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SOFI vs. BAC
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
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SOFI vs. BAC

Last updated May 15, 2025

Compare and contrast key facts about SoFi Technologies, Inc. (SOFI) and Bank of America Corporation (BAC).

Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: SOFI or BAC.

Correlation

The correlation between SOFI and BAC is 0.56, 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.

Performance

SOFI vs. BAC - Performance Comparison

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

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Key characteristics

Sharpe Ratio

SOFI:

1.46

BAC:

0.66

Sortino Ratio

SOFI:

2.24

BAC:

1.06

Omega Ratio

SOFI:

1.28

BAC:

1.15

Calmar Ratio

SOFI:

1.35

BAC:

0.70

Martin Ratio

SOFI:

5.94

BAC:

2.10

Ulcer Index

SOFI:

17.19%

BAC:

9.16%

Daily Std Dev

SOFI:

60.72%

BAC:

28.96%

Max Drawdown

SOFI:

-83.32%

BAC:

-93.45%

Current Drawdown

SOFI:

-45.58%

BAC:

-5.69%

Fundamentals

Market Cap

SOFI:

$15.80B

BAC:

$333.51B

EPS

SOFI:

$0.43

BAC:

$3.35

PE Ratio

SOFI:

33.23

BAC:

13.22

PEG Ratio

SOFI:

2.47

BAC:

1.67

PS Ratio

SOFI:

5.70

BAC:

3.42

PB Ratio

SOFI:

2.37

BAC:

1.21

Total Revenue (TTM)

SOFI:

$2.77B

BAC:

$123.06B

Gross Profit (TTM)

SOFI:

$2.70B

BAC:

$78.30B

EBITDA (TTM)

SOFI:

$339.41M

BAC:

$65.96B

Returns By Period

In the year-to-date period, SOFI achieves a -8.90% return, which is significantly lower than BAC's 2.44% return.

SOFI

YTD

-8.90%

1M

29.67%

6M

3.93%

1Y

87.82%

5Y*

N/A

10Y*

N/A

BAC

YTD

2.44%

1M

22.01%

6M

-1.30%

1Y

19.11%

5Y*

18.85%

10Y*

12.99%

*Annualized

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Risk-Adjusted Performance

SOFI vs. BAC — Risk-Adjusted Performance Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
SOFI
The Risk-Adjusted Performance Rank of SOFI is 8989
Overall Rank
The Sharpe Ratio Rank of SOFI is 9191
Sharpe Ratio Rank
The Sortino Ratio Rank of SOFI is 8989
Sortino Ratio Rank
The Omega Ratio Rank of SOFI is 8686
Omega Ratio Rank
The Calmar Ratio Rank of SOFI is 8888
Calmar Ratio Rank
The Martin Ratio Rank of SOFI is 8989
Martin Ratio Rank
BAC
The Risk-Adjusted Performance Rank of BAC is 7272
Overall Rank
The Sharpe Ratio Rank of BAC is 7575
Sharpe Ratio Rank
The Sortino Ratio Rank of BAC is 6767
Sortino Ratio Rank
The Omega Ratio Rank of BAC is 6969
Omega Ratio Rank
The Calmar Ratio Rank of BAC is 7878
Calmar Ratio Rank
The Martin Ratio Rank of BAC is 7373
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

SOFI vs. BAC - Risk-Adjusted Performance Comparison

This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and Bank of America Corporation (BAC). 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.

The current SOFI Sharpe Ratio is 1.46, which is higher than the BAC Sharpe Ratio of 0.66. The chart below compares the historical Sharpe Ratios of SOFI and BAC, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

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Dividends

SOFI vs. BAC - Dividend Comparison

SOFI has not paid dividends to shareholders, while BAC's dividend yield for the trailing twelve months is around 2.28%.

TTM20242023202220212020201920182017201620152014
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%
BAC
Bank of America Corporation		2.28%2.28%2.73%2.60%1.75%2.38%1.87%2.19%1.32%1.13%1.19%0.67%

Drawdowns

SOFI vs. BAC - Drawdown Comparison

The maximum SOFI drawdown since its inception was -83.32%, smaller than the maximum BAC drawdown of -93.45%. Use the drawdown chart below to compare losses from any high point for SOFI and BAC. For additional features, visit the drawdowns tool.

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Volatility

SOFI vs. BAC - Volatility Comparison

SoFi Technologies, Inc. (SOFI) has a higher volatility of 13.76% compared to Bank of America Corporation (BAC) at 6.99%. This indicates that SOFI's price experiences larger fluctuations and is considered to be riskier than BAC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Financials

SOFI vs. BAC - Financials Comparison

This section allows you to compare key financial metrics between SoFi Technologies, Inc. and Bank of America Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.

Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities

0.0010.00B20.00B30.00B40.00B50.00B20212022202320242025
763.81M
46.99B
(SOFI) Total Revenue
(BAC) Total Revenue
Values in USD except per share items

SOFI vs. BAC - Profitability Comparison

The chart below illustrates the profitability comparison between SoFi Technologies, Inc. and Bank of America Corporation over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.
Gross Margin
Operating Margin
Net Margin
Quarterly
Annual
40.0%50.0%60.0%70.0%80.0%90.0%100.0%20212022202320242025
90.3%
58.2%
(SOFI) Gross Margin
(BAC) Gross Margin
SOFI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, SoFi Technologies, Inc. reported a gross profit of 689.84M and revenue of 763.81M. Therefore, the gross margin over that period was 90.3%.

BAC - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, Bank of America Corporation reported a gross profit of 27.37B and revenue of 46.99B. Therefore, the gross margin over that period was 58.2%.

SOFI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, SoFi Technologies, Inc. reported an operating income of 213.03M and revenue of 763.81M, resulting in an operating margin of 27.9%.

BAC - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Bank of America Corporation reported an operating income of 9.60B and revenue of 46.99B, resulting in an operating margin of 20.4%.

SOFI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, SoFi Technologies, Inc. reported a net income of 71.12M and revenue of 763.81M, resulting in a net margin of 9.3%.

BAC - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Bank of America Corporation reported a net income of 7.40B and revenue of 46.99B, resulting in a net margin of 15.7%.