COMP <GO>
SOFI vs HSBC // FORWARD P/E MULTIPLE
SoFi Technologies Inc. Common Stock (NASDAQ) VS. HSBC Holdings plc. (NYSE) • 15-METRIC TALLY: SOFI 4
— HSBC 9
▲ FORWARD P/E MULTIPLE LEADER: HSBC
LAST: $16.76 (-4.83%) • MKT CAP: $22.74B
forward-pe
39.7x
LAST: $85.42 (-1.36%) • MKT CAP: $297.33B
forward-pe
27.6x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SOFI VS. HSBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SOFI | HSBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 1.70% | 41.00% | -39.30 | HSBC | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.10% | 9.90% | -7.80 | HSBC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 56.8x | 21.0x | +35.80 | HSBC | /valuation <GO> |
| Free Cash Flow Yield | -16.58% | 2.21% | -18.79 | HSBC | /fcf-yield <GO> |
| Operating Margin | 75.00% | 13.90% | +61.10 | SOFI | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 10.90% | +57.10 | SOFI | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 23.10% | 0.00 | TIE | /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 | 3.74 | -3.23 | HSBC | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 8/9 | -5.00 | HSBC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.30% | 6.60% | +0.70 | HSBC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.0 | 25.0 | +31.97 | SOFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.13 | 0.92 | +0.21 | SOFI | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | 39.7x | 27.6x | +12.10 | HSBC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $22.74B | $297.33B | -$274.58B | HSBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SOFI REV | HSBC REV | SOFI GROSS % | HSBC GROSS % | SOFI FCF | HSBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $619.4M | — | 1.7% | — | -$3.77B | — |
| FY 2024 | $503.1M | — | 8.2% | — | -$1.14B | — |
| FY 2023 | $421.5M | — | 44.0% | — | -$7.25B | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SOFI // BETA 1.13
HSBC // BETA 0.92