SOFI’s worst drop since 2021 was 83%
SoFi Technologies (SOFI) fell 83% from Feb 2021 to Dec 2022. It took 4.5 years from that peak to close at a new high, in Aug 2025. Over the same years the S&P 500 fell as much as 25%.
That drop ranks 308th deepest among the 986 stocks PortfolioAutopsy tracks.
Drawdown from the last high, 2021 to now
How SOFI held up in each crash
| Crash | Years | SOFI | S&P 500 |
|---|---|---|---|
| Dot-com bust | 2000–02 | not trading yet | −47.5% |
| Financial crisis | 2007–09 | not trading yet | −55.2% |
| COVID crash | 2020 | not trading yet | −33.7% |
| 2022 rate shock | 2022 | −72.6% | −24.5% |
Each number is the deepest fall from a high inside that window, using daily prices with dividends reinvested.
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What was SOFI’s maximum drawdown?
SOFI’s deepest fall since 2021 was 83.3%, from its high on February 1, 2021 to its low on December 7, 2022. The figure uses daily prices with dividends reinvested.
How long did SOFI take to recover?
4.5 years. SOFI first closed above its Feb 2021 high again on August 25, 2025.
Was SOFI riskier than the S&P 500?
Over the same years, SOFI’s worst drop was 83.3% against 24.5% for the S&P 500 (SPY), and its worst 12 months were −77.8% against −19.7%.
Compare with
Daily adjusted closes from Yahoo Finance, January 5, 2021 through October 13, 2026, dividends reinvested. Historical facts, not a forecast and not investment advice.