` Comparison: SBFC vs SOFI - Alpha Spread
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S
SBFC
vs
SOFI

Over the past 12 months, SBFC has underperformed SOFI, delivering a return of +6% compared to the SOFI's +40% growth.

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SBFC
SOFI
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Stocks Compared:
SBFC SOFI
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Valuation Comparison

S
SBFC Intrinsic Value
151.8 INR
Undervaluation 41%
Intrinsic Value
Price
SOFI Intrinsic Value
9.7 USD
Overvaluation 53%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
S
SBFC Finance Ltd
NSE:SBFC
90.03 INR
SoFi Technologies Inc
NASDAQ:SOFI
20.73 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
SBFC, SOFI

SBFC
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
S
SBFC Finance 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
SBFC, SOFI

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

Gross Margin

SBFC
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
S
SBFC Finance Ltd
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

SBFC
74.2%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
S
SBFC Finance Ltd
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

SBFC
26.9%
SOFI
13.3%

FCF Margin

SBFC
-95%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
S
SBFC Finance Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROE

SBFC
13.2%
SOFI
5.7%

ROA

SBFC
4.9%
SOFI
1.1%

ROIC

SBFC
10.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
S
SBFC Finance Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROCE

SBFC
13.4%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
S
SBFC Finance Ltd
SoFi Technologies Inc
Not applicable for financial companies

Solvency Comparison

S
SBFC Finance 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
SBFC, SOFI

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SBFC
SOFI
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Performance Gap
SBFC, SOFI

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SBFC
SOFI
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
SBFC, SOFI

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SBFC
SOFI
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