Need a second perspective

AI Summary

Author holds SoFi shares and call options, weighing whether to sell losing options while retaining a long-term bullish SOFI thesis based on earnings beats, client growth, crypto expansion, and a possible prediction-markets catalyst.

SOFI — LONG The author remains long SoFi Technologies via roughly 100 shares and several call options, arguing SOFI is estimated to beat earnings nearly every quarter and is gaining clients while opening itself to crypto. He identifies a possible narrative-changing catalyst if SoFi introduces prediction markets, which he thinks could significantly change the valuation and be good for his calls. He does not plan to sell his shares in the near future, though he may sell the April 2026 $35 calls within a month and hold the January 2027 calls until around July or August if premium looks good enough. The main stated risk is that the calls are already down sharply and he lacks strong conviction, so the capital might be better deployed elsewhere.

they are estimated to beat earnings damn near every quarter and are gaining clients while opening themselves to crypto.

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Mornin Gentleman, dont let my username fool you, im finally doing unregarded investments, but i'd like advice on what to do on an investment i no longer feel the need to have strong conviction for. 

Since late november i bought (what seemed then) long dated calls, for SOFI. Bought 2 April 17 2026 $35 calls for roughly $860 and is down 84%. This seems like i hold and hope for a rebound for a breakeven entry point, though Im open to opinions on why i should let this go instead of hold. I think within a monthly expiration i get rid of it as it starts to turn into a weekly which i dont like holding.

I also have 2 Jan 15 2027 $32 Calls for roughly $1850 which has reduced to 50%. 1 more call on the same expiration but for a $35 strike, bought for around $810 and down 53% as we speak. 

To some it may seem like pennies but thats about $1.4k being left on the table if I ride this out. My question to you all is would you let these babies ride or would you take this capital and invest elsewhere.

My original intent was to sell the April ones within the next month, and to hold the 2027 ones till around August or July if the premium looked good enough. I've been holding \~100 shares of SOFI the whole way which I do NOT plan on selling in the near future.

Recently however, ive started exposing my portfolio to Nuclear energy (NXE & UUUU) , AI (POET), Minerals (TMC & UUUU), all while DCAing into gold trusts and VXUS the entire 2025. And of course, my human brain wants to remove capital where its not blooming to somewhere it actually is blooming.

My decision is gonna have a lot to do with SOFI sentiment, in which they are estimated to beat earnings damn near every quarter and are gaining clients while opening themselves to crypto. And although comparison is the thief of joy, HOOD really won the fintech all due to the "prediction markets" (degen gambling) that has allowed robinhood to act as a profitable bookie. 

I actually use SOFI banking for my personal cash and bill payments, but I would be sorely dissappointed if they introduced prediction markets as a means of generating even more revenue. However, thats kind of the thesis that would make the narrative change for SOFI in that their valuation changes significantly, being good for said calls. 

I can talk to AI all day, but i want word from the chads in this sub that been doing this a long time, word from those who know more about SOFI or chads from anyone with some good recommendations on how to process this investments as it stands.  

TLDR for the lazy: SOFI Calls gone red. little panic. want more green. where tho. maybe sell?

https://preview.redd.it/cei41k3y55fg1.png?width=1408&format=png&auto=webp&s=e17617e5dabd69dfa0016cabe74f404af5fa6a0f

Ideas

u/FullRetard50 Reddit r/options

Long SoFi on earnings beats, client growth, crypto; prediction-market catalyst

The author remains long SoFi Technologies via roughly 100 shares and several call options, arguing SOFI is estimated to beat earnings nearly every quarter and is gaining clients while opening itself to crypto. He identifies a possible narrative-changing catalyst if SoFi introduces prediction markets, which he thinks could significantly change the valuation and be good for his calls. He does not plan to sell his shares in the near future, though he may sell the April 2026 $35 calls within a month and hold the January 2027 calls until around July or August if premium looks good enough. The main stated risk is that the calls are already down sharply and he lacks strong conviction, so the capital might be better deployed elsewhere.

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Ideas

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