SoFi (SOFI) has a cooling two-year regime (±11.8% vs ±15.3% decade). Below is its earnings behaviour as of July 23, 2026 (MCP peak move, 10y defaults).
SOFI earnings at a glance
SOFI’s decade-long average earnings move is about ±15.3%, with the last two years at ±11.8% (cooling). The 95th-percentile tail is about ±24.0%.
Does SOFI beat its implied move?
The implied move is what the options market prices in before the report. SOFI’s actual peak move has topped the implied in about 62% of recent reports with tracked implieds (10 of 16).
history
How SOFI’s moves are distributed
Use the live implied move against this distribution rather than a single average.
Recent SOFI earnings
Headline (MCP): SOFI averages a ±15.3% earnings move over the last 10 years (peak; n=20). Two-year regime cooler at ±11.8%.
IV rush and IV crush on SOFI
Implied volatility builds into the report (the IV rush) and collapses afterward (the IV crush).
What SOFI’s earnings data means for options
These figures are a reference point, not a signal. Compare the live implied move in the EarningsWatcher app. A straddle or strangle needs the actual move to exceed the implied to pay; an iron condor needs it smaller.
Frequently asked questions
When is SoFi (SOFI) earnings date?
SoFi reported on Wednesday, July 29, 2026, before the market open.
What is SOFI's implied move for earnings July 29, 2026?
Options priced a plus or minus 10.1% move into the July 29, 2026 report. The realised move is published once the following full session completes.
How much does SOFI move on earnings?
Over the last 10 years, SOFI's average earnings-day peak move was about plus or minus 15.3%, with the last two years averaging about plus or minus 11.8%. The 95th-percentile move is about plus or minus 24.0%.
Does SOFI usually beat its implied move?
About 62% of recent reports with tracked implieds (10 of 16).