SOFI vs. AFRM
SOFI (SoFi Technologies, Inc.) and AFRM (Affirm Holdings, Inc.) are both stocks. SOFI operates in Credit Services (Financial Services), while AFRM operates in Information Technology Services (Technology). Over the past 5 years, SOFI returned -5.84%/yr vs -0.54%/yr for AFRM. A 0.66 correlation means they provide meaningful diversification when combined.
Performance
SOFI vs. AFRM - Performance Comparison
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Returns By Period
In the year-to-date period, SOFI achieves a -36.67% return, which is significantly lower than AFRM's -11.10% return.
SOFI
- 1D
- -0.54%
- 1M
- 8.30%
- YTD
- -36.67%
- 6M
- -39.22%
- 1Y
- 11.28%
- 3Y*
- 20.23%
- 5Y*
- -5.84%
- 10Y*
- —
AFRM
- 1D
- -0.48%
- 1M
- 4.16%
- YTD
- -11.10%
- 6M
- -1.61%
- 1Y
- 8.39%
- 3Y*
- 52.28%
- 5Y*
- -0.54%
- 10Y*
- —
SOFI vs. AFRM - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
SOFI SoFi Technologies, Inc. | -36.67% | 70.00% | 54.77% | 115.84% | -70.84% | -14.31% |
AFRM Affirm Holdings, Inc. | -11.10% | 22.22% | 23.93% | 408.17% | -90.38% | 10.63% |
Correlation
The correlation between SOFI and AFRM is 0.63, 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 | 0.63 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.68 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.68 |
Correlation (All Time) Calculated using the full available price history since Jan 13, 2021 | 0.66 |
The correlation between SOFI and AFRM has been stable across timeframes, ranging from 0.63 to 0.68 - a consistent structural relationship.
Fundamentals
SOFI:
$22.85B
AFRM:
$23.03B
SOFI:
$0.44
AFRM:
$1.10
SOFI:
37.35
AFRM:
60.05
SOFI:
4.55
AFRM:
7.18
SOFI:
2.11
AFRM:
6.09
SOFI:
$4.73B
AFRM:
$3.20B
SOFI:
$3.39B
AFRM:
$2.00B
SOFI:
$1.40B
AFRM:
$908.84M
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Return for Risk
SOFI vs. AFRM — Risk / Return Rank
SOFI
AFRM
SOFI vs. AFRM - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and Affirm Holdings, Inc. (AFRM). 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.
| SOFI | AFRM | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.06 | ||
| Sortino ratioReturn per unit of downside risk | +0.02 | ||
| Omega ratioGain probability vs. loss probability | 1.08 | 1.07 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 0.21 | 0.16 | +0.06 |
| Martin ratioReturn relative to average drawdown | 0.39 | 0.31 | +0.08 |
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Drawdowns
SOFI vs. AFRM - Drawdown Comparison
The maximum SOFI drawdown since its inception was -83.32%, smaller than the maximum AFRM drawdown of -94.71%. Use the drawdown chart below to compare losses from any high point for SOFI and AFRM.
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Drawdown Indicators
| SOFI | AFRM | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -83.32% | -94.71% | +11.39% |
Max Drawdown (1Y)Largest decline over 1 year | -52.96% | -53.86% | +0.90% |
Max Drawdown (3Y)Largest decline over 3 years | -52.96% | -55.85% | +2.89% |
Max Drawdown (5Y)Largest decline over 5 years | -81.54% | -94.71% | +13.17% |
Current DrawdownCurrent decline from peak | -48.53% | -60.73% | +12.20% |
Average DrawdownAverage peak-to-trough decline | -51.20% | -68.65% | +17.45% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 28.88% | 27.04% | +1.84% |
Volatility
SOFI vs. AFRM - Volatility Comparison
SoFi Technologies, Inc. (SOFI) and Affirm Holdings, Inc. (AFRM) have volatilities of 17.35% and 17.80%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SOFI | AFRM | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 17.35% | 17.80% | -0.45% |
Volatility (6M)Calculated over the trailing 6-month period | 38.57% | 43.83% | -5.26% |
Volatility (1Y)Calculated over the trailing 1-year period | 56.54% | 60.85% | -4.31% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 66.69% | 96.23% | -29.54% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 71.92% | 95.46% | -23.54% |
Dividends
SOFI vs. AFRM - Dividend Comparison
Neither SOFI nor AFRM has paid dividends to shareholders.
Financials
SOFI vs. AFRM - Financials Comparison
This section allows you to compare key financial metrics between SoFi Technologies, Inc. and Affirm Holdings, 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
SOFI vs. AFRM - Profitability Comparison
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%.
AFRM - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Affirm Holdings, Inc. reported a gross profit of 0.00 and revenue of 268.03M. Therefore, the gross margin over that period was 0.0%.
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%.
AFRM - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Affirm Holdings, Inc. reported an operating income of 88.43M and revenue of 268.03M, resulting in an operating margin of 33.0%.
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%.
AFRM - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Affirm Holdings, Inc. reported a net income of 102.90M and revenue of 268.03M, resulting in a net margin of 38.4%.
Frequently Asked Questions
SOFI and AFRM have a correlation of 0.63, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
AFRM has higher volatility (17.80%) compared to SOFI (17.35%). In terms of maximum drawdown, SOFI dropped -83.32% vs AFRM's -94.71%.
SOFI currently has the higher Sharpe Ratio (0.20 vs 0.14), 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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