SOFISoFi Technologies, Inc. Common Stock
Options Analysis Report•FINANCE SERVICES
Market Cap $23.4B|NASDAQ
● 2026-04-30$15.53
BULLISH
Analysis: 2026-04-29 EOD data
1Y +24.1%YTD -43.5%7D -15.3%
Options Vol
1,054,141
30D
Implied Move
±16.5%
IV Rank
28%
SOFI Options Overview
IV is elevated with unusual activity. Conditions favor premium sellers.
REWARDS
RISK ANALYSIS
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Value
Is IV priced right?
5.3
ExpensiveCheap
Measures whether options are cheap, fair, or rich relative to historical and peer
IV
levels.Risk Checks4/9 checks passed
IV Rank
≤35%IV Rank 77.7% — elevated vs history
IV/HV Ratio
<1.05xIV/HV 0.82x — IV ≤ HV
Sector Relative≤50%
Sector percentile 89% — above sector median
Term Structure
<1.1xFront/Back 1.20x — backwardation
Skew Normal
<1.25xPut/Call IV 1.16x — elevated
Absolute IV
<80%ATM IV 61.8% — normal range
Spread-Adjusted Value
<80%Effective IV 71.9% (ATM 61.8% + spread 5.0% + bias) — fair
Execution Efficiency
<3.0%Total drag 9.30% (spread 5.03% + slippage 4.27%) — high friction
Vega Efficiency
≥5.0Vega efficiency 3.51 (vega 1.765 / spread 5.03%) — spread drag
Sentiment
Bullish or bearish?
6.2
BearishBullish
Analyzes
put/call ratios
, open interest skew
, and flow direction to determine market bias.Risk ChecksNeutral - Moderate signal (Conviction: -7%, Raw: -8%)
Flow Direction
|net sentiment| ≥25%Conviction-weighted: -7% (neutral) — Raw: -8%
OI Skew Magnitude
≥15%|OI skew| 31.3% — call-heavy
Volume-OI Alignment
Same sign, |vol skew| ≥10%Vol skew +43.1%, OI skew +31.3% — aligned
Conviction Quality
≥2/3 conditions0-DTE 27%, far-OTM 15%, avg DTE 30
OI Momentum
|change| ≥3%OI change +0.0% (5d) — stable
Smart Money Flow
|weighted flow| ≥20%ITM: +4%, ATM: -4%, OTM: -10% — neutral (ITM/ATM divergent)
Sector Relative≤40% or ≥60%
Sector P/C percentile 17% — very bullish vs sector
Activity
Unusual activity?
7.3
QuietActive
Detects volume surges,
block trades
, and unusual options activity that may signal moves.Risk Checks6/9 checks passed
Volume Surge
≥1.5xVolume 2.8x avg — hot
Turnover Rate
≥15%Vol/OI 22.8% — high 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 +6.6% (5d) — building
Sector Relative≥60%
Sector activity percentile 95% — very active vs sector
Trade Quality
≥30%Large trade volume 35% — institutional presence
Execution Urgency
≥60%Aggressive execution 68% — urgent
Flow Conviction
≥30Conviction -7 (bearish) — mixed
Liquidity
Can I trade efficiently?
6.8
IlliquidLiquid
Evaluates
bid-ask spreads
, volume depth, and open interest for trade execution quality.Risk Checks4/8 checks passed
Tradeable Spread
≤5.0%Spread 5.0% — wide
Adequate OI
≥10,000OI 4,634,118 — deep
Active Volume
≥500Volume 1,054,141/day — active
Reasonable Cost
≤$0.50$0.25 to cross — cheap
Strike Coverage
≥5 strikes0 liquid strikes — limited options
Sector Relative≤40%
Sector spread percentile 91% — much wider than sector
Order Book Depth
≥100 contractsDepth 993.1999999999999 contracts (bid:451.4 ask:541.8) — deep
Execution Quality
<1.0%Avg slippage 4.27% — poor
Timing
Is now a good time?
7.8
RiskyFavorable
Considers earnings proximity,
time decay
, and event calendar for optimal entry timing.Risk Checks8/9 checks passed
Term Structure Clarity
|slope| ≥5%Slope +20.3% — backwardation
IV Percentile Clarity
<30 or >70IV percentile 78% — seller opportunity
Event Detection
≥10pts kinkIV kink 11.9pts — event priced
Theta/Vega Clarity
<0.5 or >2.0θ/ν ratio 101.44 — favors income trades
Expiration Distribution
≥3 expirations3 liquid expirations — flexible
Event Risk
≥60% (safe)safe window: No earnings detected
Spread Momentum
<1.2 ratioSpread ratio 1.00x — stable
Flow Momentum
≥25% strength + ≥50% consistencyFlow -7% @ 54% consistency — unclear
Smart Money Timing
≥40 composite scoreScore 65 (ITM 20% + inst 35%) — HIGH institutional
Directional Strategy Fit
Option Buyers
Long Calls6.2
bullishIV fair, bullish flow
Long Puts5.4
bearishIV fair, bullish flow
Premium Sellers
Cash-Secured Put5.7
bullishIV fair, bullish flow
Covered Call5.2
bearishIV fair, bullish flow
For educational purposes only. Not investment advice.