SLM vs. SOFI

Last updated Apr 1, 2026

Compare and contrast key facts about SLM Corporation (SLM) and SoFi Technologies, Inc. (SOFI).

Performance

SLM vs. SOFI - Performance Comparison

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

SLM vs. SOFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
SLM SLM Corporation	-20.35%	-0.20%	47.25%	18.70%	-13.47%	60.54%	17.09%
SOFI SoFi Technologies, Inc.	-39.34%	70.00%	54.77%	115.84%	-70.84%	27.09%	18.70%

Fundamentals

Market Cap SLM : $4.32B SOFI : $21.38B
EPS SLM : $3.60 SOFI : $0.38
PE Ratio SLM : 5.95 SOFI : 42.03
PS Ratio SLM : 1.45 SOFI : 4.64
PB Ratio SLM : 2.21 SOFI : 2.04
Total Revenue (TTM) SLM : $3.03B SOFI : $4.36B
Gross Profit (TTM) SLM : $1.75B SOFI : $2.56B
EBITDA (TTM) SLM : $1.11B SOFI : $818.24M

Returns By Period

In the year-to-date period, SLM achieves a -20.35% return, which is significantly higher than SOFI's -39.34% return.

SLM

• 1D: 3.73%
• 1M: 15.01%
• YTD: -20.35%
• 6M: -21.80%
• 1Y: -25.69%
• 3Y*: 22.70%
• 5Y*: 5.49%
• 10Y*: 14.24%

SOFI

• 1D: 4.82%
• 1M: -10.59%
• YTD: -39.34%
• 6M: -39.89%
• 1Y: 36.54%
• 3Y*: 37.79%
• 5Y*: -1.66%
• 10Y*: —

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

Return for Risk

SLM vs. SOFI — Risk / Return Rank

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

SLM

SLM Risk / Return Rank: 18
SLM Sharpe Ratio Rank: 14
SLM Sortino Ratio Rank: 17
SLM Omega Ratio Rank: 16
SLM Calmar Ratio Rank: 24
SLM Martin Ratio Rank: 18

SOFI

SOFI Risk / Return Rank: 60
SOFI Sharpe Ratio Rank: 64
SOFI Sortino Ratio Rank: 62
SOFI Omega Ratio Rank: 59
SOFI Calmar Ratio Rank: 57
SOFI Martin Ratio Rank: 60

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.

SLM vs. SOFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SLM Corporation (SLM) 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.

	SLM	SOFI	Difference
Sharpe ratio Return per unit of total volatility	-0.63	0.61	-1.25
Sortino ratio Return per unit of downside risk	-0.64	1.20	-1.84
Omega ratio Gain probability vs. loss probability	0.91	1.15	-0.24
Calmar ratio Return relative to maximum drawdown	-0.54	0.64	-1.19
Martin ratio Return relative to average drawdown	-1.23	1.74	-2.97
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SLM vs. SOFI - Sharpe Ratio Comparison

The current SLM Sharpe Ratio is -0.63, which is lower than the SOFI Sharpe Ratio of 0.61. The chart below compares the historical Sharpe Ratios of SLM 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

	SLM	SOFI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.63	0.61	-1.25
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.15	-0.02	+0.18
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.39	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.16	0.11	+0.05

Correlation

The correlation between SLM and SOFI is 0.42, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

SLM vs. SOFI - Dividend Comparison

SLM's dividend yield for the trailing twelve months is around 2.43%, while SOFI has not paid dividends to shareholders.

	TTM	2025	2024	2023	2022	2021	2020	2019
SLM SLM Corporation	2.43%	1.92%	1.67%	2.30%	2.65%	1.02%	0.97%	1.35%
SOFI SoFi Technologies, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Drawdowns

SLM vs. SOFI - Drawdown Comparison

The maximum SLM drawdown since its inception was -94.50%, which is greater than SOFI's maximum drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for SLM and SOFI.

Drawdown Indicators

	SLM	SOFI	Difference
Max Drawdown Largest peak-to-trough decline	-94.50%	-83.32%	-11.18%
Max Drawdown (1Y) Largest decline over 1 year	-45.06%	-52.96%	+7.90%
Max Drawdown (5Y) Largest decline over 5 years	-45.06%	-82.00%	+36.94%
Max Drawdown (10Y) Largest decline over 10 years	-51.79%	—	—
Current Drawdown Current decline from peak	-53.85%	-50.70%	-3.15%
Average Drawdown Average peak-to-trough decline	-41.40%	-51.35%	+9.95%
Ulcer Index Depth and duration of drawdowns from previous peaks	19.91%	19.57%	+0.34%

Volatility

SLM vs. SOFI - Volatility Comparison

The current volatility for SLM Corporation (SLM) is 9.85%, while SoFi Technologies, Inc. (SOFI) has a volatility of 10.57%. This indicates that SLM 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

	SLM	SOFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	9.85%	10.57%	-0.72%
Volatility (6M) Calculated over the trailing 6-month period	33.10%	42.01%	-8.91%
Volatility (1Y) Calculated over the trailing 1-year period	40.68%	59.89%	-19.21%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	35.81%	67.12%	-31.31%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	36.92%	72.33%	-35.41%

Financials

SLM vs. SOFI - Profitability Comparison

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

SLM - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, SLM Corporation reported a gross profit of 570.40M and revenue of 656.82M. Therefore, the gross margin over that period was 86.8%.

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%.

SLM - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, SLM Corporation reported an operating income of 414.31M and revenue of 656.82M, resulting in an operating margin of 63.1%.

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%.

SLM - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, SLM Corporation reported a net income of 229.38M and revenue of 656.82M, resulting in a net margin of 34.9%.

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%.