COMP <GO>
SOFI vs JPM // ALTMAN Z-SCORE & DEBT/EQUITY
SoFi Technologies Inc. (NASDAQ) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: SOFI 7
— JPM 5
■ METRIC PARITY
LAST: $16.76 (-4.83%) • MKT CAP: $22.74B
balance-sheet
—
LAST: $337.04 (-1.90%) • MKT CAP: $913.30B
balance-sheet
0.37
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SOFI VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SOFI | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.10% | 17.37% | -15.27 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 56.8x | 9.7x | +47.13 | JPM | /valuation <GO> |
| Free Cash Flow Yield | -16.58% | -18.14% | +1.56 | SOFI | /fcf-yield <GO> |
| Operating Margin | 75.00% | 42.07% | +32.93 | SOFI | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 32.63% | +35.37 | SOFI | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 13.53% | +9.57 | SOFI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.96% | -1.96 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | 0.37 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 2/9 | +1.00 | SOFI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.84% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.1 | 55.1 | +7.00 | SOFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.13 | 1.00 | +0.13 | SOFI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 39.7x | 13.3x | +26.43 | JPM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $22.74B | $913.30B | -$890.56B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SOFI REV | JPM REV | SOFI GROSS % | JPM GROSS % | SOFI FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $619.4M | $182.45B | — | — | -$3.77B | -$147.78B |
| FY 2024 | $503.1M | $177.56B | — | — | -$1.14B | -$42.01B |
| FY 2023 | $421.5M | $158.10B | — | — | -$7.25B | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SOFI // BETA 1.13
JPM // BETA 1.00