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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 15, 2026
DirectionalTheta GangFlowEarningsConsensus

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

Earnings Verdict

SOFI earnings 43d away; 80% beat rate; bullish flow with 0.37 P/C vol ratio; IV elevated.

Confidence:
8 / 10
base 5; +2 GEX/flow strongly aligned; +1 GEX positive (pinning); -1 spot 14.2% from MP; +1 VIX 16
Most important: Monitor gamma flip at $15; call wall $18-$25; put floor $15.
🐂Aggressive call buying at $17.5 and $18-$20 strikes suggests bullish conviction.
⚠️Spot trading 14% above max pain ($15) — gamma drag possible.
📉Put/call volume ratio 0.37 — lowest in weeks, extreme call dominance.

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 77,792 (12.4% below spot)

Earnings Overview

Next earnings: 2026-07-28 (43 days)explicit

Expected moves:

  • 2026-06-18 (3d): ±$0.82 (4.8%)
  • 2026-06-26 (11d): ±$1.30 (7.6%)
  • 2026-07-02 (17d): ±$1.62 (9.5%)

IV Setup

Term structure: Steep: 3d ±4.8%, 11d ±7.6%, 17d ±9.5%.

Crush estimate: Significant: expected 50-70% IV drop post-event.

Skew: Call-skewed with heavy OI at $18-$25; low put demand.

Historical Context

Beat rate: 80% (4/5 quarters)

Avg move vs expected: 80% beat rate suggests potential upward surprise.

Directional bias: Bullish bias historically and in current flow.

Key Levels

1$15.00 gamma flip
2EM guardrails: 2d $16.31/$17.95
3Max pain pins: $15 (2026-06-18); $17 (2026-06-26); $17 (2026-07-02)

Flow Highlights

Heavy call buying at $17.50 2026-06-18 (26k vol, 13k OI).

Bullish near-term positioning ahead of event.

Unusual put activity at $12.50 2026-06-26 (10x vol/OI).

Hedging or bearish tail risk, but small notional.

Strategies

Iron Condor on SOFI
Sell 2026-07-17 $16.00/$15.00 put wing and $18.00/$19.00 call wing
Credit: $0.51-$0.62
Max loss: $0.38
Max gain: $0.62
BE: 15.38 / 18.62
Trigger: Close at 50% max profit or before earnings to avoid tail risk.
Benefit from IV crush and range-bound move with defined risk, best suited for high IV environment with expected 50-70% IV drop.
Outperforms: Sell put spread at $16/$15 and call spread at $18/$19 to capture premium decay.
Underperforms: Move outside short strikes invalidates range thesis.
Short Strangle on SOFI
Sell 2026-07-17 $16.00 put + sell $18.00 call
Credit: $1.25-$1.52
Max loss: Unlimited
Max gain: $1.52
BE: 14.48 / 19.52
Trigger: Set stop-loss at 2x credit received; close before earnings for tail risk.
Higher premium than iron condor but unlimited loss risk; suitable only if strong conviction of limited move.
Outperforms: Sell $16 put and $18 call to collect elevated premium from high IV.
Underperforms: Break outside short strikes invalidates short-vol thesis.

Risk Assessment

!Spot 14% above max pain ($15) may attract pin action.
!Gamma flip at $15 could accelerate downside if broken.
!High VIX (16) amid rate-sensitive fintech sector.

What to Watch

?Close above $18 resistance for bullish breakout.
?Break below $17.50 support may test $15 gamma flip.
?Earnings date 7/28: IV expansion likely as event nears.
How to Use These Reports
This earnings reflects the market close on June 15, 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.