` Comparison: CREAL vs SOFI - Alpha Spread

CREAL
vs
SOFI

Over the past 12 months, CREAL has underperformed SOFI, delivering a return of 0% compared to the SOFI's +63% growth.

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CREAL
SOFI
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Valuation Comparison

CREAL Intrinsic Value
Not Available
SOFI Intrinsic Value
12.64 USD
Overvaluation 32%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Credito Real SAB de CV SOFOM ENR
BMV:CREAL
0.354 MXN
SoFi Technologies Inc
NASDAQ:SOFI
18.53 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CREAL, SOFI

CREAL
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
Credito Real SAB de CV SOFOM ENR
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
CREAL, SOFI

CREAL
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
Credito Real SAB de CV SOFOM ENR
BMV:CREAL
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

CREAL
45.9%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credito Real SAB de CV SOFOM ENR
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

CREAL
0.3%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credito Real SAB de CV SOFOM ENR
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

CREAL
1.1%
SOFI
13.3%

FCF Margin

CREAL
-2.7%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credito Real SAB de CV SOFOM ENR
SoFi Technologies Inc
Not applicable for financial companies

ROE

CREAL
0.8%
SOFI
5.7%

ROA

CREAL
0.2%
SOFI
1.1%

ROIC

CREAL
0.3%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credito Real SAB de CV SOFOM ENR
SoFi Technologies Inc
Not applicable for financial companies

ROCE

CREAL
0.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credito Real SAB de CV SOFOM ENR
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
CREAL, SOFI

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Performance Gap
CREAL, SOFI

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CREAL
SOFI
Difference
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Performance By Year
CREAL, SOFI

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CREAL
SOFI
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett