IFS vs. SOFI
IFS (Intercorp Financial Services Inc.) and SOFI (SoFi Technologies, Inc.) are both stocks. Both are in the Financial Services sector — IFS in Banks - Regional, SOFI in Credit Services. Over the past 5 years, IFS returned 15.71%/yr vs -4.34%/yr for SOFI. At a 0.18 correlation, their price movements are largely independent.
Performance
IFS vs. SOFI - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, IFS achieves a 20.63% return, which is significantly higher than SOFI's -36.29% return.
IFS
- 1D
- -2.68%
- 1M
- 11.57%
- YTD
- 20.63%
- 6M
- 26.08%
- 1Y
- 46.79%
- 3Y*
- 35.25%
- 5Y*
- 15.71%
- 10Y*
- —
SOFI
- 1D
- -5.98%
- 1M
- 2.96%
- YTD
- -36.29%
- 6M
- -42.62%
- 1Y
- 22.11%
- 3Y*
- 33.38%
- 5Y*
- -4.34%
- 10Y*
- —
IFS vs. SOFI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
IFS Intercorp Financial Services Inc. | 20.63% | 49.00% | 39.89% | -1.52% | -5.41% | -13.75% | 7.83% |
SOFI SoFi Technologies, Inc. | -36.29% | 70.00% | 54.77% | 115.84% | -70.84% | 27.09% | 18.70% |
Correlation
The correlation between IFS and SOFI is 0.24, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.24 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.19 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.20 |
Correlation (All Time) Calculated using the full available price history since Dec 1, 2020 | 0.18 |
Fundamentals
IFS:
$5.45B
SOFI:
$22.99B
IFS:
$18.58
SOFI:
$0.44
IFS:
2.64
SOFI:
37.58
IFS:
0.56
SOFI:
4.58
IFS:
0.46
SOFI:
2.13
IFS:
$9.79B
SOFI:
$4.73B
IFS:
$6.59B
SOFI:
$3.39B
IFS:
$2.86B
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
IFS vs. SOFI — Risk / Return Rank
IFS
SOFI
IFS vs. SOFI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Intercorp Financial Services Inc. (IFS) 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.
| IFS | SOFI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.13 | ||
| Sortino ratioReturn per unit of downside risk | +1.19 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.11 | +0.18 |
| Calmar ratioReturn relative to maximum drawdown | 3.51 | 0.42 | +3.09 |
| Martin ratioReturn relative to average drawdown | 8.80 | 0.80 | +8.00 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading charts...
Sharpe Ratios by Period
| IFS | SOFI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.53 | 0.40 | +1.13 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.48 | -0.07 | +0.55 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.22 | 0.12 | +0.09 |
Drawdowns
IFS vs. SOFI - Drawdown Comparison
The maximum IFS drawdown since its inception was -55.33%, smaller than the maximum SOFI drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for IFS and SOFI.
Loading charts...
Drawdown Indicators
| IFS | SOFI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.33% | -83.32% | +27.99% |
Max Drawdown (1Y)Largest decline over 1 year | -13.40% | -52.96% | +39.56% |
Max Drawdown (3Y)Largest decline over 3 years | -28.42% | -52.96% | +24.54% |
Max Drawdown (5Y)Largest decline over 5 years | -44.33% | -82.00% | +37.67% |
Current DrawdownCurrent decline from peak | -2.89% | -48.21% | +45.32% |
Average DrawdownAverage peak-to-trough decline | -24.87% | -51.23% | +26.36% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.33% | 27.71% | -22.38% |
Volatility
IFS vs. SOFI - Volatility Comparison
The current volatility for Intercorp Financial Services Inc. (IFS) is 9.84%, while SoFi Technologies, Inc. (SOFI) has a volatility of 15.51%. This indicates that IFS 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.
Loading charts...
Volatility by Period
| IFS | SOFI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 9.84% | 15.51% | -5.67% |
Volatility (6M)Calculated over the trailing 6-month period | 25.23% | 37.95% | -12.72% |
Volatility (1Y)Calculated over the trailing 1-year period | 30.84% | 56.07% | -25.23% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 32.72% | 66.96% | -34.24% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.08% | 71.97% | -34.89% |
Dividends
IFS vs. SOFI - Dividend Comparison
IFS's dividend yield for the trailing twelve months is around 3.67%, while SOFI has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
IFS Intercorp Financial Services Inc. | 3.67% | 2.36% | 3.41% | 5.38% | 7.45% | 5.38% | 5.41% |
SOFI SoFi Technologies, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
IFS vs. SOFI - Financials Comparison
This section allows you to compare key financial metrics between Intercorp Financial Services 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
IFS vs. SOFI - Profitability Comparison
IFS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Intercorp Financial Services Inc. reported a gross profit of 2.34B and revenue of 3.07B. Therefore, the gross margin over that period was 76.3%.
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%.
IFS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Intercorp Financial Services Inc. reported an operating income of 754.64M and revenue of 3.07B, resulting in an operating margin of 24.6%.
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%.
IFS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Intercorp Financial Services Inc. reported a net income of 597.27M and revenue of 3.07B, resulting in a net margin of 19.5%.
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
IFS and SOFI have a correlation of 0.24, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SOFI has higher volatility (15.51%) compared to IFS (9.84%). In terms of maximum drawdown, IFS dropped -55.33% vs SOFI's -83.32%.
IFS currently has the higher Sharpe Ratio (1.53 vs 0.40), 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 IFS 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