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SOFI

SoFi Technologies, Inc.Close $16.58EOD only
Max Pain
$15.00
Next expiry Jun 18, 2026
Expected Move
±$0.96
5.8% from close
Price Gap
-1.58
Distance to max pain
IV Rank
98
High premium
P/C OI
0.48
Slightly call-heavy
Consensus
9.0/10
Bullish tilt
Published snapshot: Jun 12, 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
Jun 12, 2026 close
SOFI Earnings Report
Analysis based on market close June 11, 2026
DirectionalTheta GangFlowEarningsConsensus

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

You are viewing an older report from June 11, 2026. A newer earnings report is available for June 12, 2026.

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Earnings Verdict

Bullish setup with strong call flow and 80% beat rate. Earnings far out, so IV crush minimal. Key levels: $16.50 call wall, $15 put floor.

Confidence:
9 / 10
base 5; +2 GEX/flow strongly aligned; +1 GEX positive (pinning); +0.5 spot 1.0% from MP; +0.5 VIX 19
Most important: High volume $16.50 call (38.5k) vs $15.50 put (14.3k) suggests bullish positioning.
🟢Bullish call flow dominates, 0.35 P/C vol ratio.
⚠️Earnings 47 days away, long-dated premium low.

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 77,748 (10.0% below spot)

Earnings Overview

Next earnings: 2026-07-28 (47 days)explicit

Expected moves:

  • 2026-06-12 (1d): ±$0.53 (3.1%)
  • 2026-06-18 (7d): ±$1.17 (7.0%)
  • 2026-06-26 (15d): ±$1.57 (9.4%)

IV Setup

Term structure: Front-end ~50-55% IV, back-end lower. Normal shape.

Crush estimate: Minimal, earnings 47 days away.

Skew: Put skew elevated for downside protection.

Historical Context

Beat rate: 80% (4/5 quarters)

Avg move vs expected: Avg 1w move ~±7% vs expected ±9%.

Directional bias: Bullish bias, 80% beat rate.

Key Levels

1$15.00 gamma flip
2EM guardrails: 2d $16.15/$17.20; 1w $15.51/$17.84
3Max pain pins: $16 (2026-06-12); $15 (2026-06-18); $17 (2026-06-26)

Flow Highlights

Large $16.50 call volume 38,584 vs OI 20,106 (1.9x).

Aggressive bullish bet near resistance.

$15.50 put volume 14,336 vs OI 7,898 (1.8x).

Hedging activity at key support.

Strategies

Iron Condor on SOFI
Sell 2026-07-17 $15.00/$14.00 put wing and $16.00/$17.00 call wing
Credit: $0.67-$0.82
Max loss: $0.18
Max gain: $0.82
BE: 14.18 / 16.82
Trigger: Close at 50% max gain or before earnings; monitor gamma near $15.
Best fit given bullish bias but capped upside; front-end IV boosts credit; limited time to earnings allows decay.
Outperforms: Sell $15/$14 put and $16/$17 call wings for premium with defined risk.
Underperforms: Move outside short strikes invalidates range thesis.
Call Diagonal
Sell 2026-06-18 $17.00 call / buy 2026-07-17 $16.00 call
Debit: $1.07-$1.31
Max loss: $1.31
Max gain: Variable
BE: Path-dependent
Trigger: Roll/close if short call goes ITM or before earnings.
Bullish bias with elevated front-end IV; diagonal captures time decay from short call while long call maintains upside.
Outperforms: Sell front-month $17 call, buy back-month $16 call for net debit.
Underperforms: Loss of support or adverse vol term shift weakens thesis.
Bull call spread
Buy 2026-08-21 $18.00/$20.00 call spread
Debit: $0.49-$0.60
Max loss: $0.60
Max gain: $1.40
BE: $18.60
High call wall at $16.50 and put floor at $15 suggest upside bias; bull call spread limits risk.
Outperforms: Bullish on SOFI into earnings with strong call flow and 80% beat rate.
Underperforms: Loss of support weakens upside continuation thesis.

Risk Assessment

!Gamma flip at $15 could accelerate selloff.
!Call OI wall at $20-$25 caps upside.
!High VIX (19.4) adds volatility risk.

What to Watch

?$16.50 call wall and max pain $16.
?Put floor at $15-$15.5 and gamma flip level.
?Net premium $13.1M bullish divergence.
How to Use These Reports
This earnings reflects the market close on June 11, 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.

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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.