` Comparison: ANI vs SOFI - Alpha Spread
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A
ANI
vs
SOFI

Over the past 12 months, ANI has underperformed SOFI, delivering a return of -99% compared to the SOFI's +16% growth.

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ANI
SOFI
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Stocks Compared:
ANI SOFI
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Valuation Comparison

ANI Intrinsic Value
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SOFI Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
A
Afine Investments Ltd
JSE:ANI
4.99 Zac
SoFi Technologies Inc
NASDAQ:SOFI
19.57 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
ANI, SOFI

ANI
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
A
Afine Investments 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
ANI, SOFI

ANI
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
A
Afine Investments Ltd
JSE:ANI
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ANI
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
A
Afine Investments Ltd
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

ANI
90.6%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
A
Afine Investments Ltd
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

ANI
160.3%
SOFI
13.3%

FCF Margin

ANI
96.9%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
A
Afine Investments Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROE

ANI
25.3%
SOFI
5.7%

ROA

ANI
17.9%
SOFI
1.1%

ROIC

ANI
10.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
A
Afine Investments Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROCE

ANI
10.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
A
Afine Investments Ltd
SoFi Technologies Inc
Not applicable for financial companies

Solvency Comparison

A
Afine Investments Ltd
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
ANI, SOFI

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Performance Gap
ANI, SOFI

Performance Gap Between ANI and SOFI
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Performance By Year
ANI, SOFI

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