` Comparison: GSY, SOFI - Alpha Spread

GSY
vs
SOFI

Over the past 12 months, GSY has underperformed SOFI, delivering a return of -24% compared to the SOFI's +55% growth.

Valuation Growth Profitability Solvency Stocks Performance
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GSY
SOFI
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Stocks Compared:
GSY SOFI
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Valuation Comparison

GSY Intrinsic Value
257.31 CAD
Undervaluation 52%
Intrinsic Value
Price
SOFI Intrinsic Value
15.41 USD
Overvaluation 40%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
goeasy Ltd
TSX:GSY
123.61 CAD
SoFi Technologies Inc
NASDAQ:SOFI
25.82 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
GSY, SOFI

GSY
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
goeasy 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
GSY, SOFI

GSY
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
goeasy Ltd
TSX:GSY
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

GSY
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
goeasy Ltd
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

GSY
38.5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
goeasy Ltd
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

GSY
14.1%
SOFI
19.3%
LTM 3Y Avg 5Y Avg 10Y Avg
goeasy Ltd
SoFi Technologies Inc

FCF Margin

GSY
-40.6%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
goeasy Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROE

GSY
19.2%
SOFI
8.6%
LTM 3Y Avg 5Y Avg 10Y Avg
goeasy Ltd
SoFi Technologies Inc

ROA

GSY
4.2%
SOFI
1.6%
LTM 3Y Avg 5Y Avg 10Y Avg
goeasy Ltd
SoFi Technologies Inc

ROIC

GSY
9.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
goeasy Ltd
SoFi Technologies Inc
Not applicable for financial companies

ROCE

GSY
12%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
goeasy 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
GSY, SOFI

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Performance Gap
GSY, SOFI

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

Performance By Year
GSY, SOFI

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