SOFI Options History — December 2025

In December 2025, SOFI traded between $25.38 and $29.76. ATM implied volatility averaged 55.3%, placing in the 11.8% IV rank vs the trailing year. The 30-day expected move averaged 15.8%. IV traded below realized volatility by 3.3% (HV 20d: 58.7%). Max pain ranged from $12.00 to $26.00. Net GEX was positive for 21 of 22 trading days. Term structure was in contango for 19 of 22 days. Put/call ratio averaged 0.63.

Notable Days

2025-12-05: Highest Volume — 999,663 contracts
2025-12-29: Largest IV spike — 8.3% change
2025-12-01: Highest IV Rank — 21.1%
2025-12-01: Largest Expected Move — 18.8%

Monthly Statistics

Metric	Avg	Min	Max	Open	Close
Price	$27.33	$25.38	$29.76	$29.16	$26.23
Max Pain	$16.27	$12.00	$26.00	$26.00	$16.00
ATM IV	55.3%	47.2%	61.8%	61.8%	58.6%
Expected Move	15.8%	13.1%	18.8%	18.8%	13.1%
HV 20d	58.7%	40.0%	79.1%	79.1%	40.0%
HV 60d	63.9%	62.6%	64.8%	63.2%	62.6%
IV Rank	11.8%	0.0%	21.1%	21.1%	16.5%
IV Percentile	24.0%	0.0%	48.0%	48.0%	40.9%
Term Structure	2.9%	-1.8%	12.1%	0.4%	2.5%
VWIV	56.2%	47.0%	68.7%	68.7%	47.2%
Skew 25d	2.2%	0.3%	4.5%	4.5%	0.7%
Skew 10d	6.2%	2.1%	10.1%	10.1%	4.5%
Call IV 25d	55.0%	46.8%	60.8%	59.6%	58.8%
Put IV 25d	57.2%	47.9%	64.2%	64.2%	59.4%
Bid-Ask Spread %	11.18	7.53	19.75	7.53	10.08
Gamma HHI	0.08	0.07	0.10	0.09	0.08
Net GEX	21.2M	-2.1M	48.1M	44.5M	2.2M
Net DEX	-3.13B	-4.35B	-2.23B	-4.06B	-2.53B
Net VEX	-15.6M	-16.1M	-14.7M	-15.9M	-14.7M
Div Yield	0.0%	0.0%	0.0%	0.0%	0.0%
P/C Ratio	0.63	0.37	0.98	0.85	0.64
Total Volume	342,931.409	116,928	999,663	272,024	196,170
Total OI	4,280,052.455	3,935,964	4,674,593	4,031,788	4,076,622

Daily Data (22 trading days)

