AFRM vs SOFI: which was the better investment?
Affirm Holdings, Inc. against SoFi Technologies, Inc. on real daily total-return data — every dividend reinvested, from Jan 13, 2021 to Oct 15, 2026.
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Frequently asked questions
Did AFRM beat SOFI?
It was effectively a tie over the full overlap period (Jan 13, 2021 to Oct 15, 2026): $10,000 grew to $7,878 in AFRM and $7,896 in SOFI, a difference of under 2%.
What would $10,000 in AFRM be worth today?
$10,000 invested in Affirm Holdings, Inc. (AFRM) on Jan 13, 2021 would be worth about $7,878 as of Oct 15, 2026, a total return of -21.2% (-4.1% per year). The same $10,000 in SOFI would be worth $7,896.
Which was riskier — AFRM or SOFI?
AFRM swung with an annualized volatility of 93.6% and a worst peak-to-trough drop of -94.7%; SOFI ran at 67.3% volatility with a -83.3% maximum drawdown. Risk-adjusted (Sharpe ratio), that is -0.06 for AFRM vs -0.09 for SOFI.
What data is this comparison based on?
Daily adjusted closing prices covering Jan 13, 2021 through Oct 15, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with AFRM vs SOFI. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.