` Comparison: CCP, SOFI - Alpha Spread

CCP
vs
SOFI

Over the past 12 months, CCP has underperformed SOFI, delivering a return of -15% compared to the SOFI's +67% growth.

Valuation Growth Profitability Solvency Stocks Performance
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CCP
SOFI
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Stocks Compared:
CCP SOFI
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Valuation Comparison

CCP Intrinsic Value
28.1 AUD
Undervaluation 51%
Intrinsic Value
Price
SOFI Intrinsic Value
16.76 USD
Overvaluation 38%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Credit Corp Group Ltd
ASX:CCP
13.9 AUD
SoFi Technologies Inc
NASDAQ:SOFI
27.07 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
CCP, SOFI

CCP
SOFI
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Credit Corp Group Ltd
Revenue
SoFi Technologies Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
CCP, SOFI

CCP
SOFI
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Credit Corp Group Ltd
ASX:CCP
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

CCP
89.9%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Corp Group Ltd
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

CCP
31.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Corp Group Ltd
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

CCP
17.2%
SOFI
19.3%

FCF Margin

CCP
9.4%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Corp Group Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROE

CCP
11%
SOFI
8.6%

ROA

CCP
6.9%
SOFI
1.6%

ROIC

CCP
9.3%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Corp Group Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROCE

CCP
13.3%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Corp Group Ltd
SoFi Technologies Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CCP, SOFI

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CCP
SOFI
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
CCP, SOFI

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CCP
SOFI
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
CCP, SOFI

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SOFI
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