COMP <GO>
SOFI vs MS // FREE CASH FLOW YIELD
SoFi Technologies Inc. (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: SOFI 5
— MS 7
▲ FREE CASH FLOW YIELD LEADER: MS
LAST: $17.61 (+2.74%) • MKT CAP: $22.74B
fcf-yield
-16.58%
LAST: $190.00 (-0.07%) • MKT CAP: $298.41B
fcf-yield
-7.25%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SOFI VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SOFI | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.10% | 3.00% | -0.90 | MS | /roic <GO> |
| EV/EBITDA & P/E Valuation | 56.8x | 31.0x | +25.80 | MS | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | -16.58% | -7.25% | -9.33 | MS | /fcf-yield <GO> |
| Operating Margin | 75.00% | 24.60% | +50.40 | SOFI | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | SOFI | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 5.50% | +17.60 | SOFI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.21% | -2.21 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 5/9 | -2.00 | MS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.1 | 51.0 | +11.10 | SOFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.13 | 1.04 | +0.09 | SOFI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 39.7x | 16.5x | +23.20 | MS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $22.74B | $298.41B | -$275.66B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SOFI REV | MS REV | SOFI GROSS % | MS GROSS % | SOFI FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $619.4M | $0 | — | — | -$3.77B | -$17.89B |
| FY 2024 | $503.1M | $0 | — | — | -$1.14B | $1.36B |
| FY 2023 | $421.5M | $0 | — | — | -$7.25B | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SOFI // BETA 1.13
MS // BETA 1.04