SOFI Options History — January 2026

In January 2026, SOFI traded between $22.56 and $29.30. ATM implied volatility averaged 63.8%, placing in the 24.0% IV rank vs the trailing year. The 30-day expected move averaged 17.9%. IV traded above realized volatility by 13.6% (HV 20d: 50.2%). Max pain ranged from $16.00 to $26.00. Net GEX was positive for 14 of 20 trading days. Term structure was in contango for 1 of 20 days. Put/call ratio averaged 0.57.

Notable Days

2026-01-30: Highest Volume — 941,261 contracts
2026-01-30: Largest IV drop — 16.5% change
2026-01-06: Highest IV Rank — 29.2%
2026-01-29: Largest Expected Move — 20.1%

Monthly Statistics

Metric	Avg	Min	Max	Open	Close
Price	$26.22	$22.56	$29.30	$27.45	$22.56
Max Pain	$24.75	$16.00	$26.00	$16.00	$25.00
ATM IV	63.8%	55.3%	67.3%	62.6%	55.3%
Expected Move	17.9%	13.6%	20.1%	13.6%	16.5%
HV 20d	50.2%	43.4%	54.7%	43.4%	54.7%
HV 60d	61.4%	57.7%	65.5%	62.1%	58.9%
IV Rank	24.0%	11.7%	29.2%	22.3%	11.7%
IV Percentile	56.7%	26.2%	67.5%	54.4%	26.2%
Term Structure	-1.4%	-2.5%	1.3%	-0.1%	1.3%
VWIV	63.7%	49.2%	72.1%	49.2%	59.7%
Skew 25d	0.8%	-0.5%	2.9%	2.9%	1.3%
Skew 10d	1.6%	-5.4%	5.9%	5.9%	-2.7%
Call IV 25d	64.2%	56.3%	67.5%	61.7%	56.3%
Put IV 25d	64.9%	57.6%	68.0%	64.6%	57.6%
Bid-Ask Spread %	13.25	5.91	25.15	12.97	11.51
Gamma HHI	0.10	0.07	0.31	0.22	0.10
Net GEX	9.9M	-33.2M	53.2M	53.2M	-13.5M
Net DEX	-2.27B	-4.00B	-298.7M	-3.17B	-298.7M
Net VEX	-15.1M	-15.7M	-13.7M	-14.9M	-13.7M
Div Yield	0.0%	0.0%	0.0%	0.0%	0.0%
P/C Ratio	0.57	0.37	0.93	0.56	0.58
Total Volume	394,285.35	193,978	941,261	455,792	941,261
Total OI	3,925,338.5	3,257,868	4,459,620	4,110,760	3,823,247

Daily Data (20 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
2026-01-02	$27.45	$16.00	62.6%	13.6%	43.4%	22.3%	49.2%	2.9%	-0.1%	53.2M	-3.17B	-14.9M	0.56	12.97	292,266	163,526	2,431,573	1,679,187
2026-01-05	$29.30	$25.00	64.7%	17.8%	49.5%	25.4%	62.6%	1.1%	-0.3%	42.7M	-4.00B	-15.2M	0.42	9.16	422,394	177,052	2,362,174	1,629,995
2026-01-06	$27.09	$25.00	67.3%	18.4%	52.9%	29.2%	65.6%	0.5%	-1.5%	21.1M	-2.91B	-14.9M	0.67	12.97	458,983	306,609	2,437,450	1,651,987
2026-01-07	$26.96	$25.00	65.8%	18.0%	52.9%	26.9%	63.8%	0.7%	-1.6%	17.9M	-2.90B	-15.4M	0.57	10.08	170,530	96,808	2,516,586	1,785,424
2026-01-08	$27.84	$25.00	65.4%	18.0%	52.7%	26.4%	63.5%	0.4%	-1.2%	35.6M	-3.39B	-15.7M	0.39	13.43	251,500	98,134	2,552,620	1,815,866
2026-01-09	$27.46	$25.00	63.9%	17.7%	52.6%	24.3%	62.3%	0.9%	-1.7%	39.5M	-3.15B	-15.7M	0.64	15.18	260,507	167,206	2,563,885	1,827,553
2026-01-12	$26.63	$25.00	65.1%	18.1%	53.7%	26.0%	63.7%	-0.4%	-1.4%	10.6M	-2.75B	-15.2M	0.59	13.59	245,305	144,072	2,427,161	1,750,396
2026-01-13	$27.05	$25.00	65.4%	17.9%	54.0%	26.3%	63.4%	0.8%	-2.5%	13.5M	-2.92B	-15.5M	0.37	18.21	199,979	73,242	2,483,452	1,821,606
2026-01-14	$26.44	$25.00	65.8%	18.3%	52.5%	27.0%	64.3%	-0.4%	-1.5%	3.1M	-2.64B	-15.3M	0.55	17.39	161,205	88,954	2,517,714	1,844,711
2026-01-15	$26.48	$25.00	64.7%	17.9%	52.0%	25.4%	64.4%	-0.5%	-2.5%	2.0M	-2.65B	-15.4M	0.46	21.69	212,932	97,798	2,548,847	1,876,204
2026-01-16	$26.04	$25.00	62.6%	17.5%	49.8%	22.3%	61.9%	1.6%	-2.1%	-33.2M	-2.44B	-15.1M	0.73	11.66	234,805	171,710	2,573,120	1,886,500
2026-01-20	$25.54	$26.00	66.0%	18.8%	47.7%	27.3%	66.4%	2.1%	-1.7%	46.3K	-1.49B	-14.9M	0.56	9.54	210,440	118,562	1,911,123	1,346,745
2026-01-21	$25.48	$26.00	63.3%	18.1%	46.8%	23.3%	64.3%	1.3%	-1.2%	-3.7M	-1.48B	-14.8M	0.47	13.55	229,676	107,445	1,973,113	1,401,841
2026-01-22	$26.07	$25.00	60.6%	17.5%	47.7%	19.5%	62.1%	1.0%	-1.5%	6.2M	-1.74B	-15.2M	0.51	11.56	162,444	83,484	2,017,864	1,436,025
2026-01-23	$25.77	$25.50	60.7%	17.6%	47.7%	19.6%	63.3%	1.6%	-2.4%	-2.8M	-1.62B	-15.1M	0.93	5.91	165,582	154,676	2,065,678	1,448,855
2026-01-26	$25.89	$25.50	62.0%	18.2%	47.7%	21.5%	64.9%	0.4%	-1.8%	5.8M	-1.72B	-15.1M	0.58	6.48	156,817	90,545	1,968,034	1,403,411
2026-01-27	$25.41	$25.50	63.6%	18.8%	47.9%	23.8%	66.7%	-0.2%	-1.6%	3.0M	-1.55B	-15.1M	0.70	12.60	113,948	80,030	2,036,143	1,449,908
2026-01-28	$24.73	$25.50	64.8%	19.4%	48.6%	25.4%	70.6%	0.0%	-1.6%	-828.6K	-1.31B	-14.8M	0.39	25.15	214,917	84,003	2,081,211	1,487,901
2026-01-29	$24.30	$25.00	66.2%	20.1%	48.8%	27.5%	72.1%	0.3%	-1.3%	-2.9M	-1.16B	-14.8M	0.73	12.43	275,617	200,743	2,150,425	1,521,235
2026-01-30	$22.56	$25.00	55.3%	16.5%	54.7%	11.7%	59.7%	1.3%	1.3%	-13.5M	-298.7M	-13.7M	0.58	11.51	593,913	347,348	2,233,138	1,590,109