` Comparison: TIFA vs SOFI - Alpha Spread
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TIFA
vs
SOFI

Over the past 12 months, TIFA has underperformed SOFI, delivering a return of -34% compared to the SOFI's +37% growth.

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

TIFA Intrinsic Value
248.71 IDR
Overvaluation 32%
Intrinsic Value
Price
SOFI Intrinsic Value
9.7 USD
Overvaluation 53%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
KDB Tifa Finance Tbk PT
IDX:TIFA
364 IDR
SoFi Technologies Inc
NASDAQ:SOFI
20.74 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
TIFA, SOFI

TIFA
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
KDB Tifa Finance Tbk PT
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
TIFA, SOFI

TIFA
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
KDB Tifa Finance Tbk PT
IDX:TIFA
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

TIFA
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
KDB Tifa Finance Tbk PT
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

TIFA
60.8%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
KDB Tifa Finance Tbk PT
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

TIFA
33.3%
SOFI
13.3%

FCF Margin

TIFA
-8.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
KDB Tifa Finance Tbk PT
SoFi Technologies Inc
Not applicable for financial companies

ROE

TIFA
4.9%
SOFI
5.7%

ROA

TIFA
3.4%
SOFI
1.1%

ROIC

TIFA
5.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
KDB Tifa Finance Tbk PT
SoFi Technologies Inc
Not applicable for financial companies

ROCE

TIFA
7.7%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
KDB Tifa Finance Tbk PT
SoFi Technologies Inc
Not applicable for financial companies

Solvency Comparison

KDB Tifa Finance Tbk PT
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
SoFi Technologies Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
TIFA, SOFI

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TIFA
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Performance Gap
TIFA, SOFI

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

Performance By Year
TIFA, SOFI

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