SoFi Technologies (SOFI) Protective Put Calculator
Calculator · free · no signup · SOFIPrice a protective put or zero-cost collar on SoFi Technologies. Annual cost, max loss, upside cap, tax treatment, auto-filled from current SOFI option chain.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
You priced one hedge. The beta picks the right hedge structure given your full equity stack and tax situation.
Request beta access →About SoFi Technologies
SoFi Technologies (SOFI) is a public Fintech company, incorporated in Delaware and headquartered in San Francisco, CA. IPO'd Jun 1, 2021.
Last close: $17.71 per share (as of 2026-06-17).
Equity grants at SoFi Technologies typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
SoFi Technologies, Inc. is an American financial technology company operating as a branchless bank. As of 2026, SoFi is the largest U.S.-based online lender, with nearly 15 million customers.
Source: Wikipedia (CC BY-SA 4.0)
In January 2022, SoFi became the first full-service fintech startup to receive a U.S. national bank charter, allowing it to hold loans on its own balance sheet and take FDIC-insured deposits without relying on bank partners. Founded in 2011 by four Stanford GSB alumni (Mike Cagney, Dan Macklin, James Finnigan, and Ian Brady) as a student loan refinancing platform, the company expanded into mortgages, personal loans, checking and savings accounts, and stock and crypto trading. Anthony Noto became CEO in 2018 and drove the bank charter strategy. SoFi went public via SPAC as SOFI in June 2021 and reported $2.67 billion in revenue in 2024.
Sources: en.wikipedia.org · investors.sofi.com
Equity comp at SoFi Technologies
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by SoFi Technologies.
A protective put caps your downside on the SOFI position at a chosen floor; a zero-cost collar pays for that floor by capping the upside. This calculator prices both structures off the current SOFI option chain, with annual cost, max loss, and tax-treatment notes.
Example: a 5,000-share SOFI position at $17.71 is worth $88,550. A 1-year 30%-OTM put on that position typically runs 2-4% of position value per year (about $1,771 to $3,542) before any premium offset from a short call. The calculator prices both structures off SOFI's current option chain so you see the actual cost for your chosen floor, tenor, and cap.
All SoFi Technologies tools → · Use the generic Protect Your Stock Calculator for any company.
SoFi Technologies equity questions
- How much does it cost to hedge SOFI stock?
- The cost of a protective put depends on how far below the current price you set the floor, how long the protection lasts, and SOFI's option-implied volatility. A zero-cost collar lowers that cost by selling away some upside. The calculator above prices both structures off the current SOFI option chain and shows the annual cost, maximum loss, and tax treatment.
- Does SoFi Technologies grant ISOs, NSOs, or RSUs?
- Equity compensation at SoFi Technologies typically takes the form of incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs). Incentive stock options can trigger the alternative minimum tax (AMT) when you exercise. Restricted stock units are taxed as ordinary income when they vest.
- Do SoFi Technologies RSUs use double-trigger vesting?
- No. SoFi Technologies restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
Find another companyFintech peers
One piece of the puzzle.
OptionsAhoy plans your SoFi Technologies equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.