COMP <GO>
AFRM vs SOFI // RSI-14 & 200D SMA MOMENTUM
Affirm Holdings Inc. (NASDAQ) VS. SoFi Technologies Inc. (NASDAQ) • 15-METRIC TALLY: AFRM 4
— SOFI 5
▲ RSI-14 & 200D SMA MOMENTUM LEADER: SOFI
LAST: $73.47 (-1.83%) • MKT CAP: $25.36B
rsi-technicals
53.2
LAST: $16.76 (-4.83%) • MKT CAP: $22.74B
rsi-technicals
62.1
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AFRM VS. SOFI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AFRM | SOFI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -1.20% | 2.10% | -3.30 | SOFI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 56.8x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.37% | -16.58% | +18.95 | AFRM | /fcf-yield <GO> |
| Operating Margin | -7.80% | 75.00% | -82.80 | SOFI | /operating-margins <GO> |
| Net Profit Margin | 4.70% | 68.00% | -63.30 | SOFI | /net-margins <GO> |
| Revenue Growth (YoY) | 34.90% | 23.10% | +11.80 | AFRM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 3/9 | +5.00 | AFRM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum ACTIVE | 53.2 | 62.1 | -8.90 | SOFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.13 | -0.17 | SOFI | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 39.7x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $25.36B | $22.74B | $2.62B | AFRM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AFRM REV | SOFI REV | AFRM GROSS % | SOFI GROSS % | AFRM FCF | SOFI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.11B | $619.4M | — | — | $601.7M | -$3.77B |
| FY 2024 | $826.0M | $503.1M | — | — | $290.8M | -$1.14B |
| FY 2023 | $626.9M | $421.5M | — | — | -$16.0M | -$7.25B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AFRM // BETA 0.96
SOFI // BETA 1.13