BILL vs. SOFI
BILL (Bill.com Holdings, Inc.) and SOFI (SoFi Technologies, Inc.) are both stocks. BILL operates in Software - Application (Technology), while SOFI operates in Credit Services (Financial Services). Over the past 5 years, BILL returned -26.75%/yr vs -5.84%/yr for SOFI. A 0.52 correlation means they provide meaningful diversification when combined.
Performance
BILL vs. SOFI - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, BILL achieves a -39.16% return, which is significantly lower than SOFI's -36.67% return.
BILL
- 1D
- 3.27%
- 1M
- -16.97%
- YTD
- -39.16%
- 6M
- -39.18%
- 1Y
- -24.54%
- 3Y*
- -34.51%
- 5Y*
- -26.75%
- 10Y*
- —
SOFI
- 1D
- -0.54%
- 1M
- 8.30%
- YTD
- -36.67%
- 6M
- -39.22%
- 1Y
- 11.28%
- 3Y*
- 20.23%
- 5Y*
- -5.84%
- 10Y*
- —
BILL vs. SOFI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
BILL Bill.com Holdings, Inc. | -39.16% | -35.62% | 3.82% | -25.12% | -56.27% | 82.53% | 14.73% |
SOFI SoFi Technologies, Inc. | -36.67% | 70.00% | 54.77% | 115.84% | -70.84% | 27.09% | 13.09% |
Correlation
The correlation between BILL and SOFI is 0.37, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.37 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.50 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.53 |
Correlation (All Time) Calculated using the full available price history since Nov 30, 2020 | 0.52 |
The correlation between BILL and SOFI shifts across timeframes, from 0.37 (1 year) to 0.53 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
BILL:
$3.39B
SOFI:
$22.85B
BILL:
$0.00
SOFI:
$0.44
BILL:
20.80K
SOFI:
37.35
BILL:
2.12
SOFI:
4.55
BILL:
0.89
SOFI:
2.11
BILL:
$1.60B
SOFI:
$4.73B
BILL:
$1.29B
SOFI:
$3.39B
BILL:
$68.77M
SOFI:
$1.40B
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
BILL vs. SOFI — Risk / Return Rank
BILL
SOFI
BILL vs. SOFI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Bill.com Holdings, Inc. (BILL) 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.
| BILL | SOFI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.59 | ||
| Sortino ratioReturn per unit of downside risk | -0.93 | ||
| Omega ratioGain probability vs. loss probability | 0.97 | 1.08 | -0.11 |
| Calmar ratioReturn relative to maximum drawdown | -0.57 | 0.21 | -0.79 |
| Martin ratioReturn relative to average drawdown | -1.25 | 0.39 | -1.64 |
Loading charts...
Drawdowns
BILL vs. SOFI - Drawdown Comparison
The maximum BILL drawdown since its inception was -90.61%, which is greater than SOFI's maximum drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for BILL and SOFI.
Loading charts...
Drawdown Indicators
| BILL | SOFI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -90.61% | -83.32% | -7.29% |
Max Drawdown (1Y)Largest decline over 1 year | -42.94% | -52.96% | +10.02% |
Max Drawdown (3Y)Largest decline over 3 years | -76.29% | -52.96% | -23.33% |
Max Drawdown (5Y)Largest decline over 5 years | -90.61% | -81.54% | -9.07% |
Current DrawdownCurrent decline from peak | -90.31% | -48.53% | -41.78% |
Average DrawdownAverage peak-to-trough decline | -54.69% | -51.20% | -3.49% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 19.67% | 28.88% | -9.21% |
Volatility
BILL vs. SOFI - Volatility Comparison
Bill.com Holdings, Inc. (BILL) and SoFi Technologies, Inc. (SOFI) have volatilities of 16.82% and 17.35%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| BILL | SOFI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 16.82% | 17.35% | -0.53% |
Volatility (6M)Calculated over the trailing 6-month period | 50.00% | 38.57% | +11.43% |
Volatility (1Y)Calculated over the trailing 1-year period | 63.38% | 56.54% | +6.84% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 70.45% | 66.69% | +3.76% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 72.98% | 71.92% | +1.06% |
Dividends
BILL vs. SOFI - Dividend Comparison
Neither BILL nor SOFI has paid dividends to shareholders.
Financials
BILL vs. SOFI - Financials Comparison
This section allows you to compare key financial metrics between Bill.com Holdings, Inc. and SoFi Technologies, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
BILL vs. SOFI - Profitability Comparison
BILL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported a gross profit of 331.85M and revenue of 406.56M. Therefore, the gross margin over that period was 81.6%.
SOFI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, SoFi Technologies, Inc. reported a gross profit of 880.26M and revenue of 1.00B. Therefore, the gross margin over that period was 87.9%.
BILL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported an operating income of 96.41M and revenue of 406.56M, resulting in an operating margin of 23.7%.
SOFI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, SoFi Technologies, Inc. reported an operating income of 159.46M and revenue of 1.00B, resulting in an operating margin of 15.9%.
BILL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported a net income of 12.79M and revenue of 406.56M, resulting in a net margin of 3.1%.
SOFI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, SoFi Technologies, Inc. reported a net income of 166.73M and revenue of 1.00B, resulting in a net margin of 16.7%.
Frequently Asked Questions
BILL and SOFI have a correlation of 0.37, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SOFI has higher volatility (17.35%) compared to BILL (16.82%). In terms of maximum drawdown, BILL dropped -90.61% vs SOFI's -83.32%.
SOFI currently has the higher Sharpe Ratio (0.20 vs -0.39), 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.
Find the right allocation for BILL and SOFI
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer