- ISIN
- US83406F1021
- Sector
- Financial Services
- Industry
- Credit Services
- IPO Date
- Nov 30, 2020
Highlights
- Market Cap
- $24.40B
- Enterprise Value
- $21.00B
- EPS (TTM)
- $0.44
- PE Ratio
- 39.90
- Total Revenue (TTM)
- $4.73B
- Gross Profit (TTM)
- $3.39B
- EBITDA (TTM)
- $1.40B
- Year Range
- $14.64 - $32.73
- Target Price
- $26.50
- ROA (TTM)
- 1.07%
- ROE (TTM)
- 5.34%
Share Price Chart
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Performance
SOFI Performance Chart
SoFi Technologies, Inc. (SOFI) is down 32.4% since the beginning of the year. At $18 per share, SOFI is trading 45.9% below its 52-week high of $33. Investors who bought $1,000 worth of SOFI shares 5 years ago would now be looking at an investment worth $780.
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Returns By Period
SoFi Technologies, Inc. (SOFI) has returned -32.35% so far this year and 18.86% over the past 12 months.
SoFi Technologies, Inc.
- 1D
- 3.39%
- 1M
- 13.45%
- YTD
- -32.35%
- 6M
- -33.37%
- 1Y
- 18.86%
- 3Y*
- 27.23%
- 5Y*
- -4.84%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.57%
- 1M
- 1.39%
- YTD
- 9.73%
- 6M
- 10.46%
- 1Y
- 24.50%
- 3Y*
- 19.43%
- 5Y*
- 12.21%
- 10Y*
- 13.75%
SOFI Monthly Returns History
Based on dividend-adjusted daily data since Nov 30, 2020, SOFI's average daily return is +0.13%, while the average monthly return is +2.79%. At this rate, an investment would double in approximately 2.1 years.
Historically, 46% of months were positive and 54% were negative. The best month was Jan 2021 with a return of +102.1%, while the worst month was Apr 2022 at -35.2%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 6 months.
On a daily basis, SOFI closed higher 49% of trading days. The best single day was Jan 7, 2021 with a return of +57.9%, while the worst single day was Apr 29, 2026 at -15.4%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -12.87% | -22.14% | -10.59% | 1.39% | 13.17% | -2.80% | -32.35% | ||||||
| 2025 | 2.47% | -8.30% | -19.63% | 7.57% | 6.31% | 36.92% | 24.00% | 13.11% | 3.45% | 12.34% | 0.13% | -11.91% | 70.00% |
| 2024 | -21.31% | 14.69% | -18.71% | -7.12% | 1.77% | -4.20% | 14.07% | 5.97% | -1.63% | 42.11% | 46.91% | -6.15% | 54.77% |
| 2023 | 50.33% | -4.76% | -8.03% | 2.64% | 11.40% | 20.17% | 37.29% | -24.37% | -7.74% | -5.51% | -3.44% | 36.49% | 115.84% |
| 2022 | -21.06% | -8.25% | -17.47% | -35.24% | 22.22% | -29.55% | 19.73% | -6.18% | -17.57% | 11.48% | -11.21% | -4.55% | -70.84% |
| 2021 | 102.09% | -26.69% | -6.95% | -0.87% | 18.53% | -4.86% | -19.46% | -8.16% | 11.99% | 26.51% | -14.39% | -8.08% | 27.09% |
Benchmark Metrics
SoFi Technologies, Inc. has an annualized alpha of 2.70%, beta of 2.11, and R2 of 0.24 versus S&P 500 Index. Calculated based on daily prices since November 30, 2020.
- This stock participated in 166.80% of S&P 500 Index downside but only 156.12% of its upside - more exposed to losses than it benefited from rallies.
- R2 of 0.24 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 2.70%
- Beta
- 2.11
- R²
- 0.24
- Upside Capture
- 156.12%
- Downside Capture
- 166.80%
Return for Risk
Risk / Return Rank
SOFI ranks 51 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SOFI | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.65 | ||
| Sortino ratioReturn per unit of downside risk | -1.88 | ||
| Omega ratioGain probability vs. loss probability | 1.10 | 1.36 | -0.26 |
| Calmar ratioReturn relative to maximum drawdown | 0.36 | 2.71 | -2.35 |
| Martin ratioReturn relative to average drawdown | 0.65 | 12.15 | -11.50 |
Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the SoFi Technologies, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the SoFi Technologies, Inc. was 83.32%, occurring on Dec 7, 2022. Recovery took 679 trading sessions.
The current SoFi Technologies, Inc. drawdown is 45.02%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -83.32%Dec 2022 | 1y 10mo | 2y 8mo | 4y 6moFeb 2021 - Aug 2025 |
2026 bear market2026 | -52.96%Mar 2026 | 4mo 17d | — | 7mo 6dNov 2025 - now |
2021 correction2021 | -19.52%Jan 2021 | 7d | 2d | 9dJan 2021 - Jan 2021 |
2025 correction2025 | -15.33%Oct 2025 | 10d | 24d | 1mo 4dSep 2025 - Oct 2025 |
2025 correction2025 | -14.21%Nov 2025 | 8d | 6d | 14dOct 2025 - Nov 2025 |
Drawdown Indicators
| SOFI | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -83.32% | -56.78% | -26.54% |
Max Drawdown (1Y)Largest decline over 1 year | -52.96% | -9.10% | -43.86% |
Max Drawdown (3Y)Largest decline over 3 years | -52.96% | -18.90% | -34.06% |
Max Drawdown (5Y)Largest decline over 5 years | -81.54% | -25.43% | -56.11% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -45.02% | -1.29% | -43.73% |
Average DrawdownAverage peak-to-trough decline | -51.19% | -10.72% | -40.47% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 29.17% | 2.02% | +27.15% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of SoFi Technologies, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how SoFi Technologies, Inc. is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for SOFI, comparing it with other companies in the Credit Services industry. Currently, SOFI has a P/E ratio of 39.9. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for SOFI relative to other companies in the Credit Services industry. Currently, SOFI has a P/S ratio of 4.9. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for SOFI in comparison with other companies in the Credit Services industry. Currently, SOFI has a P/B value of 2.3. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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