PYPL vs SOFI: which was the better investment?
PayPal Holdings, Inc. against SoFi Technologies, Inc. on real daily total-return data — every dividend reinvested, from Jan 4, 2021 to Aug 28, 2026.
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Frequently asked questions
Did PYPL beat SOFI?
No — measured from Jan 4, 2021 to Aug 28, 2026 with dividends reinvested, SOFI came out ahead: $14,803 versus $2,334 from a $10,000 start. That gap compounds from a 7.2% annual return against -22.7%.
What would $10,000 in PYPL be worth today?
$10,000 invested in PayPal Holdings, Inc. (PYPL) on Jan 4, 2021 would be worth about $2,334 as of Aug 28, 2026, a total return of -76.7% (-22.7% per year). The same $10,000 in SOFI would be worth $14,803.
Which was riskier — PYPL or SOFI?
PYPL swung with an annualized volatility of 42.5% and a worst peak-to-trough drop of -87.3%; SOFI ran at 71.9% volatility with a -83.3% maximum drawdown. Risk-adjusted (Sharpe ratio), that is -0.58 for PYPL vs 0.07 for SOFI.
What data is this comparison based on?
Daily adjusted closing prices covering Jan 4, 2021 through Aug 28, 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 PYPL 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.