ALKT vs. SOFI

Last updated Aug 1, 2026

ALKT (Alkami Technology, Inc.) and SOFI (SoFi Technologies, Inc.) are both stocks. ALKT operates in Software - Application (Technology), while SOFI operates in Credit Services (Financial Services). Over the past 5 years, ALKT returned -10.30%/yr vs 1.10%/yr for SOFI. Their 0.43 correlation means their historical movements had little consistent relationship.

Performance

ALKT vs. SOFI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Alkami Technology, Inc. (ALKT) and SoFi Technologies, Inc. (SOFI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, ALKT achieves a -21.24% return, which is significantly higher than SOFI's -37.70% return.

ALKT

• 1D: 2.02%
• 1M: -4.47%
• 6M: -14.25%
• YTD: -21.24%
• 1Y: -11.32%
• 3Y*: 2.77%
• 5Y*: -10.30%
• 10Y*: —
• ALL TIME*: -14.35%

SOFI

• 1D: -0.97%
• 1M: -10.58%
• 6M: -28.50%
• YTD: -37.70%
• 1Y: -23.17%
• 3Y*: 16.37%
• 5Y*: 1.10%
• 10Y*: —
• ALL TIME*: 7.20%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
ALKT Alkami Technology, Inc.	$23.33M	$24.58M	$30.41M
SOFI SoFi Technologies, Inc.	$1.50B	$1.50B	$1.35B

ALKT vs. SOFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
ALKT Alkami Technology, Inc.	-21.24%	-37.10%	51.26%	66.21%	-27.27%	-51.38%
SOFI SoFi Technologies, Inc.	-37.70%	70.00%	54.77%	115.84%	-70.84%	-6.06%

Correlation

The correlation between ALKT and SOFI is 0.23, which is low. Their historical price movements had little consistent relationship.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.23
Correlation (3Y) Balances recent behavior with more history.	0.35
Correlation (5Y) Shows whether the relationship held over a longer period.	0.44
Correlation (All Time) Calculated using the full available price history since Apr 14, 2021	0.43

Over the past year, the correlation between ALKT and SOFI has dropped to 0.23 - well below their long-term average of 0.43, suggesting their price drivers have been diverging.

Fundamentals

Market Cap ALKT : $1.94B SOFI : $20.92B
EPS ALKT : -$0.43 SOFI : $0.54
PS Ratio ALKT : 3.91 SOFI : 4.52
PB Ratio ALKT : 5.34 SOFI : 2.01
Total Revenue (TTM) ALKT : $489.73M SOFI : $4.85B
Gross Profit (TTM) ALKT : $280.90M SOFI : $3.97B
EBITDA (TTM) ALKT : -$25.43M SOFI : $756.79M

Return for Risk

ALKT vs. SOFI — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

ALKT

ALKT Risk / Return Rank: 29
ALKT Sharpe Ratio Rank: 27
ALKT Sortino Ratio Rank: 27
ALKT Omega Ratio Rank: 27
ALKT Calmar Ratio Rank: 30
ALKT Martin Ratio Rank: 32

SOFI

SOFI Risk / Return Rank: 25
SOFI Sharpe Ratio Rank: 22
SOFI Sortino Ratio Rank: 24
SOFI Omega Ratio Rank: 25
SOFI Calmar Ratio Rank: 25
SOFI Martin Ratio Rank: 27

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

ALKT vs. SOFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Alkami Technology, Inc. (ALKT) and SoFi Technologies, Inc. (SOFI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

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.

	ALKT	SOFI	Difference
Sharpe ratio: Return per unit of total volatility	-0.38	-0.49	+0.11
Sortino ratio: Return per unit of downside risk	-0.24	-0.39	+0.15
Omega ratio: Gain probability vs. loss probability	0.97	0.95	+0.02
Calmar ratio: Return relative to maximum drawdown	-0.41	-0.53	+0.11
Martin ratio: Return relative to average drawdown	-0.66	-0.84	+0.17

ALKT vs. SOFI - Sharpe Ratio Comparison

The current ALKT Sharpe Ratio is -0.38, which is comparable to the SOFI Sharpe Ratio of -0.49. The chart below compares the historical Sharpe Ratios of ALKT and SOFI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

ALKT vs. SOFI - Drawdown Comparison

The maximum ALKT drawdown since its inception was -79.03%, smaller than the maximum SOFI drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for ALKT and SOFI.

Drawdown Indicators

	ALKT	SOFI	Difference
Max Drawdown Largest peak-to-trough decline	-79.03%	-83.32%	+4.29%
Max Drawdown (1Y) Largest decline over 1 year	-45.01%	-52.96%	+7.95%
Max Drawdown (3Y) Largest decline over 3 years	-65.44%	-52.96%	-12.48%
Max Drawdown (5Y) Largest decline over 5 years	-68.94%	-81.54%	+12.60%
Current Drawdown Current decline from peak	-61.90%	-49.36%	-12.54%
Average Drawdown Average peak-to-trough decline	-52.71%	-51.07%	-1.64%
Ulcer Index Depth and duration of drawdowns from previous peaks	27.88%	33.29%	-5.41%

Volatility

ALKT vs. SOFI - Volatility Comparison

The current volatility for Alkami Technology, Inc. (ALKT) is 13.45%, while SoFi Technologies, Inc. (SOFI) has a volatility of 16.98%. This indicates that ALKT experiences smaller price fluctuations and is considered to be less risky than SOFI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ALKT	SOFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	13.45%	16.98%	-3.53%
Volatility (6M) Calculated over the trailing 6-month period	38.17%	39.65%	-1.48%
Volatility (1Y) Calculated over the trailing 1-year period	50.96%	56.66%	-5.70%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	48.30%	66.48%	-18.18%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	48.72%	71.52%	-22.80%

Dividends

ALKT vs. SOFI - Dividend Comparison

Neither ALKT nor SOFI has paid dividends to shareholders.

Tickers have no history of dividend payments

Financials

Frequently Asked Questions

Can I hold both ALKT and SOFI in my portfolio?

ALKT and SOFI have a correlation of 0.23, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, ALKT or SOFI?

SOFI has higher volatility (16.98%) compared to ALKT (13.45%). In terms of maximum drawdown, ALKT dropped -79.03% vs SOFI's -83.32%.

Which has better risk-adjusted returns?

ALKT currently has the higher Sharpe Ratio (-0.38 vs -0.49), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.