SOFI vs. OPFI

Last updated Apr 2, 2026

Compare and contrast key facts about SoFi Technologies, Inc. (SOFI) and OppFi Inc. (OPFI).

Performance

SOFI vs. OPFI - Performance Comparison

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

SOFI vs. OPFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
SOFI SoFi Technologies, Inc.	-40.30%	70.00%	54.77%	115.84%	-70.84%	27.09%	18.70%
OPFI OppFi Inc.	-27.53%	40.87%	56.02%	149.76%	-54.85%	-55.40%	3.04%

Fundamentals

Market Cap SOFI : $21.04B OPFI : $200.92M
EPS SOFI : $0.38 OPFI : $5.50
PE Ratio SOFI : 41.36 OPFI : 1.38
PS Ratio SOFI : 4.56 OPFI : 0.53
PB Ratio SOFI : 2.01 OPFI : 0.65
Total Revenue (TTM) SOFI : $4.36B OPFI : $381.18M
Gross Profit (TTM) SOFI : $2.56B OPFI : $316.36M
EBITDA (TTM) SOFI : $818.24M OPFI : $200.66M

Returns By Period

In the year-to-date period, SOFI achieves a -40.30% return, which is significantly lower than OPFI's -27.53% return.

SOFI

• 1D: -1.57%
• 1M: -15.01%
• YTD: -40.30%
• 6M: -39.32%
• 1Y: 31.23%
• 3Y*: 37.06%
• 5Y*: -1.98%
• 10Y*: —

OPFI

• 1D: -1.69%
• 1M: -16.34%
• YTD: -27.53%
• 6M: -32.32%
• 1Y: -16.19%
• 3Y*: 58.45%
• 5Y*: -4.32%
• 10Y*: —

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

Return for Risk

SOFI vs. OPFI — Risk / Return Rank

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

SOFI

SOFI Risk / Return Rank: 57
SOFI Sharpe Ratio Rank: 59
SOFI Sortino Ratio Rank: 57
SOFI Omega Ratio Rank: 54
SOFI Calmar Ratio Rank: 56
SOFI Martin Ratio Rank: 58

OPFI

OPFI Risk / Return Rank: 28
OPFI Sharpe Ratio Rank: 27
OPFI Sortino Ratio Rank: 26
OPFI Omega Ratio Rank: 27
OPFI Calmar Ratio Rank: 30
OPFI Martin Ratio Rank: 31

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. OPFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and OppFi Inc. (OPFI). 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.

	SOFI	OPFI	Difference
Sharpe ratio Return per unit of total volatility	0.52	-0.31	+0.83
Sortino ratio Return per unit of downside risk	1.10	-0.11	+1.21
Omega ratio Gain probability vs. loss probability	1.13	0.99	+0.15
Calmar ratio Return relative to maximum drawdown	0.65	-0.33	+0.98
Martin ratio Return relative to average drawdown	1.73	-0.58	+2.31
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SOFI vs. OPFI - Sharpe Ratio Comparison

The current SOFI Sharpe Ratio is 0.52, which is higher than the OPFI Sharpe Ratio of -0.31. The chart below compares the historical Sharpe Ratios of SOFI and OPFI, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	SOFI	OPFI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.52	-0.31	+0.83
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.03	-0.06	+0.04
Sharpe Ratio (All Time) Calculated using the full available price history	0.11	-0.05	+0.16

Correlation

The correlation between SOFI and OPFI is 0.32, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

SOFI vs. OPFI - Dividend Comparison

SOFI has not paid dividends to shareholders, while OPFI's dividend yield for the trailing twelve months is around 3.30%.

	TTM	2025	2024
SOFI SoFi Technologies, Inc.	0.00%	0.00%	0.00%
OPFI OppFi Inc.	3.30%	2.39%	1.57%

Drawdowns

SOFI vs. OPFI - Drawdown Comparison

The maximum SOFI drawdown since its inception was -83.32%, roughly equal to the maximum OPFI drawdown of -84.60%. Use the drawdown chart below to compare losses from any high point for SOFI and OPFI.

Drawdown Indicators

	SOFI	OPFI	Difference
Max Drawdown Largest peak-to-trough decline	-83.32%	-84.60%	+1.28%
Max Drawdown (1Y) Largest decline over 1 year	-52.96%	-48.32%	-4.64%
Max Drawdown (5Y) Largest decline over 5 years	-82.00%	-84.46%	+2.46%
Current Drawdown Current decline from peak	-51.47%	-53.84%	+2.37%
Average Drawdown Average peak-to-trough decline	-51.35%	-51.52%	+0.17%
Ulcer Index Depth and duration of drawdowns from previous peaks	19.84%	27.56%	-7.72%

Volatility

SOFI vs. OPFI - Volatility Comparison

SoFi Technologies, Inc. (SOFI) and OppFi Inc. (OPFI) have volatilities of 10.41% and 10.23%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SOFI	OPFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	10.41%	10.23%	+0.18%
Volatility (6M) Calculated over the trailing 6-month period	41.85%	28.60%	+13.25%
Volatility (1Y) Calculated over the trailing 1-year period	59.88%	52.44%	+7.44%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	67.13%	67.03%	+0.10%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	72.31%	64.93%	+7.38%

Financials