` Comparison: MOGO, SOFI - Alpha Spread

MOGO
vs
SOFI

Over the past 12 months, MOGO has underperformed SOFI, delivering a return of -18% compared to the SOFI's +62% growth.

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

MOGO Intrinsic Value
6.49 CAD
Undervaluation 75%
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
Mogo Inc
TSX:MOGO
1.6 CAD
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
MOGO, SOFI

MOGO
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
Mogo Inc
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
MOGO, SOFI

MOGO
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
Mogo Inc
TSX:MOGO
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

MOGO
95.1%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Mogo Inc
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

MOGO
-3.9%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Mogo Inc
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

MOGO
10.9%
SOFI
19.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Mogo Inc
SoFi Technologies Inc

FCF Margin

MOGO
-5%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Mogo Inc
SoFi Technologies Inc
Not applicable for financial companies

ROE

MOGO
10.2%
SOFI
8.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Mogo Inc
SoFi Technologies Inc

ROA

MOGO
4.2%
SOFI
1.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Mogo Inc
SoFi Technologies Inc

ROIC

MOGO
-1.9%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Mogo Inc
SoFi Technologies Inc
Not applicable for financial companies

ROCE

MOGO
-1.7%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
Mogo Inc
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
MOGO, SOFI

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MOGO
SOFI
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Performance Gap
MOGO, SOFI

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

Performance By Year
MOGO, SOFI

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SOFI
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