SOFI vs. ALMU

Last updated Jun 13, 2026

SOFI (SoFi Technologies, Inc.) and ALMU (Aeluma, Inc) are both stocks. SOFI operates in Credit Services (Financial Services), while ALMU operates in Semiconductors (Technology). Over the past 3 years, SOFI returned 20.23%/yr vs 113.21%/yr for ALMU. At a 0.15 correlation, their price movements are largely independent.

Performance

SOFI vs. ALMU - Performance Comparison

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

Returns By Period

In the year-to-date period, SOFI achieves a -36.67% return, which is significantly lower than ALMU's 46.77% return.

SOFI

• 1D: -0.54%
• 1M: 6.21%
• YTD: -36.67%
• 6M: -39.22%
• 1Y: 17.67%
• 3Y*: 20.23%
• 5Y*: -5.84%
• 10Y*: —

ALMU

• 1D: 1.45%
• 1M: 1.37%
• YTD: 46.77%
• 6M: 38.84%
• 1Y: 88.27%
• 3Y*: 113.21%
• 5Y*: —
• 10Y*: —

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

SOFI vs. ALMU - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022
SOFI SoFi Technologies, Inc.	-36.67%	70.00%	54.77%	115.84%	-21.20%
ALMU Aeluma, Inc	46.77%	124.44%	163.79%	38.10%	5.00%

Correlation

The correlation between SOFI and ALMU is 0.29, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.29
Correlation (3Y) Calculated over the trailing 3-year period	0.19
Correlation (All Time) Calculated using the full available price history since Nov 16, 2022	0.15

The correlation between SOFI and ALMU shifts across timeframes, from 0.15 (all time) to 0.29 (1 year), reflecting how their relationship changes across market environments.

Fundamentals

Market Cap SOFI : $22.85B ALMU : $437.33M
EPS SOFI : $0.44 ALMU : -$0.36
PS Ratio SOFI : 4.55 ALMU : 81.48
PB Ratio SOFI : 2.11 ALMU : 10.91
Total Revenue (TTM) SOFI : $4.73B ALMU : $5.20M
Gross Profit (TTM) SOFI : $3.39B ALMU : $2.17M
EBITDA (TTM) SOFI : $1.40B ALMU : -$6.01M

Return for Risk

SOFI vs. ALMU — Risk / Return Rank

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

SOFI

SOFI Risk / Return Rank: 48
SOFI Sharpe Ratio Rank: 50
SOFI Sortino Ratio Rank: 48
SOFI Omega Ratio Rank: 47
SOFI Calmar Ratio Rank: 48
SOFI Martin Ratio Rank: 47

ALMU

ALMU Risk / Return Rank: 62
ALMU Sharpe Ratio Rank: 56
ALMU Sortino Ratio Rank: 67
ALMU Omega Ratio Rank: 65
ALMU Calmar Ratio Rank: 61
ALMU Martin Ratio Rank: 59

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. ALMU - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and Aeluma, Inc (ALMU). 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	ALMU	Difference
Sharpe ratio: Return per unit of total volatility	0.20	0.36	-0.16
Sortino ratio: Return per unit of downside risk	0.66	1.50	-0.84
Omega ratio: Gain probability vs. loss probability	1.08	1.18	-0.10
Calmar ratio: Return relative to maximum drawdown	0.21	0.85	-0.64
Martin ratio: Return relative to average drawdown	0.39	1.62	-1.23

SOFI vs. ALMU - Sharpe Ratio Comparison

The current SOFI Sharpe Ratio is 0.20, which is lower than the ALMU Sharpe Ratio of 0.36. The chart below compares the historical Sharpe Ratios of SOFI and ALMU, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

SOFI vs. ALMU - Drawdown Comparison

The maximum SOFI drawdown since its inception was -83.32%, which is greater than ALMU's maximum drawdown of -55.37%. Use the drawdown chart below to compare losses from any high point for SOFI and ALMU.

Drawdown Indicators

	SOFI	ALMU	Difference
Max Drawdown Largest peak-to-trough decline	-83.32%	-55.37%	-27.95%
Max Drawdown (1Y) Largest decline over 1 year	-52.96%	-55.37%	+2.41%
Max Drawdown (3Y) Largest decline over 3 years	-52.96%	-55.37%	+2.41%
Max Drawdown (5Y) Largest decline over 5 years	-81.54%	—	—
Current Drawdown Current decline from peak	-48.53%	-19.97%	-28.56%
Average Drawdown Average peak-to-trough decline	-51.20%	-23.50%	-27.70%
Ulcer Index Depth and duration of drawdowns from previous peaks	28.88%	29.25%	-0.37%

Volatility

SOFI vs. ALMU - Volatility Comparison

The current volatility for SoFi Technologies, Inc. (SOFI) is 17.35%, while Aeluma, Inc (ALMU) has a volatility of 44.76%. This indicates that SOFI experiences smaller price fluctuations and is considered to be less risky than ALMU based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SOFI	ALMU	Difference
Volatility (1M) Calculated over the trailing 1-month period	17.35%	44.76%	-27.41%
Volatility (6M) Calculated over the trailing 6-month period	38.57%	95.20%	-56.63%
Volatility (1Y) Calculated over the trailing 1-year period	56.54%	130.67%	-74.13%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	66.69%	123.75%	-57.06%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	71.92%	123.75%	-51.83%

Dividends

SOFI vs. ALMU - Dividend Comparison

Neither SOFI nor ALMU has paid dividends to shareholders.

Tickers have no history of dividend payments

Financials

Frequently Asked Questions

Can I hold both SOFI and ALMU in my portfolio?

SOFI and ALMU have a correlation of 0.29, 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 ALMU?

ALMU has higher volatility (44.76%) compared to SOFI (17.35%). In terms of maximum drawdown, SOFI dropped -83.32% vs ALMU's -55.37%.

Which has better risk-adjusted returns?

ALMU currently has the higher Sharpe Ratio (0.36 vs 0.20), 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.