SOFI drawdown: 42.8% below the all-time high
SoFi Technologies Inc. Common Stock (SOFI) is 42.8% below its all-time high, set Nov 12, 2025 (as of market close, Aug 13, 2026). The chart shows every day as a percentage of the highest level reached up to that point: 100% means a fresh record, everything below is a drawdown. "All-time" means since our price data begins (2021).
- Below all-time high
- −42.8%
- 57.2% of ATH
- All-time high
- $32.21
- Nov 12, 2025
- Time below the high
- 9 mo
- since Nov 12, 2025
- Worst-ever drawdown
- −83.3%
- Dec 7, 2022
- Longest underwater
- 4.6 yrs
- between all-time highs
- Today's level first reached
- Jan 7, 2021
- 5.6 yrs ago
- Last time this deep
- Jun 17, 2025
- in a previous episode
% of all-time high since 2021#
The classic underwater chart (drawdown curve), drawn as % of the all-time high — 100% is a fresh record, everything below it is time spent underwater.
% of all-time high on the price basis — the all-time high considers the full history of SOFI, including years before the visible window. Dividends are excluded on this basis (the convention headlines use).
The deepest drawdowns on record#
Every decline of 15% or more from an all-time high (price basis), deepest first.
| Peak | Trough | Depth | Peak → trough | Recovered by | Underwater |
|---|---|---|---|---|---|
| Feb 1, 2021 | Dec 7, 2022 | −83.3% | 1.8 yrs | Aug 25, 2025 | 4.6 yrs |
| Nov 12, 2025 | Mar 30, 2026 | −53.0% | 5 mo | not yet | 9 mo+ |
| Jan 19, 2021 | Jan 27, 2021 | −19.5% | 8 days | Jan 29, 2021 | 10 days |
| Sep 22, 2025 | Oct 3, 2025 | −15.3% | 11 days | Oct 27, 2025 | 35 days |
Price basis (no dividends) — the convention crash histories use. With dividends reinvested, recoveries arrive years earlier; switch the basis on the chart above to see it.
Drawdown vs what came next#
One dot per month since 2021: how far SOFI stood below its all-time high, and the total return over the following 1, 5 and 10 years.
Read this with survivorship bias in mind: SOFI is on this chart precisely because it survived — the many stocks that fell this far and never recovered (or were delisted) aren't on anyone's chart, so past recoveries here say little about the odds ahead. Monthly windows also overlap heavily (they are not independent samples). Not investment advice.
FAQ#
- How far is SOFI from its all-time high?
- SOFI is currently 42.8% below its all-time high, set Nov 12, 2025 (as of market close, Aug 13, 2026). Prices only, the convention headlines use; with dividends reinvested the gap is usually smaller.
- What was the biggest SOFI drawdown ever?
- The deepest decline on record in our data (since 2021) took the stock 83.3% below its prior high, bottoming Dec 7, 2022. The table on this page lists every major episode with its peak, trough and recovery date.
Methodology & related#
Daily closing prices since 2021 (split-adjusted). "All-time" means since our price data begins — SOFI may have traded earlier. For a 150-year index drawdown record see the S&P 500 drawdown page. The price basis excludes dividends; the total-return basis reinvests them; the real basis additionally deflates by CPI. See also returns by year, 150 years of returns and the rolling-returns explorer. Past performance does not predict future returns; not investment advice.