JOBY vs. SOFI

Last updated Jun 9, 2026

JOBY (Joby Aviation, Inc.) and SOFI (SoFi Technologies, Inc.) are both stocks. JOBY operates in Airports & Air Services (Industrials), while SOFI operates in Credit Services (Financial Services). Over the past 3 years, JOBY returned 11.70%/yr vs 26.35%/yr for SOFI. A 0.54 correlation means they provide meaningful diversification when combined.

Performance

JOBY vs. SOFI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Joby Aviation, Inc. (JOBY) 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, JOBY achieves a -26.52% return, which is significantly higher than SOFI's -36.97% return.

JOBY

• 1D: 1.57%
• 1M: -10.76%
• YTD: -26.52%
• 6M: -37.46%
• 1Y: 19.46%
• 3Y*: 11.70%
• 5Y*: —
• 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)

JOBY vs. SOFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
JOBY Joby Aviation, Inc.	-26.52%	62.36%	22.26%	98.51%	-54.11%	-45.52%
SOFI SoFi Technologies, Inc.	-36.97%	70.00%	54.77%	115.84%	-70.84%	-6.45%

Correlation

The correlation between JOBY and SOFI is 0.50, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.50
Correlation (3Y) Calculated over the trailing 3-year period	0.56
Correlation (All Time) Calculated using the full available price history since Aug 12, 2021	0.54

The correlation between JOBY and SOFI has been stable across timeframes, ranging from 0.50 to 0.56 - a consistent structural relationship.

Fundamentals

Market Cap JOBY : $9.15B SOFI : $22.74B
EPS JOBY : -$1.10 SOFI : $0.44
PS Ratio JOBY : 108.63 SOFI : 4.53
PB Ratio JOBY : 4.67 SOFI : 2.10
Total Revenue (TTM) JOBY : $77.67M SOFI : $4.73B
Gross Profit (TTM) JOBY : $8.72M SOFI : $3.39B
EBITDA (TTM) JOBY : -$1.05B SOFI : $1.40B

Return for Risk

JOBY vs. SOFI — Risk / Return Rank

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

JOBY

JOBY Risk / Return Rank: 51
JOBY Sharpe Ratio Rank: 51
JOBY Sortino Ratio Rank: 56
JOBY Omega Ratio Rank: 52
JOBY Calmar Ratio Rank: 50
JOBY Martin Ratio Rank: 49

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.

JOBY vs. SOFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Joby Aviation, Inc. (JOBY) 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.

	JOBY	SOFI	Difference
Sharpe ratio: Return per unit of total volatility	0.25	0.28	-0.04
Sortino ratio: Return per unit of downside risk	0.99	0.76	+0.23
Omega ratio: Gain probability vs. loss probability	1.11	1.09	+0.02
Calmar ratio: Return relative to maximum drawdown	0.32	0.30	+0.02
Martin ratio: Return relative to average drawdown	0.54	0.56	-0.03
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

JOBY vs. SOFI - Sharpe Ratio Comparison

The current JOBY Sharpe Ratio is 0.25, which is comparable to the SOFI Sharpe Ratio of 0.28. The chart below compares the historical Sharpe Ratios of JOBY 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

	JOBY	SOFI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.25	0.28	-0.04
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	-0.09	—
Sharpe Ratio (All Time) Calculated using the full available price history	-0.08	0.12	-0.20

Drawdowns

JOBY vs. SOFI - Drawdown Comparison

The maximum JOBY drawdown since its inception was -76.27%, smaller than the maximum SOFI drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for JOBY and SOFI.

Drawdown Indicators

	JOBY	SOFI	Difference
Max Drawdown Largest peak-to-trough decline	-76.27%	-83.32%	+7.05%
Max Drawdown (1Y) Largest decline over 1 year	-61.06%	-52.96%	-8.10%
Max Drawdown (3Y) Largest decline over 3 years	-61.06%	-52.96%	-8.10%
Max Drawdown (5Y) Largest decline over 5 years	—	-81.54%	—
Current Drawdown Current decline from peak	-52.43%	-48.77%	-3.66%
Average Drawdown Average peak-to-trough decline	-50.39%	-51.23%	+0.84%
Ulcer Index Depth and duration of drawdowns from previous peaks	36.21%	28.21%	+8.00%

Volatility

JOBY vs. SOFI - Volatility Comparison

Joby Aviation, Inc. (JOBY) has a higher volatility of 23.36% compared to SoFi Technologies, Inc. (SOFI) at 17.24%. This indicates that JOBY'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

	JOBY	SOFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	23.36%	17.24%	+6.12%
Volatility (6M) Calculated over the trailing 6-month period	50.66%	38.62%	+12.04%
Volatility (1Y) Calculated over the trailing 1-year period	79.38%	56.53%	+22.85%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	79.91%	66.71%	+13.20%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	79.91%	71.97%	+7.94%

Dividends

JOBY vs. SOFI - Dividend Comparison

Neither JOBY nor SOFI has paid dividends to shareholders.

Tickers have no history of dividend payments

Financials

Frequently Asked Questions

Can I hold both JOBY and SOFI in my portfolio?

JOBY and SOFI have a correlation of 0.50, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, JOBY or SOFI?

JOBY has higher volatility (23.36%) compared to SOFI (17.24%). In terms of maximum drawdown, JOBY dropped -76.27% vs SOFI's -83.32%.

Which has better risk-adjusted returns?

SOFI currently has the higher Sharpe Ratio (0.28 vs 0.25), 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.