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SoFi Technologies Inc. SOFI

FINANCIAL SERVICES · CREDIT SERVICES
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Market dataready · fetched 2026-10-16T02:53:20.277Z

Delta surfaceAlpaca · derived absolute-delta buckets · 2026-10-16

Calculation methodology

PriceAlpaca · sip · 2026-10-15T23:59:40.833564611Z

FundamentalsAlpha Vantage · quarter 2026-06-30 · fetched 2026-10-16T02:53:19.767186+00:00

Research2026-08-31 · 98 entries · 189 trades · 111 option records · 1443 price bars

Share price$15.06
1D+7.6%
AH$13.79$14.15$14.50$14.86$15.215:30 AM6:30 AM9:00 AM1:00 PM2:00 PMSOFI
Sold putSold callAH

SoFi Technologies Inc. options

Live interpolated SOFI call and put midpoint premiums by absolute delta.SoFi Technologies Inc.$0.04$0.18$0.32$0.45$0.59$13.66$14.25$14.84$15.43$16.0220Δ25Δ30Δ35Δ40Δ45Δ50Δ55Δ60Δ65Δ70Δ75Δ80ΔOPTION PRICELive SOFI spot · $15.06SOFI PRICE$0.06$0.08$0.10$0.13$0.15$0.17$0.20$0.22$0.28$0.35$0.42$0.48$0.55$0.06$0.08$0.10$0.12$0.14$0.16$0.20$0.24$0.28$0.31$0.35$0.39$0.43
PutsExpensive1.54×
CallsCheap0.59×
SkewBullish-7.15 pp
Implied moveBalanced±$0.40
TiltBullish5.8% CALL
Table
Values and derived Greeks for the plotted delta buckets
DeltaCallsPuts
Pseudo strikeIVB/E movePseudo strikeIVB/E move
20Δ15.5063.7%3.3%14.6164.0%3.4%
25Δ15.4363.4%3.0%14.6962.6%3.0%
30Δ15.3663.1%2.7%14.7761.1%2.6%
35Δ15.2962.7%2.4%14.8559.7%2.1%
40Δ15.2262.4%2.1%14.9458.2%1.7%
45Δ15.1562.1%1.8%15.0157.0%1.4%
50Δ15.0861.8%1.4%15.0756.4%1.2%
55Δ15.0161.4%1.1%15.1355.8%1.1%
60Δ14.9363.2%1.0%15.2055.2%0.9%
65Δ14.8465.3%0.8%15.2654.6%0.8%
70Δ14.7567.4%0.7%15.3254.0%0.6%
75Δ14.6669.5%0.6%15.3853.4%0.5%
80Δ14.5871.7%0.4%15.4452.8%0.3%

20Δ

Calls
Pseudo strike
15.50
IV
63.7%
B/E move
3.3%
Puts
Pseudo strike
14.61
IV
64.0%
B/E move
3.4%

25Δ

Calls
Pseudo strike
15.43
IV
63.4%
B/E move
3.0%
Puts
Pseudo strike
14.69
IV
62.6%
B/E move
3.0%

30Δ

Calls
Pseudo strike
15.36
IV
63.1%
B/E move
2.7%
Puts
Pseudo strike
14.77
IV
61.1%
B/E move
2.6%

35Δ

Calls
Pseudo strike
15.29
IV
62.7%
B/E move
2.4%
Puts
Pseudo strike
14.85
IV
59.7%
B/E move
2.1%

40Δ

Calls
Pseudo strike
15.22
IV
62.4%
B/E move
2.1%
Puts
Pseudo strike
14.94
IV
58.2%
B/E move
1.7%

45Δ

Calls
Pseudo strike
15.15
IV
62.1%
B/E move
1.8%
Puts
Pseudo strike
15.01
IV
57.0%
B/E move
1.4%

50Δ

Calls
Pseudo strike
15.08
IV
61.8%
B/E move
1.4%
Puts
Pseudo strike
15.07
IV
56.4%
B/E move
1.2%

55Δ

Calls
Pseudo strike
15.01
IV
61.4%
B/E move
1.1%
Puts
Pseudo strike
15.13
IV
55.8%
B/E move
1.1%

60Δ

Calls
Pseudo strike
14.93
IV
63.2%
B/E move
1.0%
Puts
Pseudo strike
15.20
IV
55.2%
B/E move
0.9%

65Δ

Calls
Pseudo strike
14.84
IV
65.3%
B/E move
0.8%
Puts
Pseudo strike
15.26
IV
54.6%
B/E move
0.8%

70Δ

Calls
Pseudo strike
14.75
IV
67.4%
B/E move
0.7%
Puts
Pseudo strike
15.32
IV
54.0%
B/E move
0.6%

75Δ

Calls
Pseudo strike
14.66
IV
69.5%
B/E move
0.6%
Puts
Pseudo strike
15.38
IV
53.4%
B/E move
0.5%

80Δ

Calls
Pseudo strike
14.58
IV
71.7%
B/E move
0.4%
Puts
Pseudo strike
15.44
IV
52.8%
B/E move
0.3%

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

Minimal

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.

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…

Latest entries
  1. 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…

  2. 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.

  3. 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…

Recent records
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.