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SoFi Technologies Inc. SOFI

FINANCIAL SERVICES · CREDIT SERVICES
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Market dataready · fetched 2026-10-16T00:18:58.427Z

Delta surfaceAlpaca · derived absolute-delta buckets · 2026-11-20

Calculation methodology

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

FundamentalsAlpha Vantage · quarter 2026-06-30 · fetched 2026-10-16T00:18:57.320910+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.$0.20$0.93$1.66$2.40$3.13$11.73$13.51$15.29$17.06$18.8420Δ25Δ30Δ35Δ40Δ45Δ50Δ55Δ60Δ65Δ70Δ75Δ80ΔOPTION PRICELive SOFI spot · $15.06SOFI PRICE$0.28$0.37$0.47$0.58$0.69$0.84$0.99$1.14$1.34$1.54$1.76$2.09$2.42$0.34$0.45$0.56$0.71$0.85$1.00$1.19$1.39$1.59$1.88$2.17$2.52$2.92
PutsExpensive1.22×
CallsExpensive1.38×
SkewBullish-2.08 pp
Implied moveBearish±$2.18
TiltBearish9.6% PUT
Table
Values and derived Greeks for the plotted delta buckets
DeltaCallsPuts
Pseudo strikeIVB/E movePseudo strikeIVB/E move
20Δ17.8556.5%20.4%13.1558.5%14.9%
25Δ17.3456.4%17.6%13.5757.6%12.9%
30Δ16.8756.5%15.1%13.9956.7%10.8%
35Δ16.4756.6%13.2%14.3356.3%9.5%
40Δ16.0756.7%11.3%14.6855.9%8.2%
45Δ15.7257.0%9.9%15.0255.6%6.9%
50Δ15.3757.4%8.6%15.3655.4%5.9%
55Δ15.0257.8%7.3%15.6955.3%5.0%
60Δ14.6758.2%6.3%16.0455.2%4.1%
65Δ14.3158.7%5.3%16.4455.3%3.4%
70Δ13.9559.3%4.3%16.8355.5%2.6%
75Δ13.5060.9%3.5%17.2955.3%2.0%
80Δ13.0662.5%2.8%17.7855.0%1.3%

20Δ

Calls
Pseudo strike
17.85
IV
56.5%
B/E move
20.4%
Puts
Pseudo strike
13.15
IV
58.5%
B/E move
14.9%

25Δ

Calls
Pseudo strike
17.34
IV
56.4%
B/E move
17.6%
Puts
Pseudo strike
13.57
IV
57.6%
B/E move
12.9%

30Δ

Calls
Pseudo strike
16.87
IV
56.5%
B/E move
15.1%
Puts
Pseudo strike
13.99
IV
56.7%
B/E move
10.8%

35Δ

Calls
Pseudo strike
16.47
IV
56.6%
B/E move
13.2%
Puts
Pseudo strike
14.33
IV
56.3%
B/E move
9.5%

40Δ

Calls
Pseudo strike
16.07
IV
56.7%
B/E move
11.3%
Puts
Pseudo strike
14.68
IV
55.9%
B/E move
8.2%

45Δ

Calls
Pseudo strike
15.72
IV
57.0%
B/E move
9.9%
Puts
Pseudo strike
15.02
IV
55.6%
B/E move
6.9%

50Δ

Calls
Pseudo strike
15.37
IV
57.4%
B/E move
8.6%
Puts
Pseudo strike
15.36
IV
55.4%
B/E move
5.9%

55Δ

Calls
Pseudo strike
15.02
IV
57.8%
B/E move
7.3%
Puts
Pseudo strike
15.69
IV
55.3%
B/E move
5.0%

60Δ

Calls
Pseudo strike
14.67
IV
58.2%
B/E move
6.3%
Puts
Pseudo strike
16.04
IV
55.2%
B/E move
4.1%

65Δ

Calls
Pseudo strike
14.31
IV
58.7%
B/E move
5.3%
Puts
Pseudo strike
16.44
IV
55.3%
B/E move
3.4%

70Δ

Calls
Pseudo strike
13.95
IV
59.3%
B/E move
4.3%
Puts
Pseudo strike
16.83
IV
55.5%
B/E move
2.6%

75Δ

Calls
Pseudo strike
13.50
IV
60.9%
B/E move
3.5%
Puts
Pseudo strike
17.29
IV
55.3%
B/E move
2.0%

80Δ

Calls
Pseudo strike
13.06
IV
62.5%
B/E move
2.8%
Puts
Pseudo strike
17.78
IV
55.0%
B/E move
1.3%

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.