` Comparison: 8253 vs SOFI - Alpha Spread

8253
vs
SOFI

Over the past 12 months, Credit Saison Co Ltd has outperformed SOFI, delivering a return of +33% compared to the SOFI's +30% growth.

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8253
SOFI
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Valuation Comparison

Credit Saison Co Ltd 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
Credit Saison Co Ltd
TSE:8253
4 772 JPY
SoFi Technologies Inc
NASDAQ:SOFI
17.609 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
8253, SOFI

8253
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
Credit Saison Co 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
8253, SOFI

8253
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
Credit Saison Co Ltd
TSE:8253
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

Credit Saison Co Ltd
86.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Saison Co Ltd
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

Credit Saison Co Ltd
35.9%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Saison Co Ltd
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

Credit Saison Co Ltd
10.8%
SOFI
13.3%

FCF Margin

Credit Saison Co Ltd
-42.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Saison Co Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROE

Credit Saison Co Ltd
7.9%
SOFI
5.7%

ROA

Credit Saison Co Ltd
1.2%
SOFI
1.1%

ROIC

Credit Saison Co Ltd
3%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Saison Co Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROCE

Credit Saison Co Ltd
4.3%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Saison Co 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
8253, SOFI

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Performance Gap
8253, SOFI

Performance Gap Between 8253 and SOFI
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Performance By Year
8253, SOFI

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8253
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