COMP <GO>
SOFI vs BAC // GROSS PROFIT MARGIN
SoFi Technologies Inc. Common Stock (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: SOFI 6
— BAC 8
▲ GROSS PROFIT MARGIN LEADER: BAC
LAST: $16.76 (-4.83%) • MKT CAP: $22.74B
gross-margins
1.70%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
gross-margins
41.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SOFI VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SOFI | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | 1.70% | 41.00% | -39.30 | BAC | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.10% | 2.50% | -0.40 | BAC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 56.8x | 30.2x | +26.60 | BAC | /valuation <GO> |
| Free Cash Flow Yield | -16.58% | 2.10% | -18.68 | BAC | /fcf-yield <GO> |
| Operating Margin | 75.00% | 32.90% | +42.10 | SOFI | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 27.00% | +41.00 | SOFI | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 6.80% | +16.30 | SOFI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.51 | 0.45 | +0.06 | SOFI | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 7/9 | -4.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.30% | 6.60% | +0.70 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.0 | 27.7 | +29.30 | SOFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.13 | 0.90 | +0.23 | SOFI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 39.7x | 10.9x | +28.80 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $22.74B | $357.61B | -$334.86B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SOFI REV | BAC REV | SOFI GROSS % | BAC GROSS % | SOFI FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $619.4M | $113.10B | 1.7% | 44.0% | -$3.77B | $7.52B |
| FY 2024 | $503.1M | $105.86B | 8.2% | 44.0% | -$1.14B | -$13.57B |
| FY 2023 | $421.5M | $102.77B | 44.0% | 44.0% | -$7.25B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SOFI // BETA 1.13
BAC // BETA 0.90