COMP <GO>
EFX vs SOFI // EV/EBITDA & P/E VALUATION
Equifax Inc. (NYSE) VS. SoFi Technologies Inc. (NASDAQ) • 15-METRIC TALLY: EFX 6
— SOFI 6
▲ EV/EBITDA & P/E VALUATION LEADER: EFX
LAST: $184.60 (+2.90%) • MKT CAP: $20.99B
valuation
18.7x
LAST: $16.76 (-4.83%) • MKT CAP: $22.74B
valuation
56.8x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (EFX VS. SOFI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | EFX | SOFI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.20% | 2.10% | +8.10 | EFX | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 18.7x | 56.8x | -38.10 | EFX | /valuation <GO> |
| Free Cash Flow Yield | 6.39% | -16.58% | +22.97 | EFX | /fcf-yield <GO> |
| Operating Margin | 18.00% | 75.00% | -57.00 | SOFI | /operating-margins <GO> |
| Net Profit Margin | 10.90% | 68.00% | -57.10 | SOFI | /net-margins <GO> |
| Revenue Growth (YoY) | 6.90% | 23.10% | -16.20 | SOFI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.11% | 0.00% | +1.11 | EFX | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 3/9 | +5.00 | EFX | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 61.1 | 62.1 | -1.00 | SOFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.11 | 1.13 | -0.02 | SOFI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 29.6x | 39.7x | -10.10 | EFX | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $20.99B | $22.74B | -$1.75B | SOFI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | EFX REV | SOFI REV | EFX GROSS % | SOFI GROSS % | EFX FCF | SOFI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $6.07B | $619.4M | — | — | $1.34B | -$3.77B |
| FY 2024 | $5.68B | $503.1M | — | — | $1.07B | -$1.14B |
| FY 2023 | $5.27B | $421.5M | — | — | $879.9M | -$7.25B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
EFX // BETA 1.11
SOFI // BETA 1.13