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

Over the past 12 months, FCH has outperformed SOFI, delivering a return of +49% compared to the SOFI's +37% growth.

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

FCH 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
Funding Circle Holdings PLC
LSE:FCH
156.4 GBX
SoFi Technologies Inc
NASDAQ:SOFI
20.74 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
FCH, SOFI

FCH
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
Funding Circle Holdings PLC
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
FCH, SOFI

FCH
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
Funding Circle Holdings PLC
LSE:FCH
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

FCH
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Funding Circle Holdings PLC
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

FCH
4.9%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Funding Circle Holdings PLC
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

FCH
14.9%
SOFI
13.3%

FCF Margin

FCH
-32.3%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Funding Circle Holdings PLC
SoFi Technologies Inc
Not applicable for financial companies

ROE

FCH
12.6%
SOFI
5.7%

ROA

FCH
7.1%
SOFI
1.1%

ROIC

FCH
4.6%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Funding Circle Holdings PLC
SoFi Technologies Inc
Not applicable for financial companies

ROCE

FCH
4%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Funding Circle Holdings PLC
SoFi Technologies Inc
Not applicable for financial companies

Solvency Comparison

Funding Circle Holdings PLC
Equity Waterfall
Assets
Liabilities
Equity
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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
FCH, SOFI

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FCH
SOFI
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Performance Gap
FCH, SOFI

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

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FCH
SOFI
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