Bullish LEAP call strategy on SoFi

You could buy 100 shares of $SOFI right now for about $1,686. Or you could buy the $15 call LEAP expiring January 2028 for about $515. Leveraged exposure to the same 100 shares. ~69% less capital. 450 days of runway. The trade: Strike: $15 Expiration: Jan 21, 2028 Premium: ~$5.15 per contract Breakeven: $20.15 Returns at expiration: If $SOFI hits $30, this LEAP returns ~191% If $SOFI hits $40, this LEAP returns ~385% If $SOFI hits $50, this LEAP returns ~580% At $50, 100 shares would return ~197%. Why I like the setup: - Adjusted net revenue grew 44% to a record $1.37B last quarter - Members grew 35% to a record 17.1M, and products grew 44% to a record 26.7M - Management raised 2026 guidance to $5.04B in adjusted net revenue and $1.66B in adjusted EBITDA - The stock jumped 13% after earnings and is still down about 35% this year - The $15 strike is already in the money, so about $1.86 of the premium is intrinsic value - 450 days gives the thesis time to play out without needing a quick move The max you can lose on a LEAP is the entire premium you paid. In this case, that's $515 per contract. LEAPs are leveraged and can lose value quickly if the stock drops or stays flat. Only size this so you're comfortable losing all of it. Note: LEAPs are one tool inside a broader portfolio. Owning shares is always the primary use of capital. This is a selective add-on for high-conviction moments when conditions align. NFA DYOR