What was SoFi's compound annual growth rate (CAGR) since 2024?

SoFi's CAGR from 2024 to September 2026 was 20.0% per year. For comparison, the S&P 500 has historically averaged around 10% annually. SoFi significantly outperformed traditional equity markets on an annualized basis.

How does SoFi compare to the S&P 500 since 2024?

The same $1,000 invested in an S&P 500 index fund in 2024 would be worth approximately $1,665.61 today. SoFi underperformed the S&P 500 by $16.90.

How much of the SoFi gain would you keep after taxes?

Sold today, the $648.70 gain would be a long-term capital gain for US federal tax. At the 15% rate most people pay, you'd keep about $1,551.40. At the top rate of 23.8% (20% plus the 3.8% net investment income tax) you'd keep about $1,494.31, and lower incomes pay 0%. State tax is extra, and gains inside a Roth IRA aren't taxed.

What is the inflation-adjusted return on $1,000 in SoFi since 2024?

Adjusted for cumulative US inflation since 2024, the real purchasing-power value of the SoFi position is approximately $1,589.03 in 2024 dollars. Inflation shrinks the gain, but the investment still grew faster than prices.

How did SoFi perform in 2024?

SoFi rose 46% during 2024, from $9.65 at the start of the year to $14.13 at the start of 2025.

What If You Invested $1,000 in SoFi in 2024?

Q: Did SoFi pay dividends?

No. SoFi paid no dividends over this period, so the whole return came from its share price.

Try your own numbers

If I had putintoat the start of…

it would be worth today

$1,649

+$648.70 profit1.65x20.0% a year

The same $1,000 in an S&P 500 index fund: $1,666

Aftertax on the gain, you’d keep$1,551

US federal long-term rates: 15% for most people, 0% on lower incomes, 20% + 3.8% on high incomes. No state tax included; none inside a Roth IRA.

Compare with

Growth Over Time

Performance Metrics

Total Invested

$1,000.00

Current Value

$1,648.70

Total Profit

$648.70

Multiplier

1.65x

CAGR

20.0%

Max Drawdown

-46.6%

Inflation-Adjusted

$1,589.03

Benchmark Comparison

How does $1,000.00 invested in 2024 compare across different asset classes?

Asset	Value Today	Return
SoFi	$1,648.70	1.65x
S&P 500	$1,665.61	1.67x
Gold	$2,039.31	2.04x
Savings (2% APY)	$1,055.88	1.06x

Dividends

SoFi paid no dividends over this period, so the whole return came from its share price.

Dividends from Yahoo Finance. Shares today assume every dividend was reinvested.

Back in 2024

In December 2024, SoFi announced it had passed 10 million members, after adding nearly 2.5 million members so far that year. sec.gov
In 2024, a gallon of gas averaged $3.30 and the new iPhone 16 Pro started at $999. eia.gov apple.com
During 2024 itself, SoFi rose 46%, #30 of the 114 investments we track. The best was Palantir (+353%); the worst was Intel (−57%). Full 2024 results →

$1,000 in SoFi, year by year

Of the 114 investments we track that were available at the start of 2024, SoFi ranks #49 by growth to today — just behind S&P 500 ETF (SPY) and ahead of Total Stock Market ETF (VTI). See the full 2024 ranking →

SoFi started 2024 38% below its start-of-2022 high, after rising 114% in 2023. It has been worth more than the $1,000 put in at every January since, and still is today. Its best January was 2026, at $2,846. Today it's 42% below that, so selling then would have beaten holding. It rose in 2 of the 2 full years since. It was ahead of the same $1,000 in the S&P 500 at the start of 2026 but has fallen behind it since. Month by month, the deepest fall ran from Nov 2025 ($3,080) to Mar 2026 ($1,646), a drop of 47%. At its lowest month-end, in Jun 2024, it was worth $684.97.

When	Worth	Change	S&P 500
Start of 2024	$1,000	—	$1,000
Start of 2025	$1,464	+46%	$1,250
Start of 2026	$2,846	+94%	$1,474
Today	$1,649	−42%	$1,666

Values at the start of each year (first trading day for stocks). The S&P 500 column includes reinvested dividends, like the stock values.

Historical Context

At the start of 2024, SoFi was priced at $9.65 (adjusted for later splits and dividends). $1,000 would have bought about 104 shares. SoFi is an online bank and lender. It went public in 2021 by merging with a SPAC, so its early prices are the SPAC’s.

Measured from one January to the next, SoFi's best year since then was 2025 (+94%) and its weakest was 2024 (+46%).

Frequently Asked Questions

A $1,000 investment in SoFi at the start of 2024 would be worth approximately $1,648.70 today — a 1.65x return ($648.70 profit) over 2.7 years.

Methodology & Sources

Price data: Historical prices are the closing price on the first trading day of each year, adjusted for splits and dividends (so returns assume dividends were reinvested), from Yahoo Finance and MacroTrends. Current prices come from Yahoo Finance and refresh hourly; if that source is unavailable, the last saved price is used.

Calculation: Assumes a single purchase at the start of 2024 (or the first trading day, for companies that listed that year), held until today. No transaction fees, taxes, or slippage are included.

Benchmarks: The S&P 500 comparison uses the S&P 500 Total Return index (dividends reinvested, like an index fund) at the start of2024 and today. Gold uses the price per troy ounce. Savings account assumes a 2% APY compounded annually.

Inflation adjustment: Uses U.S. CPI-U annual averages from the Bureau of Labor Statistics. The 2026 CPI value is estimated.

Educational purposes only. Past performance does not guarantee future results. Not financial advice.