` Comparison: LC, SOFI - Alpha Spread

LC
vs
SOFI

Over the past 12 months, LC has underperformed SOFI, delivering a return of +11% compared to the SOFI's +62% growth.

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

LC Intrinsic Value
62.5 USD
Undervaluation 68%
Intrinsic Value
Price
SOFI Intrinsic Value
15.4 USD
Overvaluation 44%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
LendingClub Corp
NYSE:LC
19.9 USD
SoFi Technologies Inc
NASDAQ:SOFI
27.28 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
LC, SOFI

LC
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
LendingClub Corp
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
LC, SOFI

LC
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
LendingClub Corp
NYSE:LC
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

LC
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
LendingClub Corp
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

LC
14.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
LendingClub Corp
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

LC
10.9%
SOFI
19.3%

FCF Margin

LC
-226.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
LendingClub Corp
SoFi Technologies Inc
Not applicable for financial companies

ROE

LC
7.4%
SOFI
8.6%

ROA

LC
0.9%
SOFI
1.6%

ROIC

LC
1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
LendingClub Corp
SoFi Technologies Inc
Not applicable for financial companies

ROCE

LC
9.8%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
LendingClub Corp
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
LC, SOFI

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LC
SOFI
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
LC, SOFI

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

Performance By Year
LC, SOFI

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SOFI
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