SOFI is currently in a consolidation pattern. Technicals are rating it a weak sell but earnings are coming up on Jan 30. The company hasn't missed targets since Aug 2021 so the track record is decent. Options flow is showing some bullish sentiment. Institutional money seems to be laddering upside calls and implied volatility is high, suggesting the market expects a move. One strategy mentioned is a bull call spread for the Feb 20 expiration. Buying the 26.50 call and selling the 27 call caps the risk but pays out if the stock breaks $27.