SOFI·SoFi Technologies, Inc.

Realized volatility (21d)

31.0% 2nd pct

Below its peak

-55.6%

vs 200-day average

-23.2%

Up days (1y)

43%

SoFi Technologies, Inc. is currently running 31.0% annualised volatility over the last 21 sessions. Measured against SOFI's own 6 years of daily returns rather than a market-wide average, that is the 2nd percentile — unusually subdued by its own history, against a typical reading of 60.9%. The distinction matters because a number that looks calm for one stock is turbulent for another, and the absolute figure on its own tells you neither.

SOFI is trading -55.6% below its running peak. Across 5 full years on file, its median worst-drawdown-in-a-year was -47.2%, and the deepest was -72.6% in 2022. The current drawdown is already deeper than this stock's typical annual low point, which puts it in the part of its range where past recoveries began — and where past declines also continued.

Price sits -23.2% from its 200-day moving average. Against every other day in its history, that gap ranks at the 24th percentile — a narrower gap than it typically runs. Over the past year SOFI closed higher on 43% of sessions, and it is currently 1 session into a falling streak.

On October specifically: over 6 years of records, SOFI finished the month higher 4 of 6 times, with a median return of +10.4% and an average of +12.5%. Its strongest month historically has been January at +20.7% on average, its weakest March at -15.8%. Seasonality is a weak signal on its own — a decade is a small sample and regimes change — but it is a real distribution rather than a rule of thumb.

Overnight risk is measurable too: SOFI has opened more than 2% away from the prior close in 109 of 1,475 sessions (7.4% of the time), with the largest gaps running +6.6% and -11.8%. For anyone holding through an event, that rate is a better guide to overnight exposure than the intraday range.

Across the last 3 dated reports on file, SOFI moved an average of 4.2% in the session after earnings, closing higher 2 of those 3 times, with a median move of +2.5% and a largest of +7.5%.

All figures computed from 1,476 daily closes between 2020-11-30 and 2026-10-14, split-adjusted, recomputed daily. Percentiles are against SOFI's own 6-year history, not a peer group or index.