SOFI vs. CAT

Last updated Jun 13, 2026

SOFI (SoFi Technologies, Inc.) and CAT (Caterpillar Inc.) are both stocks. SOFI operates in Credit Services (Financial Services), while CAT operates in Farm & Heavy Construction Machinery (Industrials). Over the past 5 years, SOFI returned -5.84%/yr vs 35.17%/yr for CAT. At a 0.33 correlation, their price movements are largely independent.

Performance

SOFI vs. CAT - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in SoFi Technologies, Inc. (SOFI) and Caterpillar Inc. (CAT). 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 CAT's 59.62% return.

SOFI

• 1D: -0.54%
• 1M: 8.30%
• YTD: -36.67%
• 6M: -39.22%
• 1Y: 11.28%
• 3Y*: 20.23%
• 5Y*: -5.84%
• 10Y*: —

CAT

• 1D: 1.44%
• 1M: 0.92%
• YTD: 59.62%
• 6M: 52.94%
• 1Y: 154.99%
• 3Y*: 57.16%
• 5Y*: 35.17%
• 10Y*: 31.33%

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

SOFI vs. CAT - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
SOFI SoFi Technologies, Inc.	-36.67%	70.00%	54.77%	115.84%	-70.84%	27.09%	13.09%
CAT Caterpillar Inc.	59.62%	60.30%	24.66%	25.95%	18.60%	15.95%	3.96%

Correlation

The correlation between SOFI and CAT 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	0.41
Correlation (5Y) Calculated over the trailing 5-year period	0.36
Correlation (All Time) Calculated using the full available price history since Nov 30, 2020	0.33

The correlation between SOFI and CAT shifts across timeframes, from 0.29 (1 year) to 0.41 (3 years), reflecting how their relationship changes across market environments.

Fundamentals

Market Cap SOFI : $22.85B CAT : $424.14B
EPS SOFI : $0.44 CAT : $20.07
PE Ratio SOFI : 37.35 CAT : 45.37
PS Ratio SOFI : 4.55 CAT : 6.04
PB Ratio SOFI : 2.11 CAT : 22.73
Total Revenue (TTM) SOFI : $4.73B CAT : $70.76B
Gross Profit (TTM) SOFI : $3.39B CAT : $23.01B
EBITDA (TTM) SOFI : $1.40B CAT : $15.31B

Return for Risk

SOFI vs. CAT — 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

CAT

CAT Risk / Return Rank: 98
CAT Sharpe Ratio Rank: 98
CAT Sortino Ratio Rank: 98
CAT Omega Ratio Rank: 97
CAT Calmar Ratio Rank: 98
CAT Martin Ratio Rank: 99

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. CAT - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and Caterpillar Inc. (CAT). 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	CAT	Difference
Sharpe ratio: Return per unit of total volatility	0.20	4.43	-4.23
Sortino ratio: Return per unit of downside risk	0.66	5.03	-4.37
Omega ratio: Gain probability vs. loss probability	1.08	1.65	-0.57
Calmar ratio: Return relative to maximum drawdown	0.21	11.24	-11.02
Martin ratio: Return relative to average drawdown	0.39	36.80	-36.41

SOFI vs. CAT - Sharpe Ratio Comparison

The current SOFI Sharpe Ratio is 0.20, which is lower than the CAT Sharpe Ratio of 4.43. The chart below compares the historical Sharpe Ratios of SOFI and CAT, 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. CAT - Drawdown Comparison

The maximum SOFI drawdown since its inception was -83.32%, which is greater than CAT's maximum drawdown of -73.43%. Use the drawdown chart below to compare losses from any high point for SOFI and CAT.

Drawdown Indicators

	SOFI	CAT	Difference
Max Drawdown Largest peak-to-trough decline	-83.32%	-73.43%	-9.89%
Max Drawdown (1Y) Largest decline over 1 year	-52.96%	-13.88%	-39.08%
Max Drawdown (3Y) Largest decline over 3 years	-52.96%	-34.05%	-18.91%
Max Drawdown (5Y) Largest decline over 5 years	-81.54%	-34.05%	-47.49%
Max Drawdown (10Y) Largest decline over 10 years	—	-43.36%	—
Current Drawdown Current decline from peak	-48.53%	-3.18%	-45.35%
Average Drawdown Average peak-to-trough decline	-51.20%	-19.73%	-31.47%
Ulcer Index Depth and duration of drawdowns from previous peaks	28.88%	4.23%	+24.65%

Volatility

SOFI vs. CAT - Volatility Comparison

SoFi Technologies, Inc. (SOFI) has a higher volatility of 17.35% compared to Caterpillar Inc. (CAT) at 13.16%. This indicates that SOFI's price experiences larger fluctuations and is considered to be riskier than CAT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SOFI	CAT	Difference
Volatility (1M) Calculated over the trailing 1-month period	17.35%	13.16%	+4.19%
Volatility (6M) Calculated over the trailing 6-month period	38.57%	28.37%	+10.20%
Volatility (1Y) Calculated over the trailing 1-year period	56.54%	35.19%	+21.35%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	66.69%	30.79%	+35.90%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	71.92%	30.98%	+40.94%

Dividends

SOFI vs. CAT - Dividend Comparison

SOFI has not paid dividends to shareholders, while CAT's dividend yield for the trailing twelve months is around 0.66%.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CAT Caterpillar Inc.	0.66%	1.02%	1.49%	1.69%	1.93%	2.07%	2.26%	2.56%	2.58%	1.97%	3.32%	4.33%
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%

Financials

SOFI vs. CAT - Profitability Comparison

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

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%.

CAT - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Caterpillar Inc. reported a gross profit of 6.11B and revenue of 17.42B. Therefore, the gross margin over that period was 35.1%.

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%.

CAT - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Caterpillar Inc. reported an operating income of 3.09B and revenue of 17.42B, resulting in an operating margin of 17.7%.

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%.

CAT - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Caterpillar Inc. reported a net income of 2.55B and revenue of 17.42B, resulting in a net margin of 14.6%.

Frequently Asked Questions

Can I hold both SOFI and CAT in my portfolio?

SOFI and CAT 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 CAT?

SOFI has higher volatility (17.35%) compared to CAT (13.16%). In terms of maximum drawdown, SOFI dropped -83.32% vs CAT's -73.43%.

Which has better risk-adjusted returns?

CAT currently has the higher Sharpe Ratio (4.43 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.