` Comparison: VAL.P vs SOFI - Alpha Spread
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V
VAL.P
vs
SOFI

Over the past 12 months, VAL.P has underperformed SOFI, delivering a return of -56% compared to the SOFI's +21% growth.

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VAL.P
SOFI
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Stocks Compared:
VAL.P SOFI
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Valuation Comparison

VAL.P 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
V
Valencia Capital Inc
XTSX:VAL.P
0.035 CAD
SoFi Technologies Inc
NASDAQ:SOFI
19.57 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
VAL.P, SOFI

VAL.P
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
V
Valencia Capital 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
VAL.P, SOFI

VAL.P
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
V
Valencia Capital Inc
XTSX:VAL.P
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

VAL.P
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
V
Valencia Capital Inc
SoFi Technologies Inc
Not applicable for financial companies

Operating Margin

VAL.P
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
V
Valencia Capital Inc
SoFi Technologies Inc
Not applicable for financial companies

Net Margin

VAL.P
0%
SOFI
13.3%

FCF Margin

VAL.P
0%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
V
Valencia Capital Inc
SoFi Technologies Inc
Not applicable for financial companies

ROE

VAL.P
-18.4%
SOFI
5.7%

ROA

VAL.P
-17.2%
SOFI
1.1%

ROIC

VAL.P
-40%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
V
Valencia Capital Inc
SoFi Technologies Inc
Not applicable for financial companies

ROCE

VAL.P
-18.4%
SOFI
LTM 3Y Avg 5Y Avg 10Y Avg
V
Valencia Capital Inc
SoFi Technologies Inc
Not applicable for financial companies

Solvency Comparison

V
Valencia Capital Inc
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
VAL.P, SOFI

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VAL.P
SOFI
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Performance Gap
VAL.P, SOFI

Performance Gap Between VAL.P and SOFI
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Performance By Year
VAL.P, SOFI

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VAL.P
SOFI
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