SOFI vs. ML

Last updated Jun 13, 2026

SOFI (SoFi Technologies, Inc.) and ML (MoneyLion Inc.) are both stocks. SOFI operates in Credit Services (Financial Services), while ML operates in Software - Application (Technology). At a 0.37 correlation, their price movements are largely independent.

Performance

SOFI vs. ML - Performance Comparison

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

Returns By Period

SOFI

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

ML

• 1D: —
• 1M: —
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

SOFI vs. ML - 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%
ML MoneyLion Inc.	0.00%	-0.13%	37.20%	237.04%	-84.62%	-64.34%	13.23%

Correlation

The correlation between SOFI and ML is 0.37, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (3Y) Calculated over the trailing 3-year period	0.27
Correlation (5Y) Calculated over the trailing 5-year period	0.38
Correlation (All Time) Calculated using the full available price history since Nov 30, 2020	0.37

The correlation between SOFI and ML shifts across timeframes, from 0.27 (3 years) to 0.38 (5 years), reflecting how their relationship changes across market environments.

Fundamentals

Total Revenue (TTM) SOFI : $4.73B ML : $545.91M
Gross Profit (TTM) SOFI : $3.39B ML : $409.26M
EBITDA (TTM) SOFI : $1.40B ML : $56.96M

Return for Risk

SOFI vs. ML — 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

ML

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

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. ML - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and MoneyLion Inc. (ML). 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	ML	Difference
Sharpe ratio: Return per unit of total volatility	0.20	—	—
Sortino ratio: Return per unit of downside risk	0.66	—	—
Omega ratio: Gain probability vs. loss probability	1.08	—	—
Calmar ratio: Return relative to maximum drawdown	0.21	—	—
Martin ratio: Return relative to average drawdown	0.39	—	—

Drawdowns

Drawdown Indicators

	SOFI	ML	Difference
Max Drawdown Largest peak-to-trough decline	-83.32%	—	—
Max Drawdown (1Y) Largest decline over 1 year	-52.96%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-52.96%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-81.54%	—	—
Current Drawdown Current decline from peak	-48.53%	—	—
Average Drawdown Average peak-to-trough decline	-51.20%	—	—
Ulcer Index Depth and duration of drawdowns from previous peaks	28.88%	—	—

Volatility

Volatility by Period

	SOFI	ML	Difference
Volatility (1M) Calculated over the trailing 1-month period	17.35%	—	—
Volatility (6M) Calculated over the trailing 6-month period	38.57%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	56.54%	—	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	66.69%	—	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	71.92%	—	—

Dividends

SOFI vs. ML - Dividend Comparison

Neither SOFI nor ML has paid dividends to shareholders.

Tickers have no history of dividend payments

Financials

Frequently Asked Questions

Can I hold both SOFI and ML in my portfolio?

SOFI and ML have a correlation of 0.37, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.