` Comparison: 77S vs SOFI - Alpha Spread

S
77S
vs
SOFI

Over the past 12 months, 77S has underperformed SOFI, delivering a return of 0% compared to the SOFI's +42% growth.

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77S
SOFI
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Valuation Comparison

S
77S Intrinsic Value
Not Available
SOFI Intrinsic Value
9.699 USD
Overvaluation 55%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
S
Santander Consumer USA Holdings Inc
F:77S
36.8 EUR
SoFi Technologies Inc
NASDAQ:SOFI
21.445 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
77S, SOFI

77S
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
S
Santander Consumer USA Holdings Inc
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
77S, SOFI

77S
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
S
Santander Consumer USA Holdings Inc
F:77S
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

77S
85.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santander Consumer USA Holdings Inc
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

77S
60.4%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santander Consumer USA Holdings Inc
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

77S
46.4%
SOFI
13.3%

FCF Margin

77S
-30%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santander Consumer USA Holdings Inc
SoFi Technologies Inc
Not applicable for financial companies

ROE

77S
55%
SOFI
5.7%

ROA

77S
7.3%
SOFI
1.1%

ROIC

77S
7.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santander Consumer USA Holdings Inc
SoFi Technologies Inc
Not applicable for financial companies

ROCE

77S
9.6%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
S
Santander Consumer USA Holdings Inc
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
77S, SOFI

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Performance Gap
77S, SOFI

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77S
SOFI
Difference
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Performance By Year
77S, SOFI

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77S
SOFI
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