SOFI (SOFI)
SOFI earns a NEUTRAL verdict as its fair valuation and green validation are offset by a lack of hard floor support and neutral implied-volatility conditions.
- Valuation is tagged fair with a current PE of $40.62 at the 40.4th percentile and a green validation flag; no extreme-low signal is present.
- The floor analysis shows zero valid floors (dividend, valuation, or EPV are all null) and low confidence, with a suitability verdict of route_alternative.
- Implied volatility is neutral (IV rank 63.6%), indicating no exceptional option-trading edge, and there are no active risk alerts or hot events to tip the scale.
BUY-ZONE DECISION rule signal
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RULES & ALERTS FIRING
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VALUATION
Floor Engine
YOUR WATCHLIST CONTEXT
○ anonymous· Your personal floor / golden price overlay on the live price
· Per-ticker rule alerts when this stock crosses your thresholds
· Position P&L overlay — what this ticker means inside your full portfolio
IMPLIED VOLATILITY
Earnings Reactions
| Date | Time | EPS | Surprise | Gap% | Day% | Week% |
|---|---|---|---|---|---|---|
| 2026-04-27 | AMC | 0.12 | -4.2% | -1.95% | -2.13% | -14.61% |
| 2026-01-30 | BMO | 0.12 | +8.7% | +4.39% | -6.36% | -14.37% |
| 2025-10-28 | BMO | 0.10 | +23.0% | +3.30% | +5.53% | -2.10% |
| 2025-07-29 | BMO | 0.09 | +44.7% | +9.94% | +6.57% | +2.47% |
| 2025-04-29 | BMO | 0.06 | +93.9% | +7.05% | +0.53% | -3.56% |
| 2025-01-27 | BMO | 0.05 | +36.4% | -11.10% | -10.27% | -14.06% |
| 2024-10-29 | BMO | 0.05 | +15.2% | -3.93% | -6.43% | +2.06% |
| 2024-07-30 | BMO | 0.02 | +60.0% | +3.41% | +1.23% | -12.28% |
Is SOFI (SOFI) overvalued right now?
SOFI (SOFI) is currently trading at a trailing P/E of 40.6, sitting at the 40th percentile of its 5-year valuation history. A high percentile suggests the market is pricing the stock above its own historical norm — useful context before sizing a new position or selling premium against it.
SOFI (SOFI) — what's the SELL PUT risk profile?
Selling cash-secured puts on SOFI (SOFI) is a common income strategy, but the right strike depends on your floor price (the level you'd happily own at) and the option chain's buffer/APY tradeoff. The full ladder view (deferred to a future release) ranks candidates by buffer percentage first, then APY — see the option ladder methodology for why buffer matters more than yield in this strategy.
SOFI (SOFI) — which option strategy fits your view?
If you're bullish long-term but cautious near-term on SOFI (SOFI), SELL PUT into your floor zone collects premium while waiting for a better entry. If you already own it and are neutral-to-mildly-bullish, COVERED CALL caps upside but harvests time decay. The wrong strategy on the right ticker still loses money — match the trade to your view, not the other way around.
SOFI (SOFI) — is now a good entry?
Entry timing on SOFI (SOFI) is a function of your floor price (hard buy zone) and golden price (back-the-truck-up zone). Both are personal — set them in your watchlist and we'll alert you when the market hits either level.
FAQ
Why does SOFI show different P/E numbers on different sites?
Different data providers use different earnings windows (TTM vs forward, GAAP vs adjusted) and update at different cadences. We surface trailing P/E with a 5-year percentile rank to give context — a P/E of 30 is hot for one stock and cold for another.
Does this page show SOFI's implied volatility?
Not on this v0 page — the dedicated volatility tool covers IV with multi-source voting (IBKR + Polygon + yfinance). For pure IV lookup, use /tools/volatility. This page is for decision-stage queries that pull together valuation + portfolio context.
How is this different from Yahoo Finance or 雪球's SOFI page?
Those sites are great for raw data discovery — last price, news, headline P/E. This page is built for the second look: you've already seen a single-dimension signal somewhere else, now you need multi-dimensional decision context (your floor, the valuation percentile, your portfolio overlay) in one view, not five tabs.