TRU-SENTIMENT · DeltaNeutral
SOFI Trading Analysis - 09/11/2026 05:14 PM — TRU-SENTIMENT
Options chain · Stock chart · Baseline chart
SOFI (SoFi Technologies, Inc. Common Stock) at $17.32. True Sentiment Bullish, delta 40-60 call 66% / put 34%, call $2,357,023 vs put $1,196,224. RSI 38.5.
- Symbol
- SOFI
- Price
- $17.32
- Article bias (separate from True Sentiment)
- neutral
- Conviction
- medium
- Published
- 2026-09-11 17:14:00 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: Call dollar volume is $2,357,023, and put dollar volume is $1,196,224. The call/put ratio is 66.3/33.7, which suggests that the sentiment is bullish.
Pure directional positioning: The options flow suggests that traders are positioning for a bullish move 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
- Debt/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/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: $17.32
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 neutral intraday momentum, with the stock trading around its current price.
Technical Analysis:
Technical Indicators
SMA trends: The 5-day SMA is $17.62, 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 38.53, which suggests that the stock is oversold and could 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 $19.29, and the lower band is $16.93. 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: Call dollar volume is $2,357,023, and put dollar volume is $1,196,224. The call/put ratio is 66.3/33.7, which suggests that the sentiment is bullish.
Pure directional positioning: The options flow suggests that traders are positioning for a bullish move in the near term.
Key Price Levels:
- Support: $16.93 (lower Bollinger Band)
- Resistance: $19.29 (upper Bollinger Band)
- Entry: $17.83 (50-day SMA)
- Target: $18.51 (recent high)
- Stop Loss: $16.93 (recent low)
25-Day Price Forecast:
SOFI is projected for $17.50 to $19.00 in 25 days.
Based on the current technical trends, momentum, and indicators, the stock is expected to trade in a range. The 25-day forecast is based on the current SMA trends, RSI momentum, MACD signals, and recent volatility (ATR).
Defined Risk Strategy Recommendations:
Based on the price forecast, here are three defined risk strategy recommendations:
- Bull Call Spread: Buy the $18.00 call and sell the $20.00 call, expiring on 2026-10-16. This strategy has a risk/reward ratio of 1:2.
- Bear Put Spread: Buy the $17.00 put and sell the $15.00 put, expiring on 2026-10-16. This strategy has a risk/reward ratio of 1:2.
- Iron Condor: Sell the $18.00 call, buy the $20.00 call, sell the $15.00 put, and buy the $13.00 put, expiring on 2026-10-16. This strategy has a risk/reward ratio of 1:3.
Risk Factors:
- Technical warning signs: The stock is trading below its 20-day SMA, which could be a resistance level.
- Sentiment divergences: The options flow sentiment is bullish, but the technical indicators suggest a bearish trend.
- Volatility and ATR considerations: 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 is expected to trade in a range, with a potential bullish move in the near term.
View SOFI Options Chain