SOFI
SOFI · Sep 21, 2026
$16.97
Shares
Buy
SOFI is 22% under our fair value of $21.70 (range $18.26–$25.15, 2 of 4 models).
How we value it ›Prices as of 11:50 PM ET, Sep 21. Check the live quote before you send an order.
The put
Skip
Skip the put. It pays a lot because SOFI can drop a lot. Wait, or buy shares.
If it goes against you: you buy 100 shares at $16, which after the $62 you keep works out to $15.88 a share. Below $15.88 you are down on the trade. From that day the shares take above is the one that applies.
The order, if you sell it anyway
You get$62 (limit about $0.62)
If it fallsBuy 100 shares at $16
Cash to hold$1,650
Close earlyBuy back at about $0.19 ($19)
Chance you buy the sharesabout 38 in 100
ContractSOFI Oct 23 $16 put
ActionSell to open
In your broker app: open the stock → Trade → Options → Sell to open → pick the contract shown here.
Why skip
The put: Oct 23, $16 strike, 32 days out. Pays $62. Roughly a 38-in-100 chance you end up buying the shares.
On paper: 43% a year. That number assumes SOFI keeps moving like it did the past two years. Take that away and it is -23% a year. That is why we say skip.
Next earnings Oct 27, after this put ends. We never sell a put across a report.
If you already own 100 shares
No call this week
No call this week: earnings are too close, or the premium is too thin to bother.
First take on SOFI. Result Oct 23. See the record
Everyone sees the same card. It is not advice for you personally. You can lose more than you collect.
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