SOFI vs. SNDK

Last updated Jun 13, 2026

SOFI (SoFi Technologies, Inc.) and SNDK (Sandisk Corporation) are both stocks. SOFI operates in Credit Services (Financial Services), while SNDK operates in Computer Hardware (Technology). Over the past year, SOFI returned 17.67% vs 4559.06% for SNDK. At a 0.22 correlation, their price movements are largely independent.

Performance

SOFI vs. SNDK - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in SoFi Technologies, Inc. (SOFI) and Sandisk Corporation (SNDK). 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 SNDK's 734.15% return.

SOFI

• 1D: -0.54%
• 1M: 6.21%
• YTD: -36.67%
• 6M: -39.22%
• 1Y: 17.67%
• 3Y*: 20.23%
• 5Y*: -5.84%
• 10Y*: —

SNDK

• 1D: 5.24%
• 1M: 40.67%
• YTD: 734.15%
• 6M: 860.37%
• 1Y: 4,559.06%
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

SOFI vs. SNDK - Yearly Performance Comparison

	2026 (YTD)	2025
SOFI SoFi Technologies, Inc.	-36.67%	78.46%
SNDK Sandisk Corporation	734.15%	356.50%

Correlation

The correlation between SOFI and SNDK is 0.19, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.19
Correlation (All Time) Calculated using the full available price history since Feb 24, 2025	0.22

Fundamentals

Market Cap SOFI : $22.85B SNDK : $310.88B
EPS SOFI : $0.44 SNDK : $29.70
PE Ratio SOFI : 37.35 SNDK : 66.67
PS Ratio SOFI : 4.55 SNDK : 22.79
PB Ratio SOFI : 2.11 SNDK : 22.56
Total Revenue (TTM) SOFI : $4.73B SNDK : $13.18B
Gross Profit (TTM) SOFI : $3.39B SNDK : $7.39B
EBITDA (TTM) SOFI : $1.40B SNDK : $5.37B

Return for Risk

SOFI vs. SNDK — 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

SNDK

SNDK Risk / Return Rank: 100
SNDK Sharpe Ratio Rank: 100
SNDK Sortino Ratio Rank: 99
SNDK Omega Ratio Rank: 99
SNDK Calmar Ratio Rank: 100
SNDK Martin Ratio Rank: 100

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. SNDK - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and Sandisk Corporation (SNDK). 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	SNDK	Difference
Sharpe ratio: Return per unit of total volatility	0.20	47.94	-47.74
Sortino ratio: Return per unit of downside risk	0.66	8.36	-7.70
Omega ratio: Gain probability vs. loss probability	1.08	2.16	-1.08
Calmar ratio: Return relative to maximum drawdown	0.21	152.17	-151.96
Martin ratio: Return relative to average drawdown	0.39	461.00	-460.61

SOFI vs. SNDK - Sharpe Ratio Comparison

The current SOFI Sharpe Ratio is 0.20, which is lower than the SNDK Sharpe Ratio of 47.94. The chart below compares the historical Sharpe Ratios of SOFI and SNDK, 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. SNDK - Drawdown Comparison

The maximum SOFI drawdown since its inception was -83.32%, which is greater than SNDK's maximum drawdown of -47.50%. Use the drawdown chart below to compare losses from any high point for SOFI and SNDK.

Drawdown Indicators

	SOFI	SNDK	Difference
Max Drawdown Largest peak-to-trough decline	-83.32%	-47.50%	-35.82%
Max Drawdown (1Y) Largest decline over 1 year	-52.96%	-31.34%	-21.62%
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%	0.00%	-48.53%
Average Drawdown Average peak-to-trough decline	-51.20%	-13.74%	-37.46%
Ulcer Index Depth and duration of drawdowns from previous peaks	28.88%	10.32%	+18.56%

Volatility

SOFI vs. SNDK - Volatility Comparison

The current volatility for SoFi Technologies, Inc. (SOFI) is 17.35%, while Sandisk Corporation (SNDK) has a volatility of 26.68%. This indicates that SOFI experiences smaller price fluctuations and is considered to be less risky than SNDK based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SOFI	SNDK	Difference
Volatility (1M) Calculated over the trailing 1-month period	17.35%	26.68%	-9.33%
Volatility (6M) Calculated over the trailing 6-month period	38.57%	71.96%	-33.39%
Volatility (1Y) Calculated over the trailing 1-year period	56.54%	99.48%	-42.94%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	66.69%	97.64%	-30.95%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	71.92%	97.64%	-25.72%

Dividends

SOFI vs. SNDK - Dividend Comparison

Neither SOFI nor SNDK has paid dividends to shareholders.

Tickers have no history of dividend payments

Financials

SOFI vs. SNDK - Profitability Comparison

The chart below illustrates the profitability comparison between SoFi Technologies, Inc. and Sandisk Corporation 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%.

SNDK - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Sandisk Corporation reported a gross profit of 4.66B and revenue of 5.95B. Therefore, the gross margin over that period was 78.4%.

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%.

SNDK - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Sandisk Corporation reported an operating income of 4.11B and revenue of 5.95B, resulting in an operating margin of 69.1%.

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%.

SNDK - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Sandisk Corporation reported a net income of 3.62B and revenue of 5.95B, resulting in a net margin of 60.8%.

Frequently Asked Questions

Can I hold both SOFI and SNDK in my portfolio?

SOFI and SNDK have a correlation of 0.19, 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 SNDK?

SNDK has higher volatility (26.68%) compared to SOFI (17.35%). In terms of maximum drawdown, SOFI dropped -83.32% vs SNDK's -47.50%.

Which has better risk-adjusted returns?

SNDK currently has the higher Sharpe Ratio (47.94 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.