Date	Price	Max Pain	ATM IV	Exp Move	HV 20d	IV Rank	VWIV	Skew 25d	Term Str	GEX	DEX	VEX	P/C	Spread %	Call Vol	Put Vol	Call OI	Put OI
2025-12-01	$29.16	$26.00	61.8%	18.8%	79.1%	21.1%	68.7%	4.5%	0.4%	44.5M	-4.06B	-15.9M	0.85	7.53	147,080	124,944	2,475,722	1,556,066
2025-12-02	$29.76	$26.00	60.5%	18.6%	78.2%	19.3%	66.2%	2.8%	0.7%	48.1M	-4.35B	-15.9M	0.41	10.63	362,842	149,588	2,500,837	1,611,083
2025-12-03	$29.05	$26.00	61.3%	18.7%	78.1%	20.4%	66.6%	3.5%	0.6%	40.9M	-3.91B	-16.1M	0.69	11.29	146,256	101,614	2,546,001	1,644,203
2025-12-04	$29.35	$12.00	60.4%	18.1%	78.2%	19.1%	63.1%	3.0%	2.8%	42.4M	-4.05B	-16.0M	0.55	9.04	207,873	114,852	2,572,944	1,690,281
2025-12-05	$27.66	$12.00	59.8%	18.1%	74.9%	18.3%	63.8%	0.3%	2.4%	13.9M	-3.17B	-15.7M	0.58	17.46	634,679	364,984	2,609,900	1,714,504
2025-12-08	$27.64	$14.00	58.6%	17.1%	74.8%	16.5%	60.9%	2.1%	0.9%	29.8M	-3.35B	-16.1M	0.37	19.75	371,291	137,192	2,655,850	1,721,725
2025-12-09	$26.73	$15.00	55.8%	16.4%	66.2%	12.4%	58.1%	2.9%	1.0%	13.1M	-2.82B	-15.9M	0.40	12.48	281,216	112,364	2,693,084	1,775,989
2025-12-10	$27.26	$15.00	56.0%	16.7%	66.8%	12.8%	58.6%	3.7%	2.3%	18.6M	-3.15B	-15.9M	0.44	18.00	271,180	119,259	2,730,658	1,813,194
2025-12-11	$27.18	$15.00	54.9%	16.0%	65.1%	11.1%	56.8%	1.5%	1.0%	14.7M	-3.05B	-16.1M	0.61	9.44	184,951	112,889	2,778,779	1,837,934
2025-12-12	$27.09	$15.00	54.2%	16.0%	53.1%	10.2%	55.7%	2.0%	1.9%	9.8M	-3.02B	-16.1M	0.61	9.04	249,593	152,517	2,800,975	1,873,618
2025-12-15	$25.99	$15.00	55.3%	15.9%	54.4%	11.7%	56.9%	1.9%	-0.8%	5.8M	-2.54B	-15.4M	0.56	10.33	225,111	126,500	2,575,408	1,769,812
2025-12-16	$26.52	$15.00	54.1%	15.6%	52.8%	10.0%	55.2%	3.7%	0.0%	9.0M	-2.76B	-15.4M	0.39	8.83	172,584	66,748	2,621,678	1,802,986
2025-12-17	$25.38	$15.00	57.2%	16.4%	55.0%	14.4%	57.5%	2.9%	-1.8%	-2.1M	-2.23B	-14.9M	0.98	10.59	155,698	152,199	2,642,491	1,816,700
2025-12-18	$26.51	$15.00	52.8%	15.1%	57.3%	8.1%	54.3%	2.5%	0.4%	6.6M	-2.73B	-15.5M	0.77	8.79	203,259	156,832	2,657,498	1,842,428
2025-12-19	$27.14	$15.00	51.1%	14.7%	52.7%	5.6%	52.9%	1.6%	-0.6%	32.0M	-3.16B	-15.5M	0.64	8.01	254,832	164,139	2,678,224	1,848,630
2025-12-22	$27.16	$15.00	49.5%	14.2%	52.5%	3.3%	50.7%	2.1%	10.1%	24.2M	-3.06B	-15.4M	0.72	10.77	177,671	128,624	2,370,735	1,571,373
2025-12-23	$27.30	$15.00	47.6%	13.7%	44.4%	0.6%	49.7%	0.4%	12.1%	29.9M	-3.11B	-15.4M	0.92	11.21	101,495	93,269	2,441,384	1,615,464
2025-12-24	$27.46	$15.00	47.2%	13.4%	42.7%	0.0%	48.4%	0.9%	11.7%	36.2M	-3.19B	-15.5M	0.70	9.20	68,943	47,985	2,464,383	1,673,260
2025-12-26	$27.18	$15.00	50.5%	13.6%	42.5%	4.8%	48.8%	1.7%	9.7%	17.5M	-3.05B	-15.2M	0.89	11.51	144,339	127,906	2,477,550	1,653,857
2025-12-29	$26.88	$15.00	54.7%	13.5%	40.9%	10.9%	49.4%	1.6%	2.7%	16.8M	-2.87B	-15.0M	0.60	9.59	141,111	84,546	2,347,546	1,588,418
2025-12-30	$26.64	$16.00	55.9%	13.2%	40.9%	12.6%	47.0%	1.5%	3.2%	11.7M	-2.74B	-14.9M	0.55	12.46	133,696	73,670	2,388,700	1,632,660
2025-12-31	$26.23	$16.00	58.6%	13.1%	40.0%	16.5%	47.2%	0.7%	2.5%	2.2M	-2.53B	-14.7M	0.64	10.08	119,546	76,624	2,423,481	1,653,141