should I buy a leap call on sofi

**Considering the mixed signals from analysts and the potential risks, it might be prudent to exercise caution before making a decision to buy a leap call on SoFi.** Here's why:

1. **Analyst Ratings and Price Targets**:
- SoFi Technologies has recently been upgraded to a "hold" rating by Redburn Atlantic, which suggests that the stock may not have significant immediate upside potential.
- While Needham & Company LLC has boosted its target price to $25.00, this is still below the current trading price, indicating a cautious outlook.
2. **Insider Activity**:
- There has been significant insider selling, with directors selling over 273,181 shares worth over $4 million in the last ninety days.
- Insider selling can be a bearish signal, as it may indicate a lack of confidence in the company's future prospects.
3. **Financial Performance and Estimates**:
- SoFi's stock has experienced a 6.0% decline, and the company's market cap is valued at $23.47 billion.
- Earnings estimates have been reduced by William Blair, with the latest estimate for Q3 2025 earnings per share (EPS) now at $0.08, down from $0.09.
- The consensus estimate for FY2025 earnings is $0.26 per share, which does not suggest a strong immediate earnings trajectory.
4. **Market Sentiment and Technical Indicators**:
- The stock's resistance level is at $23.81, and the support level is at $20.6. Trading near these levels might indicate a lack of strong momentum in either direction.
- The implied volatility is at 3.3%, which is relatively low and might suggest that market participants do not expect significant short-term volatility.

|code|Ticker|Name|Date|Weekly Volatility|market_code|
|---|---|---|---|---|---|
|SOFI|SOFI.O|SoFi Technologies|20240812|2.75191|185|
|SOFI|SOFI.O|SoFi Technologies|20240813|2.8902|185|
|SOFI|SOFI.O|SoFi Technologies|20240814|2.764322|185|
|SOFI|SOFI.O|SoFi Technologies|20240815|2.930032|185|
|SOFI|SOFI.O|SoFi Technologies|20240816|2.401397|185|
|SOFI|SOFI.O|SoFi Technologies|20240819|3.205881|185|
|SOFI|SOFI.O|SoFi Technologies|20240820|2.895019|185|
|SOFI|SOFI.O|SoFi Technologies|20240821|3.1466|185|
|SOFI|SOFI.O|SoFi Technologies|20240822|3.310047|185|
|SOFI|SOFI.O|SoFi Technologies|20240823|3.319068|185|

|code|Ticker|Name|Date|Support Level|Resistance Level|market_code|
|---|---|---|---|---|---|---|
|SOFI|SOFI.O|SoFi Technologies|20250808|20.6000|23.8051|185|

|code|Ticker|Name|Date|Closing Price|market_code|
|---|---|---|---|---|---|
|SOFI|SOFI.O|SoFi Technologies|20250808|22.1|185|

5. **Strategic Considerations**:
- SoFi is exploring re-entry into the crypto and blockchain space, which could be a positive catalyst in the future.
- The company has been expanding its financial services and intends to become a one-stop shop for financial services, which could drive future growth.

In conclusion, while there are some positive developments, such as the expansion of financial services and potential future growth, the current analyst ratings, insider selling, and reduced earnings estimates suggest that buying a leap call on SoFi might not be a strongly recommended move at this time. It's important to align this decision with your investment goals, risk tolerance, and overall portfolio strategy. If you are considering options trading, it's crucial to ensure you have a clear understanding of the risks involved, as options trading can be complex and is generally suitable only for experienced investors.