SOFI vs. TSLA

Last updated Aug 1, 2026

SOFI (SoFi Technologies, Inc.) and TSLA (Tesla, Inc.) are both stocks. SOFI operates in Credit Services (Financial Services), while TSLA operates in Auto Manufacturers (Consumer Cyclical). Over the past 5 years, SOFI returned 1.10%/yr vs 6.32%/yr for TSLA. Their 0.45 correlation means their historical movements had little consistent relationship.

Performance

SOFI vs. TSLA - Performance Comparison

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

Returns By Period

In the year-to-date period, SOFI achieves a -37.70% return, which is significantly lower than TSLA's -30.80% return.

SOFI

• 1D: -0.97%
• 1M: -10.58%
• 6M: -28.50%
• YTD: -37.70%
• 1Y: -23.17%
• 3Y*: 16.37%
• 5Y*: 1.10%
• 10Y*: —
• ALL TIME*: 7.20%

TSLA

• 1D: 0.76%
• 1M: -20.90%
• 6M: -27.69%
• YTD: -30.80%
• 1Y: 2.84%
• 3Y*: 6.03%
• 5Y*: 6.32%
• 10Y*: 35.29%
• ALL TIME*: 40.79%

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

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
SOFI SoFi Technologies, Inc.	$1.50B	$1.50B	$1.35B
TSLA Tesla, Inc.	$15.40B	$15.32B	$18.68B

SOFI vs. TSLA - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
SOFI SoFi Technologies, Inc.	-37.70%	70.00%	54.77%	115.84%	-70.84%	27.09%	13.09%
TSLA Tesla, Inc.	-30.80%	11.36%	62.52%	101.72%	-65.03%	49.76%	20.47%

Correlation

The correlation between SOFI and TSLA is 0.44, which is low. Their historical price movements had little consistent relationship.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.44
Correlation (3Y) Balances recent behavior with more history.	0.45
Correlation (5Y) Shows whether the relationship held over a longer period.	0.49
Correlation (All Time) Calculated using the full available price history since Nov 30, 2020	0.45

Fundamentals

Market Cap SOFI : $20.92B TSLA : $1.23T
EPS SOFI : $0.54 TSLA : $1.08
PE Ratio SOFI : 29.98 TSLA : 288.20
PS Ratio SOFI : 4.52 TSLA : 10.62
PB Ratio SOFI : 2.01 TSLA : 12.68
Total Revenue (TTM) SOFI : $4.85B TSLA : $103.62B
Gross Profit (TTM) SOFI : $3.97B TSLA : $19.53B
EBITDA (TTM) SOFI : $756.79M TSLA : $10.41B

Return for Risk

SOFI vs. TSLA — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

SOFI

SOFI Risk / Return Rank: 25
SOFI Sharpe Ratio Rank: 22
SOFI Sortino Ratio Rank: 24
SOFI Omega Ratio Rank: 25
SOFI Calmar Ratio Rank: 25
SOFI Martin Ratio Rank: 27

TSLA

TSLA Risk / Return Rank: 44
TSLA Sharpe Ratio Rank: 45
TSLA Sortino Ratio Rank: 42
TSLA Omega Ratio Rank: 41
TSLA Calmar Ratio Rank: 46
TSLA Martin Ratio Rank: 45

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

SOFI vs. TSLA - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and Tesla, Inc. (TSLA). 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	TSLA	Difference
Sharpe ratio: Return per unit of total volatility	-0.49	0.02	-0.51
Sortino ratio: Return per unit of downside risk	-0.39	0.36	-0.75
Omega ratio: Gain probability vs. loss probability	0.95	1.04	-0.09
Calmar ratio: Return relative to maximum drawdown	-0.53	0.02	-0.55
Martin ratio: Return relative to average drawdown	-0.84	0.06	-0.90

SOFI vs. TSLA - Sharpe Ratio Comparison

The current SOFI Sharpe Ratio is -0.49, which is lower than the TSLA Sharpe Ratio of 0.02. The chart below compares the historical Sharpe Ratios of SOFI and TSLA, 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. TSLA - Drawdown Comparison

The maximum SOFI drawdown since its inception was -83.32%, which is greater than TSLA's maximum drawdown of -73.63%. Use the drawdown chart below to compare losses from any high point for SOFI and TSLA.

Drawdown Indicators

	SOFI	TSLA	Difference
Max Drawdown Largest peak-to-trough decline	-83.32%	-73.63%	-9.69%
Max Drawdown (1Y) Largest decline over 1 year	-52.96%	-39.10%	-13.86%
Max Drawdown (3Y) Largest decline over 3 years	-52.96%	-53.77%	+0.81%
Max Drawdown (5Y) Largest decline over 5 years	-81.54%	-73.63%	-7.91%
Max Drawdown (10Y) Largest decline over 10 years	—	-73.63%	—
Current Drawdown Current decline from peak	-49.36%	-36.47%	-12.89%
Average Drawdown Average peak-to-trough decline	-51.07%	-22.72%	-28.35%
Ulcer Index Depth and duration of drawdowns from previous peaks	33.29%	15.31%	+17.98%

Volatility

SOFI vs. TSLA - Volatility Comparison

The current volatility for SoFi Technologies, Inc. (SOFI) is 16.98%, while Tesla, Inc. (TSLA) has a volatility of 20.43%. This indicates that SOFI experiences smaller price fluctuations and is considered to be less risky than TSLA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SOFI	TSLA	Difference
Volatility (1M) Calculated over the trailing 1-month period	16.98%	20.43%	-3.45%
Volatility (6M) Calculated over the trailing 6-month period	39.65%	34.55%	+5.10%
Volatility (1Y) Calculated over the trailing 1-year period	56.66%	46.36%	+10.30%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	66.48%	59.65%	+6.83%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	71.52%	59.43%	+12.09%

Dividends

SOFI vs. TSLA - Dividend Comparison

Neither SOFI nor TSLA has paid dividends to shareholders.

Tickers have no history of dividend payments

Financials

Frequently Asked Questions

Can I hold both SOFI and TSLA in my portfolio?

SOFI and TSLA have a correlation of 0.44, 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 TSLA?

TSLA has higher volatility (20.43%) compared to SOFI (16.98%). In terms of maximum drawdown, SOFI dropped -83.32% vs TSLA's -73.63%.

Which has better risk-adjusted returns?

TSLA currently has the higher Sharpe Ratio (0.02 vs -0.49), 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.