BAC vs. SOFI

Last updated Aug 1, 2026

BAC (Bank of America Corporation) and SOFI (SoFi Technologies, Inc.) are both stocks. Both are in the Financial Services sector — BAC in Banks - Diversified, SOFI in Credit Services. Over the past 5 years, BAC returned 12.79%/yr vs 1.10%/yr for SOFI. Their 0.36 correlation means their historical movements had little consistent relationship.

Performance

BAC vs. SOFI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Bank of America Corporation (BAC) 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, BAC achieves a 13.86% return, which is significantly higher than SOFI's -37.70% return.

BAC

• 1D: 0.36%
• 1M: 5.48%
• 6M: 17.71%
• YTD: 13.86%
• 1Y: 38.63%
• 3Y*: 28.30%
• 5Y*: 12.79%
• 10Y*: 18.54%
• ALL TIME*: 8.33%

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)
BAC Bank of America Corporation	$2.02B	$2.04B	$2.03B
SOFI SoFi Technologies, Inc.	$1.50B	$1.50B	$1.35B

BAC vs. SOFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
BAC Bank of America Corporation	13.86%	28.04%	33.85%	4.83%	-23.82%	49.61%	5.20%
SOFI SoFi Technologies, Inc.	-37.70%	70.00%	54.77%	115.84%	-70.84%	27.09%	13.09%

Correlation

The correlation between BAC and SOFI is 0.34, which is low. Their historical price movements had little consistent relationship.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.34
Correlation (3Y) Balances recent behavior with more history.	0.40
Correlation (5Y) Shows whether the relationship held over a longer period.	0.40
Correlation (All Time) Calculated using the full available price history since Nov 30, 2020	0.37

Fundamentals

Market Cap BAC : $439.63B SOFI : $20.92B
EPS BAC : $4.50 SOFI : $0.54
PE Ratio BAC : 13.75 SOFI : 29.98
PS Ratio BAC : 2.61 SOFI : 4.52
PB Ratio BAC : 1.64 SOFI : 2.01
Total Revenue (TTM) BAC : $177.58B SOFI : $4.85B
Gross Profit (TTM) BAC : $115.79B SOFI : $3.97B
EBITDA (TTM) BAC : $45.64B SOFI : $756.79M

Return for Risk

BAC vs. SOFI — Risk / Return Rank

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

BAC

BAC Risk / Return Rank: 81
BAC Sharpe Ratio Rank: 86
BAC Sortino Ratio Rank: 81
BAC Omega Ratio Rank: 81
BAC Calmar Ratio Rank: 78
BAC Martin Ratio Rank: 80

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.

BAC vs. SOFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Bank of America Corporation (BAC) 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.

	BAC	SOFI	Difference
Sharpe ratio: Return per unit of total volatility	1.56	-0.49	+2.06
Sortino ratio: Return per unit of downside risk	2.09	-0.39	+2.48
Omega ratio: Gain probability vs. loss probability	1.27	0.95	+0.32
Calmar ratio: Return relative to maximum drawdown	1.90	-0.53	+2.43
Martin ratio: Return relative to average drawdown	5.00	-0.84	+5.84

BAC vs. SOFI - Sharpe Ratio Comparison

The current BAC Sharpe Ratio is 1.56, which is higher than the SOFI Sharpe Ratio of -0.49. The chart below compares the historical Sharpe Ratios of BAC 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

BAC vs. SOFI - Drawdown Comparison

The maximum BAC drawdown since its inception was -93.10%, which is greater than SOFI's maximum drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for BAC and SOFI.

Drawdown Indicators

	BAC	SOFI	Difference
Max Drawdown Largest peak-to-trough decline	-93.10%	-83.32%	-9.78%
Max Drawdown (1Y) Largest decline over 1 year	-17.93%	-52.96%	+35.03%
Max Drawdown (3Y) Largest decline over 3 years	-27.51%	-52.96%	+25.45%
Max Drawdown (5Y) Largest decline over 5 years	-46.64%	-81.54%	+34.90%
Max Drawdown (10Y) Largest decline over 10 years	-48.95%	—	—
Current Drawdown Current decline from peak	-1.07%	-49.36%	+48.29%
Average Drawdown Average peak-to-trough decline	-28.21%	-51.07%	+22.86%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.82%	33.29%	-26.47%

Volatility

BAC vs. SOFI - Volatility Comparison

The current volatility for Bank of America Corporation (BAC) is 5.89%, while SoFi Technologies, Inc. (SOFI) has a volatility of 16.98%. This indicates that BAC 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

	BAC	SOFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.89%	16.98%	-11.09%
Volatility (6M) Calculated over the trailing 6-month period	16.31%	39.65%	-23.34%
Volatility (1Y) Calculated over the trailing 1-year period	21.85%	56.66%	-34.81%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	26.67%	66.48%	-39.81%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.46%	71.52%	-41.06%

Dividends

BAC vs. SOFI - Dividend Comparison

BAC's dividend yield for the trailing twelve months is around 1.81%, while SOFI has not paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
BAC Bank of America Corporation	1.81%	1.96%	2.28%	2.73%	2.60%	1.75%	2.38%	1.87%	2.19%	1.32%	1.13%	1.19%
SOFI SoFi Technologies, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials

Frequently Asked Questions

Can I hold both BAC and SOFI in my portfolio?

BAC and SOFI have a correlation of 0.34, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, BAC or SOFI?

SOFI has higher volatility (16.98%) compared to BAC (5.89%). In terms of maximum drawdown, BAC dropped -93.10% vs SOFI's -83.32%.

Which has better risk-adjusted returns?

BAC currently has the higher Sharpe Ratio (1.56 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.