SOFI vs VTI: Correlation
SoFi Technologies, Inc. (SOFI) and Vanguard Total Stock Market ETF (VTI) show a strong relationship: their 3-year correlation of weekly returns is 0.64.
Data as of 2026-08-27 · refreshed every trading day · weekly returns · methodology
How correlated are SOFI and VTI?
On 3 years of weekly data the SOFI/VTI correlation comes out at 0.64, strong. Recent behaviour matches the longer record: 0.59 over 1 year against 0.64 over 3. The 5-year figure is 0.58, and annualized covariance runs at 526.1 %².
Within SOFI's tracked universe of 18 assets, VTI comes in at #5 by 3-year correlation. Their recent paths diverged sharply: over the last 12 months VTI outperformed by 43.9 percentage points (-23.2% for SOFI against +20.7% for VTI). Risk is not evenly split, since SOFI carries 3.8 times the volatility of the other side.
How is this computed?
Pearson correlation on weekly returns: ρ(A,B) = cov(rA, rB) / (σA · σB), over windows of 52, 156 and 260 weeks. Covariance is annualized (×52) and expressed in %². Full definitions on the methodology page.
SOFI vs VTI: side by side
| SOFI (SoFi Technologies, Inc.) | VTI (Vanguard Total Stock Market ETF) | |
|---|---|---|
| 1-year return | -23.2% | +20.7% |
| 5-year return | +35.2% | +74.8% |
| Volatility (ann.) | 56.2% | 14.6% |
| Beta vs S&P 500 | 2.40 | 1.01 |
| Max drawdown (3Y) | -53.0% | -19.3% |
| Market cap | $24.8B | – |
| P/E (trailing) | 38.4 | – |
| Dividend yield | 0.00% | 1.06% |
| Expense ratio | – | 0.03% |
| Assets under management | – | $2,290.0B |
| Sector / category | US Listed | ETF · US Large Cap |
VTI, Vanguard's Large Blend fund, carries $2,290.0B under management, 3140 holdings, a 0.03% expense ratio, a 1.06% trailing dividend yield.
Year-by-year returns
| Year | SOFI | VTI |
|---|---|---|
| 2022 | -70.8% | -19.5% |
| 2023 | +115.8% | +26.0% |
| 2024 | +54.8% | +23.8% |
| 2025 | +70.0% | +17.1% |
| 2026 | -26.7% | +14.2% |
Calendar-year price returns; the current year is year-to-date as of the data date above.
Are SOFI and VTI good diversifiers for each other?
Only partially. A correlation of 0.64 means SOFI and VTI share most of their swings. Pairing them dampens volatility somewhat, but it will not protect against a common drawdown.
FAQ
What is the correlation between SOFI and VTI?
The SOFI/VTI correlation stands at 0.64 on a 3-year window (1 year: 0.59, 5 years: 0.58), computed from weekly returns as of 2026-08-27.
Is VTI a good diversifier for SOFI?
Only partially. A correlation of 0.64 means SOFI and VTI share most of their swings. Pairing them dampens volatility somewhat, but it will not protect against a common drawdown.
What does a correlation of 0.64 mean?
On the −1 to +1 scale, 0.64 describes how much the two returns move together: +1 is lockstep, 0 is independence, negative values mean opposite directions. It says nothing about which performed better.
Use this data
$ curl https://www.pairbook.io/api/v1/pairs/sofi-vs-vti.json
Markdown for the live badge, attribution link included:
[](https://www.pairbook.io/pair/sofi-vs-vti/)
Free with attribution; caching and terms are described in the API documentation.
Related comparisons
Hubs: SOFI correlations · VTI correlations
