The options market is pricing a — move for SOFI's 2026-10-27 · after close report. Over its last 8 reports, SOFI has actually moved ±7.5% on average (biggest: ±15.4%). That's a 0.81× realized-vs-implied ratio, so the options look overpriced — SOFI has historically moved less than what's priced, which favors selling premium (iron condor / credit spreads) if you have an edge. It has exceeded the implied move in 25% of those prints, beaten EPS estimates 88% of the time (8 quarters), and the 1-day reaction has been negative 38% of the time (avg -4.3%).
This is a data-driven edge, not a prediction of direction — earnings are binary events and any single print can gap either way. Position and size accordingly.
| Report | Est EPS | Actual | Result | Implied | 1d move | 1w move |
|---|---|---|---|---|---|---|
| 2026-07-29 | 0.11 | 0.12 | beat | ±8.3% | -8.9% | — |
| 2026-04-29 | 0.12 | 0.12 | inline | ±8.6% | -15.4% | -12.7% |
| 2026-01-30 | 0.12 | 0.13 | beat | ±6.7% | -6.4% | -20.1% |
| 2025-10-28 | 0.09 | 0.11 | beat | ±9.9% | +5.5% | +2.1% |
| 2025-07-29 | 0.06 | 0.08 | beat | ±8.4% | +6.6% | +3.8% |
| 2025-04-29 | 0.03 | 0.06 | beat | ±10.8% | +0.5% | -2.6% |
| 2025-01-27 | 0.04 | 0.05 | beat | ±11% | -10.3% | -11.9% |
| 2024-10-29 | 0.04 | 0.05 | beat | ±10.5% | -6.4% | -2.5% |
Historical implied vs actual moves & EPS beats/misses via Unusual Whales.
SOFI is scheduled to report on 2026-10-27, after the close. Dates can shift until the company confirms.
The expected move is the size of the post-earnings swing the options market is pricing in (from the ATM straddle). We show SOFI's live.
Over its last 8 reports, SOFI has beaten EPS estimates 88% of the time. A beat doesn't guarantee an up move — the reaction depends on guidance and how much was already priced in.
Over the last 8 reports, SOFI moved ±7.5% on average versus a ±9.3% implied move — a 0.81× ratio, so the options have been rich (it moves less than priced). It exceeded the implied move 25% of the time.
Expected moves, gamma levels and the day's setups before the open — free.
See SOFI's positioning too: SOFI gamma exposure → · SOFI options flow →
The premium earnings board ranks every upcoming report by the biggest realized-vs-implied edge — where the options are mispriced vs how the stock actually moves — with the play on each.
Data via Unusual Whales · refreshes each session · educational, not financial advice · earnings are binary events with substantial risk.
