` Comparison: SOFI vs BAJFINANCE - Alpha Spread

SOFI
vs
BAJFINANCE

Over the past 12 months, SOFI has significantly outperformed BAJFINANCE, delivering a return of +39% compared to the BAJFINANCE's +18% growth.

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SOFI
BAJFINANCE
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Valuation Comparison

SOFI Intrinsic Value
12.07 USD
Overvaluation 35%
Intrinsic Value
Price
BAJFINANCE Intrinsic Value
892.24 INR
Overvaluation 6%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
SoFi Technologies Inc
NASDAQ:SOFI
18.63 USD
Bajaj Finance Ltd
NSE:BAJFINANCE
952.45 INR
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SOFI, BAJFINANCE

SOFI
BAJFINANCE
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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
SoFi Technologies Inc
Revenue
Bajaj Finance Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
SOFI, BAJFINANCE

SOFI
BAJFINANCE
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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
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

SOFI
BAJFINANCE
60.5%
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Bajaj Finance Ltd

Operating Margin

SOFI
BAJFINANCE
43.2%
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Bajaj Finance Ltd

Net Margin

SOFI
13.3%
BAJFINANCE
22.9%

FCF Margin

SOFI
BAJFINANCE
-83.6%
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Bajaj Finance Ltd

ROE

SOFI
5.7%
BAJFINANCE
19%

ROA

SOFI
1.1%
BAJFINANCE
3.9%

ROIC

SOFI
BAJFINANCE
5.8%
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Bajaj Finance Ltd

ROCE

SOFI
BAJFINANCE
8.7%
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Bajaj Finance Ltd

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SOFI, BAJFINANCE

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SOFI
BAJFINANCE
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Performance Gap
SOFI, BAJFINANCE

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SOFI
BAJFINANCE
Difference
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Performance By Year
SOFI, BAJFINANCE

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SOFI
BAJFINANCE
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett