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

Over the past 12 months, ML has underperformed SOFI, delivering a return of -2% compared to the SOFI's +36% growth.

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ML
SOFI
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Stocks Compared:
ML SOFI
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Valuation Comparison

ML 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
MoneyLion Inc
NYSE:ML
85.9 USD
SoFi Technologies Inc
NASDAQ:SOFI
21.04 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
ML, SOFI

ML
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
MoneyLion Inc
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
ML, SOFI

ML
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
MoneyLion Inc
NYSE:ML
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ML
73.2%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
MoneyLion Inc
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

ML
4.9%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
MoneyLion Inc
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

ML
1.7%
SOFI
13.3%

FCF Margin

ML
35.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
MoneyLion Inc
SoFi Technologies Inc
Not applicable for financial companies

ROE

ML
3.3%
SOFI
5.7%

ROA

ML
1.8%
SOFI
1.1%

ROIC

ML
7.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
MoneyLion Inc
SoFi Technologies Inc
Not applicable for financial companies

ROCE

ML
6%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
MoneyLion Inc
SoFi Technologies Inc
Not applicable for financial companies

Solvency Comparison

MoneyLion Inc
Equity Waterfall
Assets
Liabilities
Equity
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SoFi Technologies Inc
Equity Waterfall
Assets
Liabilities
Equity
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ML, SOFI

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ML
SOFI
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Performance Gap
ML, SOFI

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

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ML
SOFI
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