SCHD vs. SOFI

Last updated Jun 9, 2026

SCHD (Schwab U.S. Dividend Equity ETF) is Dividend fund tracking the Dow Jones U.S. Dividend 100 Index, while SOFI (SoFi Technologies, Inc.) is a stock. Over the past 5 years, SCHD returned 8.49%/yr vs -6.19%/yr for SOFI. At a 0.34 correlation, their price movements are largely independent.

Performance

SCHD vs. SOFI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Schwab U.S. Dividend Equity ETF (SCHD) 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, SCHD achieves a 18.71% return, which is significantly higher than SOFI's -36.97% return.

SCHD

• 1D: -0.03%
• 1M: 2.12%
• YTD: 18.71%
• 6M: 19.28%
• 1Y: 26.37%
• 3Y*: 14.73%
• 5Y*: 8.49%
• 10Y*: 12.65%

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)

SCHD vs. SOFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
SCHD Schwab U.S. Dividend Equity ETF	18.71%	4.34%	11.66%	4.54%	-3.26%	29.87%	3.05%
SOFI SoFi Technologies, Inc.	-36.97%	70.00%	54.77%	115.84%	-70.84%	27.09%	18.70%

Correlation

The correlation between SCHD and SOFI is 0.11, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.11
Correlation (3Y) Calculated over the trailing 3-year period	0.36
Correlation (5Y) Calculated over the trailing 5-year period	0.37
Correlation (All Time) Calculated using the full available price history since Dec 1, 2020	0.34

Over the past year, the correlation between SCHD and SOFI has dropped to 0.11 - well below their long-term average of 0.34, suggesting their price drivers have been diverging.

Return for Risk

SCHD vs. SOFI — Risk / Return Rank

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

SCHD

SCHD Risk / Return Rank: 85
SCHD Sharpe Ratio Rank: 83
SCHD Sortino Ratio Rank: 89
SCHD Omega Ratio Rank: 81
SCHD Calmar Ratio Rank: 92
SCHD Martin Ratio Rank: 80

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.

SCHD vs. SOFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Schwab U.S. Dividend Equity ETF (SCHD) 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.

	SCHD	SOFI	Difference
Sharpe ratio: Return per unit of total volatility	2.43	0.28	+2.14
Sortino ratio: Return per unit of downside risk	3.75	0.76	+2.99
Omega ratio: Gain probability vs. loss probability	1.43	1.09	+0.34
Calmar ratio: Return relative to maximum drawdown	5.74	0.30	+5.44
Martin ratio: Return relative to average drawdown	14.06	0.56	+13.50
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SCHD vs. SOFI - Sharpe Ratio Comparison

The current SCHD Sharpe Ratio is 2.43, which is higher than the SOFI Sharpe Ratio of 0.28. The chart below compares the historical Sharpe Ratios of SCHD 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

	SCHD	SOFI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.43	0.28	+2.14
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.59	-0.09	+0.69
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.76	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.86	0.12	+0.74

Drawdowns

SCHD vs. SOFI - Drawdown Comparison

The maximum SCHD drawdown since its inception was -33.37%, smaller than the maximum SOFI drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for SCHD and SOFI.

Drawdown Indicators

	SCHD	SOFI	Difference
Max Drawdown Largest peak-to-trough decline	-33.37%	-83.32%	+49.95%
Max Drawdown (1Y) Largest decline over 1 year	-4.61%	-52.96%	+48.35%
Max Drawdown (3Y) Largest decline over 3 years	-16.13%	-52.96%	+36.83%
Max Drawdown (5Y) Largest decline over 5 years	-16.85%	-81.54%	+64.69%
Max Drawdown (10Y) Largest decline over 10 years	-33.37%	—	—
Current Drawdown Current decline from peak	-1.64%	-48.77%	+47.13%
Average Drawdown Average peak-to-trough decline	-3.32%	-51.23%	+47.91%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.88%	28.21%	-26.33%

Volatility

SCHD vs. SOFI - Volatility Comparison

The current volatility for Schwab U.S. Dividend Equity ETF (SCHD) is 2.83%, while SoFi Technologies, Inc. (SOFI) has a volatility of 17.24%. This indicates that SCHD 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

	SCHD	SOFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.83%	17.24%	-14.41%
Volatility (6M) Calculated over the trailing 6-month period	7.60%	38.62%	-31.02%
Volatility (1Y) Calculated over the trailing 1-year period	10.94%	56.53%	-45.59%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	14.38%	66.71%	-52.33%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.72%	71.97%	-55.25%

Dividends

SCHD vs. SOFI - Dividend Comparison

SCHD's dividend yield for the trailing twelve months is around 3.27%, while SOFI has not paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SCHD Schwab U.S. Dividend Equity ETF	3.27%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
SOFI SoFi Technologies, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both SCHD and SOFI in my portfolio?

SCHD and SOFI have a correlation of 0.11, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, SCHD or SOFI?

SOFI has higher volatility (17.24%) compared to SCHD (2.83%). In terms of maximum drawdown, SCHD dropped -33.37% vs SOFI's -83.32%.

Which has better risk-adjusted returns?

SCHD currently has the higher Sharpe Ratio (2.43 vs 0.28), 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.