COMP <GO>
SOFI vs HOOD // ALTMAN Z-SCORE & DEBT/EQUITY
SoFi Technologies Inc. Common Stock (NASDAQ) VS. Robinhood Markets Inc. (NASDAQ) • 15-METRIC TALLY: SOFI 4
— HOOD 10
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: HOOD
LAST: $16.76 (-4.83%) • MKT CAP: $22.74B
balance-sheet
0.51
LAST: $84.99 (-7.21%) • MKT CAP: $82.48B
balance-sheet
2.18
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SOFI VS. HOOD)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SOFI | HOOD | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 1.70% | 41.00% | -39.30 | HOOD | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.10% | 27.50% | -25.40 | HOOD | /roic <GO> |
| EV/EBITDA & P/E Valuation | 56.8x | 31.7x | +25.10 | HOOD | /valuation <GO> |
| Free Cash Flow Yield | -16.58% | 1.74% | -18.32 | HOOD | /fcf-yield <GO> |
| Operating Margin | 75.00% | 51.40% | +23.60 | SOFI | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 42.10% | +25.90 | SOFI | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 51.60% | -28.50 | HOOD | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 0.51 | 2.18 | -1.67 | HOOD | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 8/9 | -5.00 | HOOD | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.30% | 6.60% | +0.70 | HOOD | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.0 | 29.3 | +27.67 | 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 | 36.8x | +2.90 | HOOD | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $22.74B | $82.48B | -$59.73B | HOOD | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SOFI REV | HOOD REV | SOFI GROSS % | HOOD GROSS % | SOFI FCF | HOOD FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $619.4M | $4.47B | 1.7% | 44.0% | -$3.77B | $1.44B |
| FY 2024 | $503.1M | $2.95B | 8.2% | 44.0% | -$1.14B | -$289.8M |
| FY 2023 | $421.5M | $1.86B | 44.0% | 44.0% | -$7.25B | $1.10B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SOFI // BETA 1.13
HOOD // BETA 0.90