Finance · Finance
SOFI Implied Volatility, IV Rank & Options Chain
SoFi Technologies Inc. (SOFI) options data: IV rank, options chain, GEX and Greeks. Comprehensive options market data for SoFi Technologies Inc.
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SOFI options trade with implied volatility typically in the 40% - 90% range, averaging 300K+ contracts in daily volume with very good liquidity. Next earnings: See earnings calendar. Weekly options and LEAPS are available.
SOFI live implied volatility
Refreshed every 15 minAs of 12:16 p.m. ET, Oct 27, 2026, SOFI's 30-day implied volatility is 46.0%, placing its 1-year IV percentile at 7 — above 7% of the past year's daily IV readings, a low-IV, premium-buying regime favoring long calls/puts and debit spreads.
SOFI live chain, Greeks and GEX
TerminalEvery figure above is reference data. The live SOFI chain, its Greeks, the gamma profile and the flow tape update through the session inside the Terminal.
SOFI options at a glance
- Daily volume
- 300K+ contracts
- IV range
- 40% - 90%
- Bid-ask spread
- $0.01 - $0.02 ATM
- Expirations
- Weekly, monthly, LEAPS
- Open interest
- 3M+ contracts
- Next earnings
- See earnings calendar
About SoFi Technologies Inc. (SOFI)
SoFi Technologies is a digital personal finance company offering student and personal loans, mortgages, investing, banking, and insurance products. The company aims to be a one-stop financial services platform with its mobile app and bank charter.
Company profile
- Sector
- Finance
- Industry
- Financial Services
- Market cap
- $15B+
- Exchange
- NASDAQ
Key dates
- Next earnings
- See earnings calendar
- Earnings frequency
- Quarterly
- Dividend schedule
- None
- Fiscal year end
- December
SoFi is a leading fintech challenger bank targeting millennials and Gen Z. The company's bank charter allows it to hold deposits and lend more profitably than non-bank fintechs.
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SOFI options market overview
SOFI options are highly liquid with strong retail participation. The stock's volatility and growth story make it popular for both directional bets and premium selling.
- Average daily volume
- 300K+ contracts
- Total open interest
- 3M+ contracts
- Put/call ratio
- 0.65 - 0.95 typical
- Typical ATM spread
- $0.01 - $0.02 ATM
- Weekly options
- Available
- LEAPS available
- Yes
Liquidity assessment: Very Good
SOFI options have strong liquidity with tight spreads. High retail interest drives substantial trading volume.
SOFI implied volatility and IV rank
SoFi implied volatility is elevated due to the company's growth profile, interest rate sensitivity, and fintech competitive dynamics. Earnings reactions can be significant.
Earnings impact
IV rises before earnings. Member growth, revenue, and path to profitability are key metrics. Moves of 10-20% post-earnings are possible.
The move options are pricing for the next report, and how the last 12 went: SOFI earnings expected move.
The post-earnings volatility drop is known as IV crush. Holders of short SOFI options should also understand early assignment risk around dividends and expiration.
Historical volatility vs IV
SOFI IV tends to trade at a premium given growth uncertainty and fintech competitive dynamics.
Term structure
Often inverted around earnings. Can steepen during quiet periods.
The smile, the term structure and the cone for SOFI, on today's chain.
Open SOFI in IV IntelligenceSOFI gamma exposure (GEX)
Gamma Exposure (GEX) analysis for SOFI shows retail-driven positioning that can influence price behavior at key levels.
- Typical GEX profile. SOFI gamma exposure is meaningful given retail interest. Positioning tends to concentrate at round number strikes.
- Key levels. Major strikes form at $1-2 increments given the stock's price. Round numbers have concentrated open interest.
- Dealer hedging. SOFI dealer hedging can amplify moves during high-volume sessions.
Where the gamma sits on SOFI right now, strike by strike.
See live SOFI GEXCommon SOFI options strategies
These are strategies commonly used by traders on SOFI options, based on typical market characteristics. This is not investment advice.
