` Comparison: DIFI, SOFI - Alpha Spread

D
DIFI
vs
SOFI

Over the past 12 months, DIFI has underperformed SOFI, delivering a return of +14% compared to the SOFI's +62% growth.

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DIFI
SOFI
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Stocks Compared:
DIFI SOFI
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Valuation Comparison

D
DIFI Intrinsic Value
103 265.19 ILS
Undervaluation 41%
Intrinsic Value
Price
SOFI Intrinsic Value
15.38 USD
Overvaluation 44%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
D
Direct Finance of Direct Group 2006 Ltd
TASE:DIFI
60 450 ILS
SoFi Technologies Inc
NASDAQ:SOFI
27.28 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
DIFI, SOFI

DIFI
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
D
Direct Finance of Direct Group 2006 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
DIFI, SOFI

DIFI
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
D
Direct Finance of Direct Group 2006 Ltd
TASE:DIFI
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

DIFI
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
D
Direct Finance of Direct Group 2006 Ltd
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

DIFI
22.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
D
Direct Finance of Direct Group 2006 Ltd
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

DIFI
12.3%
SOFI
19.3%

FCF Margin

DIFI
-66.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
D
Direct Finance of Direct Group 2006 Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROE

DIFI
9.6%
SOFI
8.6%

ROA

DIFI
1.4%
SOFI
1.6%

ROIC

DIFI
1.6%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
D
Direct Finance of Direct Group 2006 Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROCE

DIFI
3.8%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
D
Direct Finance of Direct Group 2006 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
DIFI, SOFI

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DIFI
SOFI
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Performance Gap
DIFI, SOFI

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

Performance By Year
DIFI, SOFI

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DIFI
SOFI
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