AGNC vs. SOFI: AGNC Investment vs. SoFi Stock Comparison

November 11, 2026

How do AGNC Investment (AGNC) and SoFi (SOFI) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

AGNC Investment (AGNC) and SoFi (SOFI) both fall under the Financial Services industry group, but AGNC is classified in Mortgage Real Estate Investment Trusts (REITs) while SOFI is classified in Consumer Finance.

SoFi (SOFI) is an ordinary operating company, while AGNC Investment (AGNC) is a REIT — read its payout ratio and P/E alongside FFO (funds from operations) rather than comparing them directly to SOFI’s multiples.

Company profile comparison for AGNC Investment (AGNC) and SoFi (SOFI)
Profile Item	AGNC	SOFI
Name	AGNC Investment Corp.	SoFi Technologies, Inc.
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Mortgage Real Estate Investment Trusts (REITs)	Consumer Finance
GICS Sub-Industry	Mortgage REITs	Consumer Finance
Market Capitalization	11.18 billion USD	21.04 billion USD
Currency	USD	USD
Exchange	Nasdaq	Nasdaq
Listing Date	May 15, 2008	January 4, 2021
Security Type	REIT	Common Stock

Price Performance

Cumulative Growth

AGNC

SOFI

GSPC

AGNC Investment (AGNC) vs. SoFi (SOFI), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for AGNC Investment (AGNC) and SoFi (SOFI). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for AGNC Investment (AGNC) and SoFi (SOFI). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for AGNC Investment (AGNC) and SoFi (SOFI)
Metric	AGNC	SOFI
Total Return (1Y)	-1.36%	-40.42%
Total Return (3Y, Annualized)	18.48%	34.88%
Total Return (5Y, Annualized)	2.31%	-5.36%

Risk Profile

Drawdown History

AGNC

SOFI

GSPC

AGNC Investment (AGNC) vs. SoFi (SOFI), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for AGNC Investment (AGNC) and SoFi (SOFI). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for AGNC Investment (AGNC) and SoFi (SOFI)
Metric	AGNC	SOFI
Volatility (1Y, Annualized)	22.24%	55.56%
Beta (5Y)	1.37	2.22
Max Drawdown (5Y)	-49.02%	-81.28%
Avg. Volume (3M)	28.79M	48.09M

Risk-Adjusted Performance

Risk-Return Positioning

AGNC and SOFI are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for AGNC Investment (AGNC) and SoFi (SOFI)
Metric	AGNC	SOFI
Sharpe Ratio (1Y)	-0.25	-0.80
Sortino Ratio (1Y)	-0.36	-1.09

Profitability

ROE (TTM)

SoFi (SOFI) at 7.35% is around its peer norm for ROE, while AGNC Investment (AGNC) at 0.90% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

AGNC

Financial Services industry group

0.90%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
AGNC: 0.90%
Min: -18.71%

SOFI

Financial Services industry group

7.35%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
SOFI: 7.35%
Q1: 4.48%
Min: -18.71%

AGNC Investment (AGNC) vs. SoFi (SOFI): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

AGNC Investment (AGNC) at 43.64% retains a top-quartile share of revenue as profit, ahead of SoFi (SOFI) at 15.75%, which keeps about the industry-typical share.

AGNC

Financial Services industry group

43.64%

Max: 62.84%
AGNC: 43.64%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

SOFI

Financial Services industry group

15.75%

Max: 62.84%
Q3: 28.05%
SOFI: 15.75%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

AGNC Investment (AGNC) vs. SoFi (SOFI): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

AGNC Investment (AGNC) at 102.11% operates in the top operating margin quartile, ahead of SoFi (SOFI) at 23.19%, which runs around its industry’s norm.

AGNC

Financial Services industry group

102.11%

Max: 107.33%
AGNC: 102.11%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
Min: -44.34%

SOFI

Financial Services industry group

23.19%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
SOFI: 23.19%
Q1: 14.60%
Min: -44.34%

AGNC Investment (AGNC) vs. SoFi (SOFI): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for AGNC Investment (AGNC) and SoFi (SOFI)
Metric	AGNC	SOFI
ROE (TTM)	0.90%	7.35%
ROA (TTM)	0.09%	1.31%
Net Margin (TTM)	43.64%	15.75%
Operating Margin (TTM)	102.11%	23.19%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both companies are growing quickly, but AGNC Investment (AGNC) at 84.69% is the standout with revenue growth above its industry range; SoFi (SOFI) at 38.32% also sits in the top quartile.

