` Comparison: 532720 vs SOFI - Alpha Spread

532720
vs
SOFI

Over the past 12 months, M&MFIN has underperformed SOFI, delivering a return of +38% compared to the SOFI's +70% growth.

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532720
SOFI
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Valuation Comparison

M&MFIN Intrinsic Value
653.18 INR
Undervaluation 44%
Intrinsic Value
Price
SOFI Intrinsic Value
12.07 USD
Overvaluation 36%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Mahindra and Mahindra Financial Services Ltd
BSE:532720
364.85 INR
SoFi Technologies Inc
NASDAQ:SOFI
18.96 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
532720, SOFI

532720
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
Mahindra and Mahindra Financial Services 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
532720, SOFI

532720
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
Mahindra and Mahindra Financial Services Ltd
BSE:532720
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

M&MFIN
50.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Mahindra and Mahindra Financial Services Ltd
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

M&MFIN
28.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Mahindra and Mahindra Financial Services Ltd
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

M&MFIN
11.7%
SOFI
13.3%

FCF Margin

M&MFIN
-64.3%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Mahindra and Mahindra Financial Services Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROE

M&MFIN
10.6%
SOFI
5.7%

ROA

M&MFIN
1.7%
SOFI
1.1%

ROIC

M&MFIN
3.2%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Mahindra and Mahindra Financial Services Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROCE

M&MFIN
4.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Mahindra and Mahindra Financial Services 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
532720, SOFI

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532720
SOFI
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Performance Gap
532720, SOFI

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532720
SOFI
Difference
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Performance By Year
532720, SOFI

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532720
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