IFS vs. SOFI

Last updated Apr 2, 2026

Compare and contrast key facts about Intercorp Financial Services Inc. (IFS) and SoFi Technologies, Inc. (SOFI).

Performance

IFS vs. SOFI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Intercorp Financial Services Inc. (IFS) and SoFi Technologies, Inc. (SOFI). The values are adjusted to include any dividend payments, if applicable.

IFS vs. SOFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
IFS Intercorp Financial Services Inc.	18.63%	49.00%	39.89%	-1.52%	-5.41%	-13.75%	7.83%
SOFI SoFi Technologies, Inc.	-40.30%	70.00%	54.77%	115.84%	-70.84%	27.09%	18.70%

Fundamentals

Market Cap IFS : $5.53B SOFI : $21.04B
EPS IFS : $17.01 SOFI : $0.38
PE Ratio IFS : 2.95 SOFI : 41.36
PS Ratio IFS : 0.62 SOFI : 4.56
PB Ratio IFS : 0.45 SOFI : 2.01
Total Revenue (TTM) IFS : $9.05B SOFI : $4.36B
Gross Profit (TTM) IFS : $5.69B SOFI : $2.56B
EBITDA (TTM) IFS : $2.64B SOFI : $818.24M

Returns By Period

In the year-to-date period, IFS achieves a 18.63% return, which is significantly higher than SOFI's -40.30% return.

IFS

• 1D: 0.10%
• 1M: 4.40%
• YTD: 18.63%
• 6M: 25.62%
• 1Y: 53.48%
• 3Y*: 35.86%
• 5Y*: 15.36%
• 10Y*: —

SOFI

• 1D: -1.57%
• 1M: -15.01%
• YTD: -40.30%
• 6M: -39.32%
• 1Y: 31.23%
• 3Y*: 37.06%
• 5Y*: -1.98%
• 10Y*: —

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

Return for Risk

IFS vs. SOFI — Risk / Return Rank

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

IFS

IFS Risk / Return Rank: 88
IFS Sharpe Ratio Rank: 89
IFS Sortino Ratio Rank: 86
IFS Omega Ratio Rank: 85
IFS Calmar Ratio Rank: 91
IFS Martin Ratio Rank: 91

SOFI

SOFI Risk / Return Rank: 57
SOFI Sharpe Ratio Rank: 59
SOFI Sortino Ratio Rank: 57
SOFI Omega Ratio Rank: 54
SOFI Calmar Ratio Rank: 56
SOFI Martin Ratio Rank: 58

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.

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 ratio Return per unit of total volatility	1.91	0.52	+1.39
Sortino ratio Return per unit of downside risk	2.53	1.10	+1.43
Omega ratio Gain probability vs. loss probability	1.33	1.13	+0.20
Calmar ratio Return relative to maximum drawdown	4.22	0.65	+3.57
Martin ratio Return relative to average drawdown	11.57	1.73	+9.84
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

IFS vs. SOFI - Sharpe Ratio Comparison

The current IFS Sharpe Ratio is 1.91, which is higher than the SOFI Sharpe Ratio of 0.52. The chart below compares the historical Sharpe Ratios of IFS and SOFI, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	IFS	SOFI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.91	0.52	+1.39
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.46	-0.03	+0.49
Sharpe Ratio (All Time) Calculated using the full available price history	0.22	0.11	+0.11

Correlation

The correlation between IFS and SOFI is 0.18, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

IFS vs. SOFI - Dividend Comparison

IFS's dividend yield for the trailing twelve months is around 1.99%, while SOFI has not paid dividends to shareholders.

	TTM	2025	2024	2023	2022	2021	2020
IFS Intercorp Financial Services Inc.	1.99%	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%

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.

Drawdown Indicators

	IFS	SOFI	Difference
Max Drawdown Largest 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 (5Y) Largest decline over 5 years	-44.33%	-82.00%	+37.67%
Current Drawdown Current decline from peak	-2.43%	-51.47%	+49.04%
Average Drawdown Average peak-to-trough decline	-25.35%	-51.35%	+26.00%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.88%	19.84%	-14.96%

Volatility

IFS vs. SOFI - Volatility Comparison

The current volatility for Intercorp Financial Services Inc. (IFS) is 9.87%, while SoFi Technologies, Inc. (SOFI) has a volatility of 10.41%. 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.

Volatility by Period

	IFS	SOFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	9.87%	10.41%	-0.54%
Volatility (6M) Calculated over the trailing 6-month period	20.25%	41.85%	-21.60%
Volatility (1Y) Calculated over the trailing 1-year period	28.15%	59.88%	-31.73%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	33.40%	67.13%	-33.73%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	36.91%	72.31%	-35.40%

Financials

IFS vs. SOFI - Profitability Comparison

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

IFS - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Intercorp Financial Services Inc. reported a gross profit of 513.12M and revenue of 1.28B. Therefore, the gross margin over that period was 40.2%.

SOFI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, SoFi Technologies, Inc. reported a gross profit of 0.00 and revenue of 927.42M. Therefore, the gross margin over that period was 0.0%.

IFS - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Intercorp Financial Services Inc. reported an operating income of 615.94M and revenue of 1.28B, resulting in an operating margin of 48.2%.

SOFI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, SoFi Technologies, Inc. reported an operating income of 0.00 and revenue of 927.42M, resulting in an operating margin of 0.0%.

IFS - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Intercorp Financial Services Inc. reported a net income of 455.34M and revenue of 1.28B, resulting in a net margin of 35.7%.

SOFI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, SoFi Technologies, Inc. reported a net income of 173.55M and revenue of 927.42M, resulting in a net margin of 18.7%.