CLOV vs. SOFI
CLOV (Clover Health Investments, Corp.) and SOFI (SoFi Technologies, Inc.) are both stocks. CLOV operates in Healthcare Plans (Healthcare), while SOFI operates in Credit Services (Financial Services). Over the past 5 years, CLOV returned -25.36%/yr vs -6.19%/yr for SOFI. At a 0.44 correlation, their price movements are largely independent.
Performance
CLOV vs. SOFI - Performance Comparison
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Returns By Period
In the year-to-date period, CLOV achieves a 66.81% return, which is significantly higher than SOFI's -36.97% return.
CLOV
- 1D
- 2.35%
- 1M
- 25.64%
- YTD
- 66.81%
- 6M
- 53.13%
- 1Y
- 28.31%
- 3Y*
- 57.67%
- 5Y*
- -25.36%
- 10Y*
- —
SOFI
- 1D
- 2.93%
- 1M
- 4.76%
- YTD
- -36.97%
- 6M
- -40.24%
- 1Y
- 15.87%
- 3Y*
- 26.35%
- 5Y*
- -6.19%
- 10Y*
- —
CLOV vs. SOFI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
CLOV Clover Health Investments, Corp. | 66.81% | -25.40% | 230.85% | 2.43% | -75.01% | -77.82% | 61.41% |
SOFI SoFi Technologies, Inc. | -36.97% | 70.00% | 54.77% | 115.84% | -70.84% | 27.09% | 18.70% |
Correlation
The correlation between CLOV and SOFI is 0.36, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.36 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.34 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.45 |
Correlation (All Time) Calculated using the full available price history since Dec 1, 2020 | 0.44 |
The correlation between CLOV and SOFI shifts across timeframes, from 0.34 (3 years) to 0.45 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
CLOV:
$2.05B
SOFI:
$22.74B
CLOV:
-$0.11
SOFI:
$0.44
CLOV:
0.91
SOFI:
4.53
CLOV:
6.03
SOFI:
2.10
CLOV:
$2.21B
SOFI:
$4.73B
CLOV:
$939.14M
SOFI:
$3.39B
CLOV:
-$55.21M
SOFI:
$1.40B
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Return for Risk
CLOV vs. SOFI — Risk / Return Rank
CLOV
SOFI
CLOV vs. SOFI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Clover Health Investments, Corp. (CLOV) 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.
| CLOV | SOFI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.13 | ||
| Sortino ratioReturn per unit of downside risk | +0.32 | ||
| Omega ratioGain probability vs. loss probability | 1.14 | 1.09 | +0.04 |
| Calmar ratioReturn relative to maximum drawdown | 0.51 | 0.30 | +0.21 |
| Martin ratioReturn relative to average drawdown | 0.93 | 0.56 | +0.37 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| CLOV | SOFI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.41 | 0.28 | +0.13 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.33 | -0.09 | -0.24 |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.17 | 0.12 | -0.29 |
Drawdowns
CLOV vs. SOFI - Drawdown Comparison
The maximum CLOV drawdown since its inception was -97.19%, which is greater than SOFI's maximum drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for CLOV and SOFI.
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Drawdown Indicators
| CLOV | SOFI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -97.19% | -83.32% | -13.87% |
Max Drawdown (1Y)Largest decline over 1 year | -55.50% | -52.96% | -2.54% |
Max Drawdown (3Y)Largest decline over 3 years | -64.73% | -52.96% | -11.77% |
Max Drawdown (5Y)Largest decline over 5 years | -95.86% | -81.54% | -14.32% |
Current DrawdownCurrent decline from peak | -82.30% | -48.77% | -33.53% |
Average DrawdownAverage peak-to-trough decline | -76.63% | -51.23% | -25.40% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 30.48% | 28.21% | +2.27% |
Volatility
CLOV vs. SOFI - Volatility Comparison
Clover Health Investments, Corp. (CLOV) has a higher volatility of 23.92% compared to SoFi Technologies, Inc. (SOFI) at 17.24%. This indicates that CLOV's price experiences larger fluctuations and is considered to be riskier than SOFI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CLOV | SOFI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 23.92% | 17.24% | +6.68% |
Volatility (6M)Calculated over the trailing 6-month period | 40.34% | 38.62% | +1.72% |
Volatility (1Y)Calculated over the trailing 1-year period | 69.47% | 56.53% | +12.94% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 78.08% | 66.71% | +11.37% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 85.65% | 71.97% | +13.68% |
Dividends
CLOV vs. SOFI - Dividend Comparison
Neither CLOV nor SOFI has paid dividends to shareholders.
Financials
CLOV vs. SOFI - Financials Comparison
This section allows you to compare key financial metrics between Clover Health Investments, Corp. 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
CLOV vs. SOFI - Profitability Comparison
CLOV - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Clover Health Investments, Corp. reported a gross profit of 692.13M and revenue of 749.19M. Therefore, the gross margin over that period was 92.4%.
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%.
CLOV - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Clover Health Investments, Corp. reported an operating income of 27.33M and revenue of 749.19M, resulting in an operating margin of 3.7%.
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%.
CLOV - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Clover Health Investments, Corp. reported a net income of 27.33M and revenue of 749.19M, resulting in a net margin of 3.7%.
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
CLOV and SOFI have a correlation of 0.36, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CLOV has higher volatility (23.92%) compared to SOFI (17.24%). In terms of maximum drawdown, CLOV dropped -97.19% vs SOFI's -83.32%.
CLOV currently has the higher Sharpe Ratio (0.41 vs 0.28), 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.
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