` Comparison: ICAP vs SOFI - Alpha Spread

I
ICAP
vs
SOFI

Over the past 12 months, ICAP has underperformed SOFI, delivering a return of -4% compared to the SOFI's +19% growth.

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ICAP
SOFI
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Valuation Comparison

ICAP 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
I
IcapitalBiz Bhd
KLSE:ICAP
2.61 MYR
SoFi Technologies Inc
NASDAQ:SOFI
19.33 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ICAP, SOFI

ICAP
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
I
IcapitalBiz Bhd
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
ICAP, SOFI

ICAP
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
I
IcapitalBiz Bhd
KLSE:ICAP
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ICAP
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
I
IcapitalBiz Bhd
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

ICAP
24.2%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
I
IcapitalBiz Bhd
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

ICAP
20.6%
SOFI
13.3%
LTM 3Y Avg 5Y Avg 10Y Avg
I
IcapitalBiz Bhd
SoFi Technologies Inc

FCF Margin

ICAP
111%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
I
IcapitalBiz Bhd
SoFi Technologies Inc
Not applicable for financial companies

ROE

ICAP
0.6%
SOFI
5.7%
LTM 3Y Avg 5Y Avg 10Y Avg
I
IcapitalBiz Bhd
SoFi Technologies Inc

ROA

ICAP
0.6%
SOFI
1.1%
LTM 3Y Avg 5Y Avg 10Y Avg
I
IcapitalBiz Bhd
SoFi Technologies Inc

ROIC

ICAP
0.7%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
I
IcapitalBiz Bhd
SoFi Technologies Inc
Not applicable for financial companies

ROCE

ICAP
0.7%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
I
IcapitalBiz Bhd
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
ICAP, SOFI

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Performance Gap
ICAP, SOFI

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

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ICAP
SOFI
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