SOFI vs. MSFT.NEO
SOFI (SoFi Technologies, Inc.) and MSFT.NEO (Microsoft Corp CDR) are both stocks. SOFI operates in Credit Services (Financial Services), while MSFT.NEO operates in Software - Infrastructure (Technology). Over the past 3 years, SOFI returned 25.82%/yr vs 2.25%/yr for MSFT.NEO. At a 0.40 correlation, their price movements are largely independent.
Performance
SOFI vs. MSFT.NEO - Performance Comparison
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Different Trading Currencies
SOFI is traded in USD, while MSFT.NEO is traded in CAD. To make them comparable, the MSFT.NEO values have been converted to USD using the latest available exchange rates.
Returns By Period
In the year-to-date period, SOFI achieves a -34.57% return, which is significantly lower than MSFT.NEO's -19.49% return.
SOFI
- 1D
- 3.32%
- 1M
- 9.74%
- YTD
- -34.57%
- 6M
- -33.66%
- 1Y
- 21.58%
- 3Y*
- 25.82%
- 5Y*
- -4.73%
- 10Y*
- —
MSFT.NEO
- 1D
- 2.32%
- 1M
- -6.65%
- YTD
- -19.49%
- 6M
- -17.72%
- 1Y
- -19.35%
- 3Y*
- 2.25%
- 5Y*
- —
- 10Y*
- —
SOFI vs. MSFT.NEO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
SOFI SoFi Technologies, Inc. | -34.57% | 70.00% | 54.77% | 115.84% | -70.84% | -1.74% |
MSFT.NEO Microsoft Corp CDR | -19.49% | 17.99% | 2.58% | 60.15% | -33.47% | 15.43% |
Correlation
The correlation between SOFI and MSFT.NEO is 0.39, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.39 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.34 |
Correlation (All Time) Calculated using the full available price history since Oct 5, 2021 | 0.40 |
Fundamentals
SOFI:
$23.61B
MSFT.NEO:
CA$209.09B
SOFI:
$0.44
MSFT.NEO:
$14.11
SOFI:
38.59
MSFT.NEO:
1.43
SOFI:
4.70
MSFT.NEO:
0.51
SOFI:
2.18
MSFT.NEO:
0.41
SOFI:
$4.73B
MSFT.NEO:
$293.81B
SOFI:
$3.39B
MSFT.NEO:
$202.04B
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Return for Risk
SOFI vs. MSFT.NEO — Risk / Return Rank
SOFI
MSFT.NEO
SOFI vs. MSFT.NEO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and Microsoft Corp CDR (MSFT.NEO). 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 | MSFT.NEO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.13 | ||
| Sortino ratioReturn per unit of downside risk | +1.79 | ||
| Omega ratioGain probability vs. loss probability | 1.11 | 0.89 | +0.22 |
| Calmar ratioReturn relative to maximum drawdown | 0.41 | -0.57 | +0.98 |
| Martin ratioReturn relative to average drawdown | 0.75 | -1.18 | +1.92 |
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Drawdowns
SOFI vs. MSFT.NEO - Drawdown Comparison
The maximum SOFI drawdown since its inception was -83.32%, which is greater than MSFT.NEO's maximum drawdown of -42.98%. Use the drawdown chart below to compare losses from any high point for SOFI and MSFT.NEO.
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Drawdown Indicators
| SOFI | MSFT.NEO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -83.32% | -42.98% | -40.34% |
Max Drawdown (1Y)Largest decline over 1 year | -52.96% | -34.13% | -18.83% |
Max Drawdown (3Y)Largest decline over 3 years | -52.96% | -34.13% | -18.83% |
Max Drawdown (5Y)Largest decline over 5 years | -81.54% | — | — |
Current DrawdownCurrent decline from peak | -46.82% | -27.17% | -19.65% |
Average DrawdownAverage peak-to-trough decline | -51.20% | -14.17% | -37.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 29.03% | 16.49% | +12.54% |
Volatility
SOFI vs. MSFT.NEO - Volatility Comparison
SoFi Technologies, Inc. (SOFI) has a higher volatility of 17.08% compared to Microsoft Corp CDR (MSFT.NEO) at 10.98%. This indicates that SOFI's price experiences larger fluctuations and is considered to be riskier than MSFT.NEO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SOFI | MSFT.NEO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 17.08% | 10.98% | +6.10% |
Volatility (6M)Calculated over the trailing 6-month period | 38.75% | 22.91% | +15.84% |
Volatility (1Y)Calculated over the trailing 1-year period | 56.45% | 26.13% | +30.32% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 66.69% | 27.83% | +38.86% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 71.90% | 27.83% | +44.07% |
Dividends
SOFI vs. MSFT.NEO - Dividend Comparison
SOFI has not paid dividends to shareholders, while MSFT.NEO's dividend yield for the trailing twelve months is around 0.89%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
MSFT.NEO Microsoft Corp CDR | 0.89% | 0.70% | 0.73% | 0.75% | 1.07% | 0.19% |
SOFI SoFi Technologies, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
SOFI vs. MSFT.NEO - Financials Comparison
This section allows you to compare key financial metrics between SoFi Technologies, Inc. and Microsoft Corp CDR. 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. MSFT.NEO - 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%.
MSFT.NEO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Microsoft Corp CDR reported a gross profit of 53.63B and revenue of 77.67B. Therefore, the gross margin over that period was 69.1%.
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%.
MSFT.NEO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Microsoft Corp CDR reported an operating income of 37.96B and revenue of 77.67B, resulting in an operating margin of 48.9%.
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%.
MSFT.NEO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Microsoft Corp CDR reported a net income of 27.75B and revenue of 77.67B, resulting in a net margin of 35.7%.
Frequently Asked Questions
SOFI and MSFT.NEO have a correlation of 0.39, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
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