SoFi Technologies, Inc.
—- Market cap
- —
- Debt
- +$39.97B
- Cash
- −$4.93B
Complete market value, debt and cash evidence is required for enterprise value.
Quick read
Fair value engine
Each company valued on the other's multiple, then compared with the market price.
SOFI · price snapshot
—Price unavailable
Implied fair value · at ALLY's multiple
—
Needs ALLY P/E.
ALLY · price snapshot
—Price unavailable
Implied fair value · at SOFI's multiple
—
Needs SOFI P/E.
Metric by metric
Smart diff
Where each company leads, and how wide the gap is.
6 metrics shown
MetricSOFIALLYDifference (SOFI − ALLY)
Revenue growth (YoY)
Growth edge
23.1%
-3.3%
SOFI: higher Revenue growth (YoY) by 26.4 percentage points
Gross margin
Pricing power
1.7%
N/M
Insufficient data
EBITDA margin
Operating leverage
283.1%
95.2%
SOFI: higher EBITDA margin by 188.0 percentage points
EV/Revenue
Lower is better
N/M
N/M
Insufficient data
P/E
Not comparable
N/M
N/M
Not comparable
Net debt / EBITDA
Lower leverage
20.0
1.3
ALLY: lower Net debt / EBITDA by 18.7
Statements
Side-by-side financials
Core statements aligned to each company's latest fiscal year.
Income statement · USDSOFI · FY 2025ALLY · FY 2025Delta
Revenue$619.35M$7.91B−$7.29B
Gross profit$10.36M——
Operating income———
EBITDA$1.75B$7.53B−$5.78B
Net income$481.32M$852.00M−$370.68M
EPS0.42.4−2.0
Revenue growth23.1%-3.3%+26.4 pp
Gross margin1.7%——
Operating margin———
EBITDA margin283.1%95.2%+188.0 pp
Net margin77.7%10.8%+66.9 pp
SEC periods: SOFI FY 2025 (ended Dec 31, 2025) · ALLY FY 2025 (ended Dec 31, 2025).
Trendline
Historical trends
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
SOFIALLY
Price framework
Enterprise value
Market cap plus debt, less cash.
Ally Financial Inc.
—Price framework
Intrinsic value (DCF)
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
SoFi Technologies, Inc. · implied price per share
Latest annual free cash flow must be positive to qualify the filing-backed baseline.
Ally Financial Inc. · implied price per share
Five annual free-cash-flow observations are required for the filing-backed baseline.
Balance sheet health
Solvency
Financial health checks to separate durable balance sheets from potential value traps.
Piotroski F-Score
Financial strength on a 0–9 scale.
2/ 9 · SOFIWeak
5/ 9 · ALLYModerate
Altman Z-Score
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Comparable set
Relative positioning
Where the pair sits against the wider comparable set.
Keep comparing
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