PAYO vs. SOFI
PAYO (Payoneer Global Inc.) and SOFI (SoFi Technologies, Inc.) are both stocks. PAYO operates in Software - Infrastructure (Technology), while SOFI operates in Credit Services (Financial Services). Over the past 3 years, PAYO returned 4.53%/yr vs 26.35%/yr for SOFI. At a 0.49 correlation, their price movements are largely independent.
Performance
PAYO vs. SOFI - Performance Comparison
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Returns By Period
In the year-to-date period, PAYO achieves a -8.54% return, which is significantly higher than SOFI's -36.97% return.
PAYO
- 1D
- 1.98%
- 1M
- -0.39%
- YTD
- -8.54%
- 6M
- -9.03%
- 1Y
- -26.88%
- 3Y*
- 4.53%
- 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*
- —
PAYO vs. SOFI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
PAYO Payoneer Global Inc. | -8.54% | -44.02% | 92.71% | -4.75% | -25.58% | -30.66% |
SOFI SoFi Technologies, Inc. | -36.97% | 70.00% | 54.77% | 115.84% | -70.84% | -17.91% |
Correlation
The correlation between PAYO and SOFI is 0.37, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.37 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.45 |
Correlation (All Time) Calculated using the full available price history since Jun 29, 2021 | 0.49 |
The correlation between PAYO and SOFI shifts across timeframes, from 0.37 (1 year) to 0.49 (all time), reflecting how their relationship changes across market environments.
Fundamentals
PAYO:
$1.80B
SOFI:
$22.74B
PAYO:
$0.20
SOFI:
$0.44
PAYO:
26.19
SOFI:
37.17
PAYO:
1.77
SOFI:
4.53
PAYO:
2.73
SOFI:
2.10
PAYO:
$1.07B
SOFI:
$4.73B
PAYO:
$660.73M
SOFI:
$3.39B
PAYO:
$204.88M
SOFI:
$1.40B
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Return for Risk
PAYO vs. SOFI — Risk / Return Rank
PAYO
SOFI
PAYO vs. SOFI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Payoneer Global Inc. (PAYO) 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.
| PAYO | SOFI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.86 | ||
| Sortino ratioReturn per unit of downside risk | -1.34 | ||
| Omega ratioGain probability vs. loss probability | 0.93 | 1.09 | -0.17 |
| Calmar ratioReturn relative to maximum drawdown | -0.64 | 0.30 | -0.94 |
| Martin ratioReturn relative to average drawdown | -1.13 | 0.56 | -1.70 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| PAYO | SOFI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.57 | 0.28 | -0.86 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | — | -0.09 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.25 | 0.12 | -0.37 |
Drawdowns
PAYO vs. SOFI - Drawdown Comparison
The maximum PAYO drawdown since its inception was -67.91%, smaller than the maximum SOFI drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for PAYO and SOFI.
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Drawdown Indicators
| PAYO | SOFI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -67.91% | -83.32% | +15.41% |
Max Drawdown (1Y)Largest decline over 1 year | -42.45% | -52.96% | +10.51% |
Max Drawdown (3Y)Largest decline over 3 years | -61.36% | -52.96% | -8.40% |
Max Drawdown (5Y)Largest decline over 5 years | — | -81.54% | — |
Current DrawdownCurrent decline from peak | -53.48% | -48.77% | -4.71% |
Average DrawdownAverage peak-to-trough decline | -41.47% | -51.23% | +9.76% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 23.74% | 28.21% | -4.47% |
Volatility
PAYO vs. SOFI - Volatility Comparison
The current volatility for Payoneer Global Inc. (PAYO) is 12.41%, while SoFi Technologies, Inc. (SOFI) has a volatility of 17.24%. This indicates that PAYO 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
| PAYO | SOFI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 12.41% | 17.24% | -4.83% |
Volatility (6M)Calculated over the trailing 6-month period | 37.67% | 38.62% | -0.95% |
Volatility (1Y)Calculated over the trailing 1-year period | 47.16% | 56.53% | -9.37% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 55.61% | 66.71% | -11.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 55.61% | 71.97% | -16.36% |
Dividends
PAYO vs. SOFI - Dividend Comparison
Neither PAYO nor SOFI has paid dividends to shareholders.
Financials
PAYO vs. SOFI - Financials Comparison
This section allows you to compare key financial metrics between Payoneer Global 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
PAYO vs. SOFI - Profitability Comparison
PAYO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Payoneer Global Inc. reported a gross profit of 0.00 and revenue of 261.60M. Therefore, the gross margin over that period was 0.0%.
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%.
PAYO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Payoneer Global Inc. reported an operating income of 30.02M and revenue of 261.60M, resulting in an operating margin of 11.5%.
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%.
PAYO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Payoneer Global Inc. reported a net income of 19.57M and revenue of 261.60M, resulting in a net margin of 7.5%.
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
PAYO and SOFI have a correlation of 0.37, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SOFI has higher volatility (17.24%) compared to PAYO (12.41%). In terms of maximum drawdown, PAYO dropped -67.91% vs SOFI's -83.32%.
SOFI currently has the higher Sharpe Ratio (0.28 vs -0.57), 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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