` Comparison: ISCD vs SOFI - Alpha Spread
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I
ISCD
vs
SOFI

Over the past 12 months, ISCD has underperformed SOFI, delivering a return of -2% compared to the SOFI's +37% growth.

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ISCD
SOFI
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Stocks Compared:
ISCD SOFI
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Valuation Comparison

ISCD 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
I
Isracard Ltd
TASE:ISCD
1 627 ILS
SoFi Technologies Inc
NASDAQ:SOFI
20.74 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
ISCD, SOFI

ISCD
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
I
Isracard 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
ISCD, SOFI

ISCD
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
I
Isracard Ltd
TASE:ISCD
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ISCD
94.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
I
Isracard Ltd
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

ISCD
15.2%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
I
Isracard Ltd
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

ISCD
-1.5%
SOFI
13.3%
LTM 3Y Avg 5Y Avg 10Y Avg
I
Isracard Ltd
SoFi Technologies Inc

FCF Margin

ISCD
4.3%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
I
Isracard Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROE

ISCD
-1.7%
SOFI
5.7%
LTM 3Y Avg 5Y Avg 10Y Avg
I
Isracard Ltd
SoFi Technologies Inc

ROA

ISCD
-0.2%
SOFI
1.1%
LTM 3Y Avg 5Y Avg 10Y Avg
I
Isracard Ltd
SoFi Technologies Inc

ROIC

ISCD
-26.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
I
Isracard Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROCE

ISCD
-21.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
I
Isracard Ltd
SoFi Technologies Inc
Not applicable for financial companies

Solvency Comparison

I
Isracard Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
SoFi Technologies Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ISCD, SOFI

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ISCD
SOFI
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Performance Gap
ISCD, SOFI

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

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ISCD
SOFI
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