What was SoFi's compound annual growth rate (CAGR) since 2025?

SoFi's CAGR from 2025 to September 2026 was 7.2% per year. For comparison, the S&P 500 has historically averaged around 10% annually. However, this came with substantially higher volatility and drawdown risk.

How does SoFi compare to the S&P 500 since 2025?

The same $1,000 invested in an S&P 500 index fund in 2025 would be worth approximately $1,332.93 today. SoFi underperformed the S&P 500 by $204.84.

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

Sold today, the $128.10 gain would be a long-term capital gain for US federal tax. At the 15% rate most people pay, you'd keep about $1,108.88. At the top rate of 23.8% (20% plus the 3.8% net investment income tax) you'd keep about $1,097.61, 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 2025?

Adjusted for cumulative US inflation since 2025, the real purchasing-power value of the SoFi position is approximately $1,107.33 in 2025 dollars. Inflation shrinks the gain, but the investment still grew faster than prices.

How did SoFi perform in 2025?

SoFi rose 94% during 2025, from $14.13 at the start of the year to $27.46 at the start of 2026.

What If You Invested $1,000 in SoFi in 2025?

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

$1,128

+$128.10 profit1.13x7.2% a year

The same $1,000 in an S&P 500 index fund: $1,333

Aftertax on the gain, you’d keep$1,109

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

$1,128.10

Total Profit

$128.10

Multiplier

1.13x

CAGR

7.2%

Max Drawdown

-46.6%

Inflation-Adjusted

$1,107.33

Benchmark Comparison

How does $1,000.00 invested in 2025 compare across different asset classes?

Asset	Value Today	Return
SoFi	$1,128.10	1.13x
S&P 500	$1,332.93	1.33x
Gold	$1,601.07	1.60x
Savings (2% APY)	$1,035.13	1.04x

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 2025

In December 2025, SoFi announced it was launching its own stablecoin, joining a wave of financial firms exploring dollar-backed digital tokens. fortune.com
In 2025, a gallon of gas averaged $3.10 and the new iPhone 17 Pro started at $1,099. eia.gov apple.com
During 2025 itself, SoFi rose 94%, #4 of the 114 investments we track. The best was Robinhood (+192%); the worst was Polkadot (−73%). Full 2025 results →

$1,000 in SoFi, year by year

Of the 114 investments we track that were available at the start of 2025, SoFi ranks #60 by growth to today — just behind Rivian and ahead of Amazon. See the full 2025 ranking →

SoFi started 2025 9.9% below its start-of-2022 high, after rising 46% in 2024. 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 $1,943. Today it's 42% below that, so selling then would have beaten holding. 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 ($2,104) to Mar 2026 ($1,124), a drop of 47%. At its lowest month-end, in Mar 2025, it was worth $823.33.

When	Worth	Change	S&P 500
Start of 2025	$1,000	—	$1,000
Start of 2026	$1,943	+94%	$1,179
Today	$1,128	−42%	$1,333

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 2025, SoFi was priced at $14.13 (adjusted for later splits and dividends). $1,000 would have bought about 70.77 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.

Frequently Asked Questions

A $1,000 investment in SoFi at the start of 2025 would be worth approximately $1,128.10 today — a 1.13x return ($128.10 profit) over 1.7 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 2025 (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 of2025 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.