Key considerations for SOFI options
- Interest rates significantly impact SOFI - rate cuts are typically bullish for growth fintechs
- Member growth and engagement metrics are closely watched
- Path to profitability is a key narrative - GAAP profitability is a major milestone
- Student loan refinancing business is sensitive to federal policy
- No dividend means no early assignment risk from dividends
- Competition from traditional banks and other fintechs creates ongoing pressure
SOFI key events
Earnings months. January/February, April/May, July/August, October/November
- FOMC Meetings (rate sensitive)
- Bank Charter Developments
- Product Launches
- Student Loan Policy Updates
SOFI options data by API, or in Claude
Every number on this page is one request away. The implied volatility API returns SOFI's IV rank and percentile, the gamma exposure API its dealer positioning by strike, and the chain API every strike with Greeks. Connected to the ApexVol MCP server, Claude, Cursor or ChatGPT can ask for them in plain English.
curl -H "Authorization: Bearer avmcp_YOUR_TOKEN" \
"https://apexvol.com/api/mcp/data/iv-rank/SOFI"What is SOFI's IV rank right now, and where is its gamma flip?
Claude calls get_iv_rank and get_gexTry GEX on SOFI in the console, more prompts for SOFI, or set the server up in Claude Desktop, Claude Code, Cursor or ChatGPT.
- Written by
- ApexVol Research Team
Quantitative options research. All calculations use live institutional-grade data — the same source professional volatility desks use. - Reviewed by
- Ryan Silk, ApexVol Founder
Reviewed for technical accuracy. 10+ years trading options; built ApexVol's pricing engine, Greeks model and IV-rank methodology.
Revised as market conditions and institutional data change. Last revised 2026-10-26. How we research →
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Questions
Frequently asked
about SOFI options.
How liquid are SOFI options?
SOFI options have strong liquidity with average daily volume exceeding 300,000 contracts. At-the-money options have spreads of $0.01-0.02, and open interest exceeds 3 million contracts.
What is SOFI's typical implied volatility?
SOFI implied volatility typically ranges from 40% to 90%. Normal conditions see IV between 50-65%. IV spikes around earnings and can exceed 80% during volatile periods.
How do interest rates affect SOFI?
Interest rates significantly impact SOFI. Rate cuts are typically bullish as they lower funding costs and support growth stock valuations. Rate hikes pressure the stock through higher costs and lower valuations.
When does SoFi report earnings?
SoFi reports quarterly earnings in late January/early February, April/May, July/August, and October/November. Key metrics include member growth, revenue, and profitability progress.
Does SOFI pay dividends?
No, SoFi does not pay dividends. The company is focused on growth and reaching consistent profitability. This simplifies options strategies as there's no dividend-related assignment risk.
What is SoFi's bank charter advantage?
SoFi's bank charter allows it to hold deposits and lend more profitably than non-bank fintechs. The charter provides lower funding costs and greater lending flexibility, improving unit economics.
What affects SOFI options pricing?
SOFI options pricing is driven by interest rate expectations, member growth, profitability progress, and fintech competitive dynamics. Fed policy has an outsized impact on the stock.
Are LEAPS available for SOFI?
Yes, SOFI LEAPS are available with expirations extending 2+ years. They offer long-term fintech exposure for believers in SoFi's growth story.
What is SOFI's gamma exposure (GEX)?
Gamma exposure (GEX) measures how options dealers' hedging of their net gamma position can influence SOFI's intraday price action. SOFI gamma exposure is meaningful given retail interest. Positioning tends to concentrate at round number strikes. SOFI dealer hedging can amplify moves during high-volume sessions. Positive GEX tends to dampen volatility and create mean-reverting moves, while negative GEX can amplify swings. View live SOFI GEX levels and the gamma-flip point on ApexVol.
What is SOFI's IV rank?
SOFI's IV rank shows where SOFI's current implied volatility sits within its trailing 1-year range, scored 0–100. A reading near 100 means IV is near its yearly high — options are relatively expensive, which favors premium-selling strategies like credit spreads and iron condors. A reading near 0 means IV is near its yearly low, favoring premium-buying. SOFI implied volatility typically ranges from 40% - 90%. Check SOFI's live IV rank and percentile on ApexVol's IV analytics.
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