TRU-SENTIMENT · DeltaNeutral
SOFI Trading Analysis - 09/11/2026 02:42 PM — TRU-SENTIMENT
Options chain · Stock chart · Baseline chart
SOFI (SoFi Technologies, Inc. Common Stock) at $17.29. True Sentiment Bullish, delta 40-60 call 69% / put 31%, call $1,852,101 vs put $845,356. RSI 38.2.
- Symbol
- SOFI
- Price
- $17.29
- Article bias (separate from True Sentiment)
- neutral
- Conviction
- medium
- Published
- 2026-09-11 14:42:00 ET
- Author
- DeltaNeutral staff
TRUE SENTIMENT ANALYSIS (DELTA 40-60 OPTIONS)
True Sentiment Analysis (Delta 40-60 Options):Overall options flow sentiment: Bullish
Call vs Put dollar volume: The call dollar volume is $1,852,101, and the put dollar volume is $845,356. The call-to-put ratio suggests that the sentiment is bullish.
Pure directional positioning: The sentiment is bullish, suggesting that traders are expecting the stock to rise in the near term.
Key Statistics: SOFI
Fundamental Snapshot
Valuation
| P/E (Trailing) | 35.12 |
| P/E (Forward) | N/A |
| PEG Ratio | N/A |
| Price/Book | 6.30 |
Profitability
| EPS (Trailing) | $0.49 |
| EPS (Forward) | N/A |
| ROE | 5.74% |
| Net Margin | 104.28% |
Financial Health
| Revenue (TTM) | $610.16M |
| Debt/Equity | 4.50 |
| Free Cash Flow | N/A |
| Rev Growth | N/A |
Analyst Consensus
📈 Analysis
News Headlines & Context:
Recent news headlines for SOFI include:
- SOFI stock price target raised to $25 by Wedbush, citing strong growth prospects in its student loan and fintech businesses.
- SOFI Technologies, Inc. (SOFI) reports Q2 2026 earnings, beating EPS estimates but missing revenue expectations.
- Wedbush analyst reiterates Outperform rating on SOFI, citing improving profitability and growth momentum.
These headlines suggest that SOFI has been experiencing positive momentum, with analysts raising their price targets and reiterating their buy ratings. However, the company's recent earnings report was mixed, which could impact the stock's short-term performance.
Fundamental Analysis:
Based on the provided fundamentals data:
- Revenue: $6,101,620,000
- Trailing EPS: $0.49
- Trailing P/E: 35.12
- Price-to-Book: 6.30
- Debt-to-Equity: 4.50
- Return on Equity (ROE): 5.74%
SOFI's fundamentals indicate a high P/E ratio, which may suggest that the stock is overvalued. However, the company's strong revenue growth and improving profitability could justify its current valuation. The high debt-to-equity ratio is a concern, but the company's ROE suggests that it is generating strong returns on shareholders' equity.
Current Market Position:
Current price: $17.29
Recent price action: The stock has been trading in a range, with a recent high of $18.51 and a low of $16.93.
Intraday momentum: The minute bars show a slight uptrend in the recent sessions.
Technical Analysis:
Technical Indicators
SMA trends: The 5-day SMA is $17.61, the 20-day SMA is $18.11, and the 50-day SMA is $17.83. The stock is currently trading below its 20-day SMA, which could be a resistance level.
RSI: The RSI is 38.22, which suggests that the stock is oversold and may be due for a bounce.
MACD: The MACD is -0.11, which suggests that the stock is in a bearish trend.
Bollinger Bands: The middle band is $18.11, the upper band is $19.30, and the lower band is $16.92. The stock is currently trading near its lower band, which could be a support level.
True Sentiment Analysis (Delta 40-60 Options):
Overall options flow sentiment: Bullish
Call vs Put dollar volume: The call dollar volume is $1,852,101, and the put dollar volume is $845,356. The call-to-put ratio suggests that the sentiment is bullish.
Pure directional positioning: The sentiment is bullish, suggesting that traders are expecting the stock to rise in the near term.
Key Price Levels:
- Support: $16.93 (recent low)
- Resistance: $18.51 (recent high)
- Entry: $17.50
- Target: $19.00
- Stop Loss: $17.00
25-Day Price Forecast:
SOFI is projected for $16.50 to $18.50 in 25 days.
Reasoning: Based on the current technical trends, momentum, and indicators, the stock is expected to trade in a range. The RSI and MACD suggest that the stock may be oversold and due for a bounce. However, the high debt-to-equity ratio and mixed earnings report are concerns that could impact the stock's performance.
Defined Risk Strategy Recommendations:
Based on the price forecast, here are three defined risk strategy recommendations:
- Bull Call Spread: Buy the $17.50 call and sell the $19.00 call. This strategy would profit if the stock rises above $19.00.
- Bear Put Spread: Buy the $17.00 put and sell the $16.00 put. This strategy would profit if the stock falls below $16.00.
- Iron Condor: Sell the $17.50 call and buy the $19.00 call, while selling the $16.00 put and buying the $15.00 put. This strategy would profit if the stock trades in a range.
Risk Factors:
- Technical warning signs: The stock is trading below its 20-day SMA, which could be a resistance level.
- Sentiment divergences: The options sentiment is bullish, but the technical indicators suggest that the stock is in a bearish trend.
- Volatility: The ATR is 0.75, which suggests that the stock is experiencing moderate volatility.
Summary & Conviction Level:
Overall bias: Neutral
Conviction level: Medium
One-line trade idea: SOFI may trade in a range in the near term, with a potential bounce towards $19.00.
View SOFI Options Chain