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Screener Weekly Summary Pricing

SoFi Technologies, Inc. (SOFI) vs Visa Inc. (V)

SoFi Technologies, Inc. and Visa Inc. are both Credit Services companies. Visa Inc. is the larger, with a market value of $686.4B against $21.8B — 31.5× the size. Visa Inc. trades at the lower P/E: 30.1× against 32.5×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 34.1% against 14.4%. Visa Inc. has the higher net margin (50.8% vs 11.4%) and the higher return on invested capital (38.0% vs 4.26%). Across the 20 metrics below, Visa Inc. leads on 13 and SoFi Technologies, Inc. on 7.

Valuation

Metric SOFI V Credit Services median
P/E 32.51 30.09 9.64
P/S 3.81 14.71 0.87
P/B 1.92 18.88 1.16
Price to free cash flow n/m 31.14 2.99
EV/EBITDA n/m 23.41 9.58
EV/Sales 3.77 14.91 2.32
Earnings yield 3.08% 3.32% 6.72%
Free cash flow yield (41.33%) 3.21% 12.33%

Profitability

Metric SOFI V Credit Services median
Gross margin 77.13% 100.00% 77.13%
Operating margin 0.00% 60.68% 0.34%
Net margin 11.39% 50.78% 9.25%
Free cash flow margin (157.63%) 47.23% 13.03%
Return on equity 7.09% 62.36% 8.49%
Return on assets 1.25% 23.22% 2.29%
Return on invested capital 4.26% 38.04% 4.09%

Growth

Metric SOFI V Credit Services median
Revenue growth (TTM) 34.08% 14.39% 4.62%
EPS growth (last fiscal year) 0.00% 4.83% —
Revenue growth, 5-year CAGR 44.73% 12.86% 9.13%
Net income growth, 5-year CAGR 0.00% 13.04% 0.00%

Health

Metric SOFI V Credit Services median
Debt to equity 0.30 0.68 0.68
Current ratio 0.74 0.99 1.55
Net debt to EBITDA 0.00 0.13 0.13

Dividend

Metric SOFI V Credit Services median
Dividend yield — 0.78% 3.34%
Payout ratio 0.00 0.22 0.00

Size

Metric SOFI V Credit Services median
Market cap 21.79b 686.42b 872.19m

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