` Comparison: SOFI, COF - Alpha Spread

SOFI
vs
COF

Over the past 12 months, SOFI has significantly outperformed COF, delivering a return of +85% compared to the COF's +22% growth.

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SOFI
COF
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Stocks Compared:
SOFI COF
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Valuation Comparison

SOFI Intrinsic Value
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COF Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
SoFi Technologies Inc
NASDAQ:SOFI
29.6 USD
Capital One Financial Corp
NYSE:COF
229.71 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SOFI, COF

SOFI
COF
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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
Capital One Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
SOFI, COF

SOFI
COF
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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
Capital One Financial Corp
NYSE:COF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SOFI
COF
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Capital One Financial Corp
Not applicable for financial companies

Operating Margin

SOFI
COF
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Capital One Financial Corp
Not applicable for financial companies

Net Margin

SOFI
19.3%
COF
2.3%

FCF Margin

SOFI
COF
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Capital One Financial Corp
Not applicable for financial companies

ROE

SOFI
8.6%
COF
1.2%

ROA

SOFI
1.6%
COF
0.2%

ROIC

SOFI
COF
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Capital One Financial Corp
Not applicable for financial companies

ROCE

SOFI
COF
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Capital One Financial Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SOFI, COF

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SOFI
COF
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Performance Gap
SOFI, COF

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

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SOFI
COF
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