` Comparison: BLND, SOFI - Alpha Spread

B
BLND
vs
SOFI

Over the past 12 months, BLND has underperformed SOFI, delivering a return of +58% compared to the SOFI's +62% growth.

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BLND
SOFI
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Stocks Compared:
BLND SOFI
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Valuation Comparison

BLND 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
B
Blender Financial Technologies Ltd
TASE:BLND
569.6 ILS
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
BLND, SOFI

BLND
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
B
Blender Financial Technologies 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
BLND, SOFI

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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
B
Blender Financial Technologies Ltd
TASE:BLND
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

BLND
69%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blender Financial Technologies Ltd
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

BLND
3.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blender Financial Technologies Ltd
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

BLND
-29.4%
SOFI
19.3%

FCF Margin

BLND
17.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blender Financial Technologies Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROE

BLND
-28.2%
SOFI
8.6%

ROA

BLND
-6%
SOFI
1.6%

ROIC

BLND
0.8%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blender Financial Technologies Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROCE

BLND
1.4%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blender Financial Technologies Ltd
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
BLND, SOFI

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BLND
SOFI
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Performance Gap
BLND, SOFI

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

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BLND
SOFI
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