COMP <GO>
SOFI vs EFX // RSI-14 & 200D SMA MOMENTUM
SoFi Technologies Inc. (NASDAQ) VS. Equifax Inc. (NYSE) • 15-METRIC TALLY: SOFI 6
— EFX 6
▲ RSI-14 & 200D SMA MOMENTUM LEADER: SOFI
LAST: $16.76 (-4.83%) • MKT CAP: $22.74B
rsi-technicals
62.1
LAST: $184.60 (+2.90%) • MKT CAP: $20.99B
rsi-technicals
61.1
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SOFI VS. EFX)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SOFI | EFX | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.10% | 10.20% | -8.10 | EFX | /roic <GO> |
| EV/EBITDA & P/E Valuation | 56.8x | 18.7x | +38.10 | EFX | /valuation <GO> |
| Free Cash Flow Yield | -16.58% | 6.39% | -22.97 | EFX | /fcf-yield <GO> |
| Operating Margin | 75.00% | 18.00% | +57.00 | SOFI | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 10.90% | +57.10 | SOFI | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 6.90% | +16.20 | SOFI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.11% | -1.11 | EFX | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 8/9 | -5.00 | EFX | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum ACTIVE | 62.1 | 61.1 | +1.00 | SOFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.13 | 1.11 | +0.02 | SOFI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 39.7x | 29.6x | +10.10 | EFX | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $22.74B | $20.99B | $1.75B | SOFI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SOFI REV | EFX REV | SOFI GROSS % | EFX GROSS % | SOFI FCF | EFX FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $619.4M | $6.07B | — | — | -$3.77B | $1.34B |
| FY 2024 | $503.1M | $5.68B | — | — | -$1.14B | $1.07B |
| FY 2023 | $421.5M | $5.27B | — | — | -$7.25B | $879.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SOFI // BETA 1.13
EFX // BETA 1.11