XYF vs. SOFI

Last updated Apr 2, 2026

Compare and contrast key facts about X Financial (XYF) and SoFi Technologies, Inc. (SOFI).

Performance

XYF vs. SOFI - Performance Comparison

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

XYF vs. SOFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
XYF X Financial	-26.43%	-30.39%	146.56%	26.06%	0.33%	50.50%	-20.00%
SOFI SoFi Technologies, Inc.	-40.30%	70.00%	54.77%	115.84%	-70.84%	27.09%	18.70%

Fundamentals

Market Cap XYF : $27.27M SOFI : $21.04B
EPS XYF : $209.80 SOFI : $0.38
PE Ratio XYF : 0.02 SOFI : 41.36
PS Ratio XYF : 0.00 SOFI : 4.56
PB Ratio XYF : 0.00 SOFI : 2.01
Total Revenue (TTM) XYF : $6.62B SOFI : $4.36B
Gross Profit (TTM) XYF : $3.60B SOFI : $2.56B
EBITDA (TTM) XYF : $2.49B SOFI : $818.24M

Returns By Period

In the year-to-date period, XYF achieves a -26.43% return, which is significantly higher than SOFI's -40.30% return.

XYF

• 1D: 0.00%
• 1M: -17.43%
• YTD: -26.43%
• 6M: -70.57%
• 1Y: -69.96%
• 3Y*: 15.50%
• 5Y*: 4.81%
• 10Y*: —

SOFI

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

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

Return for Risk

XYF vs. SOFI — Risk / Return Rank

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

XYF

XYF Risk / Return Rank: 6
XYF Sharpe Ratio Rank: 5
XYF Sortino Ratio Rank: 4
XYF Omega Ratio Rank: 5
XYF Calmar Ratio Rank: 9
XYF Martin Ratio Rank: 9

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

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.

XYF vs. SOFI - Risk-Adjusted Trends Comparison

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

	XYF	SOFI	Difference
Sharpe ratio Return per unit of total volatility	-0.97	0.52	-1.49
Sortino ratio Return per unit of downside risk	-1.69	1.10	-2.79
Omega ratio Gain probability vs. loss probability	0.79	1.13	-0.34
Calmar ratio Return relative to maximum drawdown	-0.85	0.65	-1.50
Martin ratio Return relative to average drawdown	-1.49	1.73	-3.23
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

XYF vs. SOFI - Sharpe Ratio Comparison

The current XYF Sharpe Ratio is -0.97, which is lower than the SOFI Sharpe Ratio of 0.52. The chart below compares the historical Sharpe Ratios of XYF and SOFI, 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

	XYF	SOFI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.97	0.52	-1.49
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.06	-0.03	+0.09
Sharpe Ratio (All Time) Calculated using the full available price history	-0.25	0.11	-0.36

Correlation

The correlation between XYF and SOFI is 0.20, 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

XYF vs. SOFI - Dividend Comparison

XYF's dividend yield for the trailing twelve months is around 12.86%, while SOFI has not paid dividends to shareholders.

	TTM	2025	2024	2023	2022	2021	2020	2019
XYF X Financial	12.86%	9.46%	4.08%	4.64%	0.00%	0.00%	0.00%	5.92%
SOFI SoFi Technologies, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Drawdowns

XYF vs. SOFI - Drawdown Comparison

The maximum XYF drawdown since its inception was -95.75%, which is greater than SOFI's maximum drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for XYF and SOFI.

Drawdown Indicators

	XYF	SOFI	Difference
Max Drawdown Largest peak-to-trough decline	-95.75%	-83.32%	-12.43%
Max Drawdown (1Y) Largest decline over 1 year	-82.64%	-52.96%	-29.68%
Max Drawdown (5Y) Largest decline over 5 years	-90.16%	-82.00%	-8.16%
Current Drawdown Current decline from peak	-86.38%	-51.47%	-34.91%
Average Drawdown Average peak-to-trough decline	-79.93%	-51.35%	-28.58%
Ulcer Index Depth and duration of drawdowns from previous peaks	47.12%	19.84%	+27.28%

Volatility

XYF vs. SOFI - Volatility Comparison

X Financial (XYF) has a higher volatility of 36.15% compared to SoFi Technologies, Inc. (SOFI) at 10.41%. This indicates that XYF's price experiences larger fluctuations and is considered to be riskier than SOFI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	XYF	SOFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	36.15%	10.41%	+25.74%
Volatility (6M) Calculated over the trailing 6-month period	51.01%	41.85%	+9.16%
Volatility (1Y) Calculated over the trailing 1-year period	72.23%	59.88%	+12.35%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	83.18%	67.13%	+16.05%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	92.02%	72.31%	+19.71%

Financials

XYF vs. SOFI - Profitability Comparison

The chart below illustrates the profitability comparison between X Financial and SoFi Technologies, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

XYF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, X Financial reported a gross profit of 949.18M and revenue of 1.45B. Therefore, the gross margin over that period was 65.6%.

SOFI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, SoFi Technologies, Inc. reported a gross profit of 0.00 and revenue of 927.42M. Therefore, the gross margin over that period was 0.0%.

XYF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, X Financial reported an operating income of 19.90M and revenue of 1.45B, resulting in an operating margin of 1.4%.

SOFI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, SoFi Technologies, Inc. reported an operating income of 0.00 and revenue of 927.42M, resulting in an operating margin of 0.0%.

XYF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, X Financial reported a net income of 56.38M and revenue of 1.45B, resulting in a net margin of 3.9%.

SOFI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, SoFi Technologies, Inc. reported a net income of 173.55M and revenue of 927.42M, resulting in a net margin of 18.7%.