SOFISoFi Technologies, Inc. Common Stock
Options Analysis Report•FINANCE SERVICES
Market Cap $21.3B|NASDAQ
● 2026-06-12$16.58
BULLISH
Analysis: 2026-06-11 EOD data
1Y +11.3%YTD -39.6%7D +3.4%
Options Vol
327,214
30D
Implied Move
±16.8%
IV Rank
37%
SOFI Options Overview
IV is elevated with bullish flow and unusual activity. No clear edge detected.
REWARDS
RISK ANALYSIS
Loading score history...
Value
Is IV priced right?
5.2
ExpensiveCheap
Measures whether options are cheap, fair, or rich relative to historical and peer
IV
levels.Risk Checks5/9 checks passed
IV Rank
≤35%IV Rank 79.4% — elevated vs history
IV/HV Ratio
<1.05xIV/HV 1.05x — IV premium over HV
Sector Relative≤50%
Sector percentile 88% — above sector median
Term Structure
<1.1xFront/Back 0.94x — contango
Skew Normal
<1.25xPut/Call IV 1.16x — elevated
Absolute IV
<80%ATM IV 64.9% — normal range
Spread-Adjusted Value
<80%Effective IV 76.4% (ATM 64.9% + spread 5.8% + bias) — fair
Execution Efficiency
<3.0%Total drag 10.07% (spread 5.76% + slippage 4.31%) — high friction
Vega Efficiency
≥5.0Vega efficiency 9.64 (vega 5.553 / spread 5.76%) — efficient
Sentiment
Bullish or bearish?
6.7
BearishBullish
Analyzes
put/call ratios
, open interest skew
, and flow direction to determine market bias.Risk ChecksNeutral - Moderate signal (Conviction: +6%, Raw: +8%)
Flow Direction
|net sentiment| ≥25%Conviction-weighted: +6% (neutral) — Raw: +8%
OI Skew Magnitude
≥15%|OI skew| 35.0% — call-heavy
Volume-OI Alignment
Same sign, |vol skew| ≥10%Vol skew +51.8%, OI skew +35.0% — aligned
Conviction Quality
≥2/3 conditions0-DTE 44%, far-OTM 15%, avg DTE 30
OI Momentum
|change| ≥3%OI change +0.0% (5d) — stable
Smart Money Flow
|weighted flow| ≥20%ITM: -5%, ATM: +5%, OTM: +11% — neutral (ITM/ATM divergent)
Sector Relative≤40% or ≥60%
Sector P/C percentile 17% — very bullish vs sector
Activity
Unusual activity?
4.7
QuietActive
Detects volume surges,
block trades
, and unusual options activity that may signal moves.Risk Checks3/9 checks passed
Volume Surge
≥1.5xVolume 0.8x avg — normal
Turnover Rate
≥15%Vol/OI 7.1% — normal turnover
Strike Concentration
≥60%Top 3 strikes = 50% — dispersed
Multi-Day Persistence
≥2 days1 day(s) elevated — may be one-day event
OI Build
≥5%OI change +3.9% (5d) — building
Sector Relative≥60%
Sector activity percentile 82% — very active vs sector
Trade Quality
≥30%Large trade volume 31% — institutional presence
Execution Urgency
≥60%Aggressive execution 65% — urgent
Flow Conviction
≥30Conviction +6 (bullish) — mixed
Liquidity
Can I trade efficiently?
6.2
IlliquidLiquid
Evaluates
bid-ask spreads
, volume depth, and open interest for trade execution quality.Risk Checks4/8 checks passed
Tradeable Spread
≤5.0%Spread 5.8% — wide
Adequate OI
≥10,000OI 4,613,232 — deep
Active Volume
≥500Volume 327,214/day — active
Reasonable Cost
≤$0.50$0.29 to cross — cheap
Strike Coverage
≥5 strikes0 liquid strikes — limited options
Sector Relative≤40%
Sector spread percentile 90% — much wider than sector
Order Book Depth
≥100 contractsDepth 1,145.6999999999998 contracts (bid:603.9 ask:541.8) — deep
Execution Quality
<1.0%Avg slippage 4.31% — poor
Timing
Is now a good time?
7.1
RiskyFavorable
Considers earnings proximity,
time decay
, and event calendar for optimal entry timing.Risk Checks7/9 checks passed
Term Structure Clarity
|slope| ≥5%Slope -6.4% — contango
IV Percentile Clarity
<30 or >70IV percentile 79% — seller opportunity
Event Detection
≥10pts kinkIV kink -1.9pts — no clear event
Theta/Vega Clarity
<0.5 or >2.0θ/ν ratio 750.42 — favors income trades
Expiration Distribution
≥3 expirations5 liquid expirations — flexible
Event Risk
≥60% (safe)acceptable: No earnings detected; FOMC in 5d
Spread Momentum
<1.2 ratioSpread ratio 1.00x — stable
Flow Momentum
≥25% strength + ≥50% consistencyFlow +6% @ 53% consistency — unclear
Smart Money Timing
≥40 composite scoreScore 61 (ITM 20% + inst 31%) — HIGH institutional
Directional Strategy Fit
Option Buyers
Long Calls6.2
bullishIV fair, bullish flow
Long Puts5.0
bearishIV fair, bullish flow
Premium Sellers
Cash-Secured Put5.8
bullishIV fair, bullish flow
Covered Call4.9
bearishIV fair, bullish flow
For educational purposes only. Not investment advice.