Share price$16.75
1D-0.9%
Sold putSold callAH
SoFi Technologies, Inc. SOFI
Options history
Table
| Date | IV |
|---|---|
| 53.58% | |
| 53.38% | |
| 51.09% | |
| 68.25% | |
| 46.70% | |
| 47.58% | |
| 47.18% | |
| 44.77% | |
| 48.83% | |
| 42.93% | |
| 47.96% | |
| 46.54% | |
| 47.63% | |
| 58.09% | |
| 48.53% | |
| 51.05% | |
| 54.37% | |
| 51.73% | |
| 51.05% | |
| 46.88% | |
| 47.17% | |
| 47.86% | |
| 47.76% | |
| 48.86% | |
| 45.63% | |
| 50.66% | |
| 50.19% | |
| 49.73% | |
| 44.21% | |
| 48.94% | |
| 51.45% | |
| 50.56% | |
| 45.00% | |
| 41.64% | |
| 44.97% | |
| 46.42% | |
| 46.07% | |
| 46.77% | |
| 42.29% | |
| 45.32% | |
| 44.94% | |
| 43.59% | |
| 44.71% | |
| 43.17% | |
| 45.13% | |
| 45.12% | |
| 44.92% | |
| 46.62% | |
| 47.17% | |
| 49.86% | |
| 50.31% | |
| 58.70% | |
| 58.30% | |
| 61.02% | |
| 62.94% | |
| 63.22% | |
| 63.66% | |
| 67.60% | |
| 71.89% |
Company coverage
Moat
Moderate-to-Strong (Regulatory)SoFi's most critical competitive advantage is its national bank charter (obtained 2022). As fintech "sponsor bank" models face increasing FDIC/OCC scrutiny, SoFi's charter has become a genuine regulatory moat. The charter enables funding loans with…
Physical assets
MinimalSoFi is a digital-first platform with essentially no scarce physical assets. Its "assets" are the bank charter (regulatory, not physical), the technology platform, and the $37.5B deposit base.
Software / hardware
Software98%
Hardware2%
Growth. Bank charter + $37.5B deposit base fund loan origination at 1/3 peer cost while Galileo/Technisys platforms monetize embedded finance across 100M+ third-party accounts. Primary assets. SoFi National Bank charter, $37.5B deposit base, Galileo…
- manual · sw-hw
Growth. Bank charter + $37.5B deposit base fund loan origination at 1/3 peer cost while Galileo/Technisys platforms monetize embedded finance across 100M+ third-party accounts. Primary assets. SoFi National Bank charter, $37.5B d…
- manual · physical-assets
SoFi is a digital-first platform with essentially no scarce physical assets. Its "assets" are the bank charter (regulatory, not physical), the technology platform, and the $37.5B deposit base.
- manual · moat
SoFi's most critical competitive advantage is its national bank charter (obtained 2022). As fintech "sponsor bank" models face increasing FDIC/OCC scrutiny, SoFi's charter has become a genuine regulatory moat. The charter enables…
| Action | Type | Relative size |
|---|---|---|
| SELL | Equity | +100% |
| SELL | CALL option | +17% |
| BUY | Equity | +6% |
| BUY | CALL option | +33% |
| BUY | CALL option | +37% |
| BUY | Equity | +11% |
| BUY | Equity | +3% |
| SELL | Equity | +17% |
| BUY | Equity | +3% |
| BUY | Equity | +2% |
| BUY | Equity | +1% |
| BUY | Equity | +6% |
| BUY | Equity | +3% |
| BUY | Equity | +2% |
| EXPIRED | CALL option | 0% |
| BUY | Equity | +1% |
| BUY | Equity | +1% |
| SELL | CALL option | +0% |
| BUY | Equity | +34% |
| BUY | Equity | +1% |
| BUY | Equity | +2% |
| BUY | Equity | +1% |
| BUY | CALL option | +5% |
| BUY | Equity | +2% |
Notes
Full portfolio moat / asset analysis
SoFi's most critical competitive advantage is its national bank charter (obtained 2022). As fintech "sponsor bank" models face increasing FDIC/OCC scrutiny, SoFi's charter has become a genuine regulatory moat. The charter enables funding loans with low-cost deposits rather than expensive warehouse lines, generating a net interest margin of 5.72%.
Full portfolio moat / asset analysis
SoFi posted its first $1B revenue quarter in Q4 2025 and its ninth consecutive quarter of GAAP profitability. Management guides for $825M net income in 2026. The Galileo and Technisys platforms (banking-as-a-service) add a technology moat layer.