01 — SOFI · BEAR CALL SPREADS

Best SOFI bear call spreads setups.

Pick how long you want to wait and how much risk you'll take. We score every live strike across the next 3 expirations and surface the top setups — updated hourly.

Volatile fintech name with high retail engagement, sensitive to deposit growth, lending volume, and interest rates.

Find the best strikes →FREE · 20 ANALYSES/DAY · NO CARD
SoFi Technologies
Financials / Fintech
SOFI
$17.61+12.0% / 30d
IV rank (1y)
62.2% · elevated
Next earnings
Oct 27
Market cap
$22.8B
P/E (fwd)
19.8
Option vol
148K /day

02 — Live setups

Suggested strikes

Choose your time horizon and risk band. Every match is scored on return, premium, and probability of profit.

Days to expiration
Probability of profit
Sort by
Top pick · credit spread
$18/$19 call spread · Nov 20
22 DAYS · 5.0% OTM · 1 WIDE · SELL TO OPEN
Credit
$32
Return
47.06%
PoP
61%
SpreadExpirationCreditReturn ↓PoP
$18.5 / $19.5
7.9% OTM · 1 wide
Dec 4
36 days
$28
$0.28 / share
38.89%65%
$18.5 / $19.5
7.9% OTM · 1 wide
Nov 27
29 days
$25
$0.25 / share
33.33%67%
$18.5 / $19.5
7.9% OTM · 1 wide
Nov 20
22 days
$23
$0.23 / share
29.87%69%
$19 / $20
10.8% OTM · 1 wide
Dec 4
36 days
$20
$0.20 / share
25%71%
$19 / $20
10.8% OTM · 1 wide
Nov 27
29 days
$17
$0.17 / share
20.48%74%
6 of 6 matchesCustomize filters →

03 — Strategy

Bear Call Spreads, plainly explained

Moderately bearish or neutral traders seeking defined-risk credit income.

P&L at expiration · $18/$19 call spread · 22 DTE

$0+$32−$68$19 LONG$18.32 BE$18 SHORT

Key numbers

Premium collected+$32
Max profit+$32
Max loss−$68
Breakeven$18.32
Spread$18 / $19
Probability of profit61%
Days to expiration22

When this trade makes sense

Use when

    Avoid when

      Read the full bear call spreads guide →

      05 — RUN IT LIVE

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      Option Agent is not a registered investment advisor, broker-dealer, or financial planner. All analysis, recommendations, and data are for informational and educational purposes only and do not constitute personalized investment advice. Options trading involves substantial risk of loss and is not suitable for all investors. Past probability calculations do not guarantee future results. Consult a qualified financial advisor before making investment decisions.