SOFI vs. QTWO
SOFI (SoFi Technologies, Inc.) and QTWO (Q2 Holdings, Inc.) are both stocks. SOFI operates in Credit Services (Financial Services), while QTWO operates in Software - Application (Technology). Over the past 5 years, SOFI returned -6.19%/yr vs -13.94%/yr for QTWO. A 0.51 correlation means they provide meaningful diversification when combined.
Performance
SOFI vs. QTWO - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with SOFI having a -36.97% return and QTWO slightly lower at -37.89%.
SOFI
- 1D
- 2.93%
- 1M
- 4.76%
- YTD
- -36.97%
- 6M
- -40.24%
- 1Y
- 15.87%
- 3Y*
- 26.35%
- 5Y*
- -6.19%
- 10Y*
- —
QTWO
- 1D
- -1.95%
- 1M
- -10.59%
- YTD
- -37.89%
- 6M
- -39.02%
- 1Y
- -50.89%
- 3Y*
- 17.10%
- 5Y*
- -13.94%
- 10Y*
- 5.15%
SOFI vs. QTWO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
SOFI SoFi Technologies, Inc. | -36.97% | 70.00% | 54.77% | 115.84% | -70.84% | 27.09% | 18.70% |
QTWO Q2 Holdings, Inc. | -37.89% | -28.31% | 131.86% | 61.56% | -66.18% | -37.22% | 11.61% |
Correlation
The correlation between SOFI and QTWO is 0.30, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.30 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.47 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.53 |
Correlation (All Time) Calculated using the full available price history since Dec 1, 2020 | 0.51 |
Over the past year, the correlation between SOFI and QTWO has dropped to 0.30 - well below their long-term average of 0.51, suggesting their price drivers have been diverging.
Fundamentals
SOFI:
$22.74B
QTWO:
$3.03B
SOFI:
$0.44
QTWO:
$1.07
SOFI:
37.17
QTWO:
41.78
SOFI:
4.53
QTWO:
3.76
SOFI:
2.10
QTWO:
4.96
SOFI:
$4.73B
QTWO:
$821.58M
SOFI:
$3.39B
QTWO:
$456.61M
SOFI:
$1.40B
QTWO:
$105.55M
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Return for Risk
SOFI vs. QTWO — Risk / Return Rank
SOFI
QTWO
SOFI vs. QTWO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and Q2 Holdings, Inc. (QTWO). 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 | QTWO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.44 | ||
| Sortino ratioReturn per unit of downside risk | +2.64 | ||
| Omega ratioGain probability vs. loss probability | 1.09 | 0.78 | +0.31 |
| Calmar ratioReturn relative to maximum drawdown | 0.30 | -0.96 | +1.26 |
| Martin ratioReturn relative to average drawdown | 0.56 | -1.51 | +2.07 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| SOFI | QTWO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.28 | -1.16 | +1.44 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.09 | -0.28 | +0.19 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.12 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.12 | 0.21 | -0.09 |
Drawdowns
SOFI vs. QTWO - Drawdown Comparison
The maximum SOFI drawdown since its inception was -83.32%, roughly equal to the maximum QTWO drawdown of -85.77%. Use the drawdown chart below to compare losses from any high point for SOFI and QTWO.
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Drawdown Indicators
| SOFI | QTWO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -83.32% | -85.77% | +2.45% |
Max Drawdown (1Y)Largest decline over 1 year | -52.96% | -53.08% | +0.12% |
Max Drawdown (3Y)Largest decline over 3 years | -52.96% | -59.68% | +6.72% |
Max Drawdown (5Y)Largest decline over 5 years | -81.54% | -80.69% | -0.85% |
Max Drawdown (10Y)Largest decline over 10 years | — | -85.77% | — |
Current DrawdownCurrent decline from peak | -48.77% | -69.45% | +20.68% |
Average DrawdownAverage peak-to-trough decline | -51.23% | -30.20% | -21.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 28.21% | 33.84% | -5.63% |
Volatility
SOFI vs. QTWO - Volatility Comparison
The current volatility for SoFi Technologies, Inc. (SOFI) is 17.24%, while Q2 Holdings, Inc. (QTWO) has a volatility of 18.44%. This indicates that SOFI experiences smaller price fluctuations and is considered to be less risky than QTWO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SOFI | QTWO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 17.24% | 18.44% | -1.20% |
Volatility (6M)Calculated over the trailing 6-month period | 38.62% | 32.97% | +5.65% |
Volatility (1Y)Calculated over the trailing 1-year period | 56.53% | 44.22% | +12.31% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 66.71% | 50.12% | +16.59% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 71.97% | 44.29% | +27.68% |
Dividends
SOFI vs. QTWO - Dividend Comparison
Neither SOFI nor QTWO has paid dividends to shareholders.
Financials
SOFI vs. QTWO - Financials Comparison
This section allows you to compare key financial metrics between SoFi Technologies, Inc. and Q2 Holdings, Inc.. 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. QTWO - 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%.
QTWO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Q2 Holdings, Inc. reported a gross profit of 127.91M and revenue of 216.51M. Therefore, the gross margin over that period was 59.1%.
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%.
QTWO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Q2 Holdings, Inc. reported an operating income of 27.69M and revenue of 216.51M, resulting in an operating margin of 12.8%.
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%.
QTWO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Q2 Holdings, Inc. reported a net income of 26.64M and revenue of 216.51M, resulting in a net margin of 12.3%.
Frequently Asked Questions
SOFI and QTWO have a correlation of 0.30, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
QTWO has higher volatility (18.44%) compared to SOFI (17.24%). In terms of maximum drawdown, SOFI dropped -83.32% vs QTWO's -85.77%.
SOFI currently has the higher Sharpe Ratio (0.28 vs -1.16), 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.
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