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SoFi Technologies vs Affirm Holdings
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SOFI vs AFRM: the verdict
How SOFI and AFRM compare today, and what CleaRank Financial AI makes of it.
The verdict
CleaRank Financial AI favours
AFRM
SOFI
AFRM
49/100
AI score
67/100
-45.3%
1-year change
-4.9%
61.8%
Volatility (30d, yearly)
60.0%
57.4
RSI (14-day)
49.3
33.5x
P/E ratio
N/A
None
Dividend yield
None
The verdict
Affirm Holdings (AFRM) comes out ahead on CleaRank's model, scoring 67/100 (Buy) against 49/100 (Hold) for SoFi Technologies (SOFI).
Price, side by side
Both prices start at 0% on the first day of the period you pick, so the moves compare directly.
Rebased price
-10%0%+10%+1.6%-1.1%
Oct '26
-10%0%+10%+0.4%-2%
Aug '26Sep '26Oct '26
-20%0%+20%+40%+15%-11%
May '26Jun '26Jul '26Aug '26Sep '26Oct '26
-40%-20%0%-4.9%-45%
Nov '25Jan '26Mar '26Jun '26Aug '26Oct '26
0%+100%+200%+300%+140%+120%
Sep '24Feb '25Jul '25Dec '25May '26Oct '26
Over 1 year: SOFI lost 45.3% and AFRM lost 4.9%, a gap of 40.4 points in AFRM's favour.
Valuation and profitability
What each costs relative to its earnings and sales, and how much of its revenue it keeps.
Side by side
Valuation
Lower multiples mean you pay less for each dollar of earnings or sales.
SOFI
AFRM
$21.2B
Market cap
$24.5B
33.5x
P/E ratio
N/A
5.0x
Price / sales
6.2x
1.7x
Price / book
4.3x
N/A
EV / EBITDA
43.2x
Profitability
How much of each dollar of revenue becomes profit, and how hard the capital works.
SOFI
AFRM
+42.5%
Revenue growth (quarter, y/y)
+32.6%
14.9%
Net margin
9.6%
7.1%
Return on equity
45.1%
1.2%
Return on assets
1.9%
0.31
Debt / equity
1.83
On valuation
SOFI's P/E is at a premium to peers, against a Financial Services median of 16.5. On sales, AFRM is valued higher, at 5.55 times against 4.42.
On profitability
SOFI keeps more of its sales as profit, with a net margin of 14.91% against 9.63%. AFRM earns the higher return on equity, 45.13% against 7.10%. In the latest quarter, year on year, revenue grew 42.54% at SOFI and grew 32.64% at AFRM. No dividend is reported in our data for SOFI. No dividend is reported in our data for AFRM.
Earnings reality check
SOFI
No reliable earnings figures in our data.
AFRM
AFRM beat the estimate in 2 of its last 4 reports (latest Feb '26); the shares fell the next session after 0 of those beats.
Surprise
Next session
Feb '25Aug '25Nov '25Feb '26
Momentum and sentiment
The indicators behind each AI score, side by side.
Indicators side by side
SOFI
AFRM
49/100
AI score
67/100
57.4
RSI (14-day)
49.3
-1.4%
Price against 50-day average
-0.7%
-8.5%
Price against 200-day average
+9.2%
Technicals
Its 14-day RSI is 38.3, in the bearish zone, with the MACD line negative. Its 14-day RSI is 42.6, in the neutral zone, with the MACD line negative. AFRM sits higher in its 52-week range, at 57% against 3% for SOFI.
Risk and practical tips
How much each moves, how much return each has paid for that risk, and what to watch if you hold either.
Risk measures
SOFI
AFRM
61.8%
Volatility (30d, yearly)
60.0%
2.33
Beta against the S&P 500
3.82
0.83
Sharpe ratio
0.84
Risk
AFRM moves more on an average day, 3.46% against 2.39% for SOFI. Against the S&P 500, SOFI has a beta of 2.33 and AFRM 3.82. Their worst falls in the price history were 82.2% for SOFI (February 2021 to December 2022) and 94.6% for AFRM (November 2021 to May 2023). On these measures together, AFRM is the riskier of the two.
SOFI vs AFRM: long-term scenarios
Simulated paths from each price history. A range of outcomes, not a forecast.
Simulated growth of $10,000
$10K$20K$30K$40K$50K$52.8K$41.7K$12.6K$9,946
2026202820302031
SOFI
AFRM
$3,005
Downside, 2031 (10th)
$2,373
$12,592
Base case, 2031 (median)
$9,946
$52,770
Upside, 2031 (90th)
$41,682
In the median simulated path, $10,000 in SOFI grows to about $12,600 and $10,000 in AFRM to about $9,900 by 2031. The paths come from each asset's own historical volatility and trend; they are statistical outcomes, not forecasts.
Trade plans for both
Entry, stop and target levels from each moving average and its volatility. Educational, not advice.
Actionable Trade Plans
Select Your Trade Bias
Risk Tolerance
Conservative
3%
Aggressive
Portfolio Value
$
✎
Position Size: $200 - $300 per asset
SOFI
Current: $16.40
ENTRY ZONES
Conservative
$15.58
Aggressive
$16.40
RISK MANAGEMENT
STOP LOSS
$15.11
MAX LOSS
-3%
Volatility-Adjusted Stop Loss
Calculated based on volatility and technical support levels.
Profit Targets (Based on Conservative)
+5% from current
$17.22
+10% from current
$18.04
+15% from current
$18.86
AFRM
Current: $72.68
ENTRY ZONES
Conservative
$69.05
Aggressive
$72.68
RISK MANAGEMENT
STOP LOSS
$66.97
MAX LOSS
-3%
Volatility-Adjusted Stop Loss
Calculated based on volatility and technical support levels.
Profit Targets (Based on Conservative)
+5% from current
$76.31
+10% from current
$79.95
+15% from current
$83.58
Calculate Your Trade
Disclaimer
The content is for educational purposes only. SOFI is the more volatile asset here, and volatile prices can move sharply in either direction. Trading involves risk of loss. Note: The AI favored AFRM based on its price trend, on today's data.
SOFI vs AFRM: questions people ask
Answered from the figures on this page.
Frequently Asked Questions
Which is better, SOFI or AFRM?+
On CleaRank's model AFRM scores higher, 67/100 (Buy) against 49/100 (Hold) for SOFI. This describes the data on this page and is not a personal recommendation.
Which is riskier, SOFI or AFRM?+
AFRM is the riskier of the two on the measures we track. Average daily move: 2.39% for SOFI, 3.46% for AFRM. Beta against the S&P 500: 2.33 for SOFI, 3.82 for AFRM. Worst fall in the price history: 82.2% for SOFI, 94.6% for AFRM.
Which has stronger momentum right now, SOFI or AFRM?+
Both MACD lines are negative. Readings above 70 or below 30 mark stretched momentum.
How have SOFI and AFRM performed over the past year?+
Over the 12 months to October 27, 2026, SOFI's price fell 45.3% and AFRM's fell 4.9%. These are price changes; dividends are not included.
Do SOFI and AFRM move together?+
Yes, moderately: over roughly the past year to October 27, 2026, the correlation of their daily returns was +0.65 (+1 means they move in lockstep, 0 means no relationship). Holding both spreads the risk more than owning either alone.
How far are SOFI and AFRM from their 52-week highs?+
As of October 27, 2026, SOFI is 49.9% below its 52-week high of $32.73 and AFRM is 19.6% below its high of $90.44.