profit at $18.
80% beat rate and heavy call flow support upside; spread limits cost and risk vs. strangle.
Outperforms: Expresses bullish directional bias with defined risk and cheaper premium.
Underperforms: Loss of support weakens upside continuation thesis.
Long Strangle
Buy 2026-08-21 $15.00 put + buy $20.00 call
Debit: $1.97-$2.40
Max loss: $2.40
Max gain: Unlimited
BE: 12.60 / 22.40
Trigger: Set stop-loss at premium paid; adjust strikes if IV expands early.
High IV and bullish bias favor wings for outsized moves if volatility spikes, but risk is higher.
Outperforms: Captures large directional moves with unlimited upside potential.
Underperforms: Insufficient realized move reduces long-strangle edge.

Risk Assessment

!High vol regime (VIX 17) elevates option premiums.
!Gamma pinning at $16 may cap moves near term.
!63 days to earnings introduces time decay risk for long options.

What to Watch

?Spot price relative to $16 max pain.
?Call OI walls at $17 and higher.
?Earnings catalysts and guidance.
How to Use These Reports
This earnings 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.

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.