LC vs. SOFI
LC (LendingClub Corporation) and SOFI (SoFi Technologies, Inc.) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 5 years, LC returned -0.26%/yr vs -4.39%/yr for SOFI. A 0.64 correlation means they provide meaningful diversification when combined.
Performance
LC vs. SOFI - Performance Comparison
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Returns By Period
In the year-to-date period, LC achieves a 1.43% return, which is significantly higher than SOFI's -34.68% return.
LC
- 1D
- 0.00%
- 1M
- 22.90%
- YTD
- 1.43%
- 6M
- -3.66%
- 1Y
- 74.48%
- 3Y*
- 27.04%
- 5Y*
- -0.26%
- 10Y*
- -1.97%
SOFI
- 1D
- -4.52%
- 1M
- 9.48%
- YTD
- -34.68%
- 6M
- -37.48%
- 1Y
- 12.50%
- 3Y*
- 27.35%
- 5Y*
- -4.39%
- 10Y*
- —
LC vs. SOFI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
LC LendingClub Corporation | 1.43% | 16.99% | 85.24% | -0.68% | -63.61% | 128.98% | 32.50% |
SOFI SoFi Technologies, Inc. | -34.68% | 70.00% | 54.77% | 115.84% | -70.84% | 27.09% | 13.09% |
Correlation
The correlation between LC and SOFI is 0.66, 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 | 0.66 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.69 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.67 |
Correlation (All Time) Calculated using the full available price history since Nov 30, 2020 | 0.64 |
The correlation between LC and SOFI has been stable across timeframes, ranging from 0.64 to 0.69 - a consistent structural relationship.
Fundamentals
LC:
$2.25B
SOFI:
$23.56B
LC:
$1.49
SOFI:
$0.44
LC:
12.86
SOFI:
38.53
LC:
1.74
SOFI:
4.70
LC:
1.48
SOFI:
2.18
LC:
$1.30B
SOFI:
$4.73B
LC:
$872.66M
SOFI:
$3.39B
LC:
$309.10M
SOFI:
$1.40B
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Return for Risk
LC vs. SOFI — Risk / Return Rank
LC
SOFI
LC vs. SOFI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for LendingClub Corporation (LC) 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| LC | SOFI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.13 | ||
| Sortino ratioReturn per unit of downside risk | +1.28 | ||
| Omega ratioGain probability vs. loss probability | 1.26 | 1.08 | +0.17 |
| Calmar ratioReturn relative to maximum drawdown | 1.96 | 0.24 | +1.72 |
| Martin ratioReturn relative to average drawdown | 4.35 | 0.42 | +3.93 |
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Drawdowns
LC vs. SOFI - Drawdown Comparison
The maximum LC drawdown since its inception was -96.84%, which is greater than SOFI's maximum drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for LC and SOFI.
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Drawdown Indicators
| LC | SOFI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.84% | -83.32% | -13.52% |
Max Drawdown (1Y)Largest decline over 1 year | -38.28% | -52.96% | +14.68% |
Max Drawdown (3Y)Largest decline over 3 years | -53.53% | -52.96% | -0.57% |
Max Drawdown (5Y)Largest decline over 5 years | -89.48% | -81.54% | -7.94% |
Max Drawdown (10Y)Largest decline over 10 years | -89.48% | — | — |
Current DrawdownCurrent decline from peak | -86.23% | -46.91% | -39.32% |
Average DrawdownAverage peak-to-trough decline | -83.58% | -51.18% | -32.40% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 17.16% | 29.59% | -12.43% |
Volatility
LC vs. SOFI - Volatility Comparison
The current volatility for LendingClub Corporation (LC) is 15.60%, while SoFi Technologies, Inc. (SOFI) has a volatility of 17.56%. This indicates that LC 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.
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Volatility by Period
| LC | SOFI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 15.60% | 17.56% | -1.96% |
Volatility (6M)Calculated over the trailing 6-month period | 41.56% | 38.52% | +3.04% |
Volatility (1Y)Calculated over the trailing 1-year period | 55.55% | 56.08% | -0.53% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 65.16% | 66.65% | -1.49% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 63.12% | 71.85% | -8.73% |
Dividends
LC vs. SOFI - Dividend Comparison
Neither LC nor SOFI has paid dividends to shareholders.
Financials
LC vs. SOFI - Financials Comparison
This section allows you to compare key financial metrics between LendingClub Corporation 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
LC vs. SOFI - Profitability Comparison
LC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, LendingClub Corporation reported a gross profit of 177.54M and revenue of 261.21M. Therefore, the gross margin over that period was 68.0%.
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%.
LC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, LendingClub Corporation reported an operating income of 122.12M and revenue of 261.21M, resulting in an operating margin of 46.8%.
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%.
LC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, LendingClub Corporation reported a net income of 51.60M and revenue of 261.21M, resulting in a net margin of 19.8%.
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
LC and SOFI have a correlation of 0.66, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SOFI has higher volatility (17.56%) compared to LC (15.60%). In terms of maximum drawdown, LC dropped -96.84% vs SOFI's -83.32%.
LC currently has the higher Sharpe Ratio (1.35 vs 0.22), 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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