AGNC Investment (AGNC) vs. SoFi (SOFI): A comparison of their Revenue Growth across different time periods.

EPS Growth

AGNC Investment (AGNC) at 58.06% sits in the top EPS growth quartile, while SoFi (SOFI) at 0.00% is closer to the peer norm — faster per-share earnings growth for AGNC.

AGNC Investment (AGNC) vs. SoFi (SOFI): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for AGNC Investment (AGNC) and SoFi (SOFI)
Metric	AGNC	SOFI
Revenue Growth (YoY)	84.69%	38.32%
Revenue Growth (3Y CAGR)	--	31.93%
EPS Growth (YoY)	58.06%	0.00%
EPS Growth (3Y CAGR)	--	--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: AGNC Investment (AGNC) in Financial Services and SoFi (SOFI) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: AGNC Investment (AGNC) in Financial Services and SoFi (SOFI) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for AGNC Investment (AGNC) and SoFi (SOFI)
Metric	AGNC	SOFI
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

SoFi (SOFI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile AGNC Investment (AGNC) reports a yield of 16.33%, ranking against industry peers normally.

AGNC

Financial Services industry group

16.33%

AGNC: 16.33%
Max: 9.77%
Q3: 3.92%
Median: 1.09%
Q1: 0.00%
Min: 0.00%

SOFI

Financial Services industry group

0.00%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
SOFI: 0.00%
Q1: 0.00%
Min: 0.00%

AGNC Investment (AGNC) vs. SoFi (SOFI): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

AGNC Investment (AGNC) reports payout ratio above 100% at 7,200.00%, meaning dividends exceeded current-period earnings; SoFi (SOFI) pays no dividend (payout 0.00%).

AGNC

Financial Services industry group

7,200.00%

AGNC: 7,200.00%
Max: 241.07%
Q3: 97.36%
Median: 25.77%
Q1: 0.00%
Min: 0.00%

SOFI

Financial Services industry group

0.00%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
SOFI: 0.00%
Q1: 0.00%
Min: 0.00%

AGNC Investment (AGNC) vs. SoFi (SOFI): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for AGNC Investment (AGNC) and SoFi (SOFI)
Metric	AGNC	SOFI
Dividend Yield (TTM)	16.33%	0.00%
Dividend Payout Ratio (TTM)	7,200.00%	0.00%

Valuation

P/E Ratio (TTM)

Both look expensive on trailing earnings: SoFi (SOFI) at 29.47 sits in the richer P/E ratio quartile, and AGNC Investment (AGNC) at 439.00 is richer still, above its industry range.

AGNC

Financial Services industry group

439.00

AGNC: 439.00
Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

SOFI

Financial Services industry group

29.47

Max: 45.85
SOFI: 29.47
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

AGNC Investment (AGNC) vs. SoFi (SOFI): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

SoFi (SOFI) at 4.49 prices around its industry’s typical P/S ratio, while AGNC Investment (AGNC) at 47.39 clears its benchmark range — AGNC looks notably rich on sales.

AGNC

Financial Services industry group

47.39

AGNC: 47.39
Max: 9.23
Q3: 4.57
Median: 2.72
Q1: 1.28
Min: -0.55

SOFI

Financial Services industry group

4.49

Max: 9.23
Q3: 4.57
SOFI: 4.49
Median: 2.72
Q1: 1.28
Min: -0.55

AGNC Investment (AGNC) vs. SoFi (SOFI): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both AGNC Investment (AGNC) at 1.15 and SoFi (SOFI) at 1.86 are valued close to their industries’ norm against book — neither stands out from peers.

AGNC

Financial Services industry group

1.15

Max: 7.79
Q3: 3.63
Median: 1.57
AGNC: 1.15
Q1: 0.81
Min: -0.39

SOFI

Financial Services industry group

1.86

Max: 7.79
Q3: 3.63
SOFI: 1.86
Median: 1.57
Q1: 0.81
Min: -0.39

AGNC Investment (AGNC) vs. SoFi (SOFI): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for AGNC Investment (AGNC) and SoFi (SOFI)
Metric	AGNC	SOFI
P/E Ratio (TTM)	439.00	29.47
P/S Ratio (TTM)	47.39	4.49
P/B Ratio (MRQ)	1.15	1.86
Free Cash Flow Yield (TTM)	--	--