` Comparison: 4081 vs SOFI - Alpha Spread

4081
vs
SOFI

Over the past 12 months, Nayifat Finance Co has underperformed SOFI, delivering a return of 0% compared to the SOFI's +30% growth.

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4081
SOFI
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Valuation Comparison

Nayifat Finance Co 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
Nayifat Finance Co
SAU:4081
12.96 SAR
SoFi Technologies Inc
NASDAQ:SOFI
17.609 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
4081, SOFI

4081
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
Nayifat Finance Co
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
4081, SOFI

4081
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
Nayifat Finance Co
SAU:4081
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

Nayifat Finance Co
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Nayifat Finance Co
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

Nayifat Finance Co
43.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Nayifat Finance Co
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

Nayifat Finance Co
27.4%
SOFI
13.3%

FCF Margin

Nayifat Finance Co
11.6%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Nayifat Finance Co
SoFi Technologies Inc
Not applicable for financial companies

ROE

Nayifat Finance Co
6.6%
SOFI
5.7%

ROA

Nayifat Finance Co
4.6%
SOFI
1.1%

ROIC

Nayifat Finance Co
6.4%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Nayifat Finance Co
SoFi Technologies Inc
Not applicable for financial companies

ROCE

Nayifat Finance Co
7.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Nayifat Finance Co
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
4081, SOFI

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Performance Gap
4081, SOFI

Performance Gap Between 4081 and SOFI
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Performance By Year
4081, SOFI

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4081
SOFI
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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