COIN vs. SOFI

Last updated Jun 9, 2026

COIN (Coinbase Global, Inc.) and SOFI (SoFi Technologies, Inc.) are both stocks. Both are in the Financial Services sector — COIN in Financial Data & Stock Exchanges, SOFI in Credit Services. Over the past 5 years, COIN returned -6.29%/yr vs -6.19%/yr for SOFI. A 0.56 correlation means they provide meaningful diversification when combined.

Performance

COIN vs. SOFI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Coinbase Global, Inc. (COIN) 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, COIN achieves a -28.31% return, which is significantly higher than SOFI's -36.97% return.

COIN

• 1D: 6.37%
• 1M: -19.41%
• YTD: -28.31%
• 6M: -40.88%
• 1Y: -35.48%
• 3Y*: 44.90%
• 5Y*: -6.29%
• 10Y*: —

SOFI

• 1D: 2.93%
• 1M: 4.76%
• YTD: -36.97%
• 6M: -40.24%
• 1Y: 15.87%
• 3Y*: 26.35%
• 5Y*: -6.19%
• 10Y*: —

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

COIN vs. SOFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
COIN Coinbase Global, Inc.	-28.31%	-8.92%	42.77%	391.44%	-85.98%	-33.76%
SOFI SoFi Technologies, Inc.	-36.97%	70.00%	54.77%	115.84%	-70.84%	-6.06%

Correlation

The correlation between COIN and SOFI is 0.55, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.55
Correlation (3Y) Calculated over the trailing 3-year period	0.55
Correlation (5Y) Calculated over the trailing 5-year period	0.58
Correlation (All Time) Calculated using the full available price history since Apr 14, 2021	0.56

The correlation between COIN and SOFI has been stable across timeframes, ranging from 0.55 to 0.58 - a consistent structural relationship.

Fundamentals

Market Cap COIN : $42.92B SOFI : $22.74B
EPS COIN : $2.90 SOFI : $0.44
PE Ratio COIN : 55.88 SOFI : 37.17
PS Ratio COIN : 7.70 SOFI : 4.53
PB Ratio COIN : 3.18 SOFI : 2.10
Total Revenue (TTM) COIN : $5.81B SOFI : $4.73B
Gross Profit (TTM) COIN : $4.65B SOFI : $3.39B
EBITDA (TTM) COIN : $1.68B SOFI : $1.40B

Return for Risk

COIN vs. SOFI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

COIN

COIN Risk / Return Rank: 23
COIN Sharpe Ratio Rank: 20
COIN Sortino Ratio Rank: 22
COIN Omega Ratio Rank: 24
COIN Calmar Ratio Rank: 23
COIN Martin Ratio Rank: 25

SOFI

SOFI Risk / Return Rank: 50
SOFI Sharpe Ratio Rank: 52
SOFI Sortino Ratio Rank: 50
SOFI Omega Ratio Rank: 48
SOFI Calmar Ratio Rank: 50
SOFI Martin Ratio Rank: 49

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

COIN vs. SOFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Coinbase Global, Inc. (COIN) 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.

	COIN	SOFI	Difference
Sharpe ratio: Return per unit of total volatility	-0.51	0.28	-0.79
Sortino ratio: Return per unit of downside risk	-0.41	0.76	-1.17
Omega ratio: Gain probability vs. loss probability	0.95	1.09	-0.14
Calmar ratio: Return relative to maximum drawdown	-0.54	0.30	-0.84
Martin ratio: Return relative to average drawdown	-0.88	0.56	-1.45
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

COIN vs. SOFI - Sharpe Ratio Comparison

The current COIN Sharpe Ratio is -0.51, which is lower than the SOFI Sharpe Ratio of 0.28. The chart below compares the historical Sharpe Ratios of COIN 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.

Sharpe Ratios by Period

	COIN	SOFI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.51	0.28	-0.79
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.07	-0.09	+0.02
Sharpe Ratio (All Time) Calculated using the full available price history	-0.15	0.12	-0.27

Drawdowns

COIN vs. SOFI - Drawdown Comparison

The maximum COIN drawdown since its inception was -90.90%, which is greater than SOFI's maximum drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for COIN and SOFI.

Drawdown Indicators

	COIN	SOFI	Difference
Max Drawdown Largest peak-to-trough decline	-90.90%	-83.32%	-7.58%
Max Drawdown (1Y) Largest decline over 1 year	-66.39%	-52.96%	-13.43%
Max Drawdown (3Y) Largest decline over 3 years	-66.39%	-52.96%	-13.43%
Max Drawdown (5Y) Largest decline over 5 years	-90.90%	-81.54%	-9.36%
Current Drawdown Current decline from peak	-61.38%	-48.77%	-12.61%
Average Drawdown Average peak-to-trough decline	-49.86%	-51.23%	+1.37%
Ulcer Index Depth and duration of drawdowns from previous peaks	40.25%	28.21%	+12.04%

Volatility

COIN vs. SOFI - Volatility Comparison

Coinbase Global, Inc. (COIN) has a higher volatility of 21.42% compared to SoFi Technologies, Inc. (SOFI) at 17.24%. This indicates that COIN'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.

Volatility by Period

	COIN	SOFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	21.42%	17.24%	+4.18%
Volatility (6M) Calculated over the trailing 6-month period	51.58%	38.62%	+12.96%
Volatility (1Y) Calculated over the trailing 1-year period	70.60%	56.53%	+14.07%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	85.93%	66.71%	+19.22%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	85.40%	71.97%	+13.43%

Dividends

COIN vs. SOFI - Dividend Comparison

Neither COIN nor SOFI has paid dividends to shareholders.

Tickers have no history of dividend payments

Financials

COIN vs. SOFI - Profitability Comparison

The chart below illustrates the profitability comparison between Coinbase Global, Inc. and SoFi Technologies, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

COIN - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Coinbase Global, Inc. reported a gross profit of 1.22B and revenue of 1.41B. Therefore, the gross margin over that period was 86.1%.

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%.

COIN - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Coinbase Global, Inc. reported an operating income of 35.15M and revenue of 1.41B, resulting in an operating margin of 2.5%.

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%.

COIN - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Coinbase Global, Inc. reported a net income of -394.12M and revenue of 1.41B, resulting in a net margin of -27.9%.

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

Can I hold both COIN and SOFI in my portfolio?

COIN and SOFI have a correlation of 0.55, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, COIN or SOFI?

COIN has higher volatility (21.42%) compared to SOFI (17.24%). In terms of maximum drawdown, COIN dropped -90.90% vs SOFI's -83.32%.

Which has better risk-adjusted returns?

SOFI currently has the higher Sharpe Ratio (0.28 vs -0.51), 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.