SOFI vs. ACHR

Last updated Jun 9, 2026

SOFI (SoFi Technologies, Inc.) and ACHR (Archer Aviation Inc.) are both stocks. SOFI operates in Credit Services (Financial Services), while ACHR operates in Aerospace & Defense (Industrials). Over the past 5 years, SOFI returned -6.19%/yr vs -10.82%/yr for ACHR. At a 0.46 correlation, their price movements are largely independent.

Performance

SOFI vs. ACHR - Performance Comparison

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

Returns By Period

In the year-to-date period, SOFI achieves a -36.97% return, which is significantly lower than ACHR's -23.80% return.

SOFI

• 1D: 2.93%
• 1M: 4.76%
• YTD: -36.97%
• 6M: -40.24%
• 1Y: 15.87%
• 3Y*: 26.35%
• 5Y*: -6.19%
• 10Y*: —

ACHR

• 1D: 3.43%
• 1M: -11.57%
• YTD: -23.80%
• 6M: -33.45%
• 1Y: -43.77%
• 3Y*: 20.81%
• 5Y*: -10.82%
• 10Y*: —

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

SOFI vs. ACHR - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
SOFI SoFi Technologies, Inc.	-36.97%	70.00%	54.77%	115.84%	-70.84%	27.09%	10.87%
ACHR Archer Aviation Inc.	-23.80%	-22.87%	58.79%	228.34%	-69.04%	-39.96%	0.90%

Correlation

The correlation between SOFI and ACHR is 0.51, 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	0.51
Correlation (3Y) Calculated over the trailing 3-year period	0.54
Correlation (5Y) Calculated over the trailing 5-year period	0.47
Correlation (All Time) Calculated using the full available price history since Dec 21, 2020	0.46

The correlation between SOFI and ACHR has been stable across timeframes, ranging from 0.46 to 0.54 - a consistent structural relationship.

Fundamentals

Market Cap SOFI : $22.74B ACHR : $4.39B
EPS SOFI : $0.44 ACHR : -$1.36
PS Ratio SOFI : 4.53 ACHR : 1.65K
PB Ratio SOFI : 2.10 ACHR : 2.11
Total Revenue (TTM) SOFI : $4.73B ACHR : $1.90M
Gross Profit (TTM) SOFI : $3.39B ACHR : $300.00K
EBITDA (TTM) SOFI : $1.40B ACHR : -$712.00M

Return for Risk

SOFI vs. ACHR — Risk / Return Rank

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

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

ACHR

ACHR Risk / Return Rank: 18
ACHR Sharpe Ratio Rank: 15
ACHR Sortino Ratio Rank: 18
ACHR Omega Ratio Rank: 19
ACHR Calmar Ratio Rank: 17
ACHR Martin Ratio Rank: 19

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.

SOFI vs. ACHR - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and Archer Aviation Inc. (ACHR). 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.

	SOFI	ACHR	Difference
Sharpe ratio: Return per unit of total volatility	0.28	-0.62	+0.90
Sortino ratio: Return per unit of downside risk	0.76	-0.65	+1.41
Omega ratio: Gain probability vs. loss probability	1.09	0.93	+0.16
Calmar ratio: Return relative to maximum drawdown	0.30	-0.69	+0.99
Martin ratio: Return relative to average drawdown	0.56	-1.08	+1.65
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SOFI vs. ACHR - Sharpe Ratio Comparison

The current SOFI Sharpe Ratio is 0.28, which is higher than the ACHR Sharpe Ratio of -0.62. The chart below compares the historical Sharpe Ratios of SOFI and ACHR, 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

	SOFI	ACHR	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.28	-0.62	+0.90
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.09	-0.13	+0.04
Sharpe Ratio (All Time) Calculated using the full available price history	0.12	-0.12	+0.24

Drawdowns

SOFI vs. ACHR - Drawdown Comparison

The maximum SOFI drawdown since its inception was -83.32%, smaller than the maximum ACHR drawdown of -90.49%. Use the drawdown chart below to compare losses from any high point for SOFI and ACHR.

Drawdown Indicators

	SOFI	ACHR	Difference
Max Drawdown Largest peak-to-trough decline	-83.32%	-90.49%	+7.17%
Max Drawdown (1Y) Largest decline over 1 year	-52.96%	-63.78%	+10.82%
Max Drawdown (3Y) Largest decline over 3 years	-52.96%	-63.78%	+10.82%
Max Drawdown (5Y) Largest decline over 5 years	-81.54%	-84.00%	+2.46%
Current Drawdown Current decline from peak	-48.77%	-66.57%	+17.80%
Average Drawdown Average peak-to-trough decline	-51.23%	-62.50%	+11.27%
Ulcer Index Depth and duration of drawdowns from previous peaks	28.21%	40.38%	-12.17%

Volatility

SOFI vs. ACHR - Volatility Comparison

The current volatility for SoFi Technologies, Inc. (SOFI) is 17.24%, while Archer Aviation Inc. (ACHR) has a volatility of 19.42%. This indicates that SOFI experiences smaller price fluctuations and is considered to be less risky than ACHR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SOFI	ACHR	Difference
Volatility (1M) Calculated over the trailing 1-month period	17.24%	19.42%	-2.18%
Volatility (6M) Calculated over the trailing 6-month period	38.62%	43.60%	-4.98%
Volatility (1Y) Calculated over the trailing 1-year period	56.53%	71.28%	-14.75%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	66.71%	84.22%	-17.51%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	71.97%	82.17%	-10.20%

Dividends

SOFI vs. ACHR - Dividend Comparison

Neither SOFI nor ACHR has paid dividends to shareholders.

Tickers have no history of dividend payments

Financials

Frequently Asked Questions

Can I hold both SOFI and ACHR in my portfolio?

SOFI and ACHR have a correlation of 0.51, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, SOFI or ACHR?

ACHR has higher volatility (19.42%) compared to SOFI (17.24%). In terms of maximum drawdown, SOFI dropped -83.32% vs ACHR's -90.49%.

Which has better risk-adjusted returns?

SOFI currently has the higher Sharpe Ratio (0.28 vs -0.62), 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.