Relative Valuation Lab

Implied price gap for SoFi Technologies, Inc. vs Ally Financial Inc.

Live view of SEC fundamentals with peer-based benchmarks and implied valuation gaps.

Implied price

Blend averages both multiples when available.

Current vs implied

Current

$26.13

Implied

$9.46

If SoFi Technologies, Inc. traded at Ally Financial Inc. P/E multiple, the stock price would be $9.46 (vs $26.13).

-63.8% (-$16.67)

Implied from P/E

$9.46

Implied from P/S

$0.75

Implied price calculator

Apply the selected peer multiple to the target fundamentals.

Target company

SOFI

Benchmark peer

ALLY

SoFi Technologies, Inc. fundamentals

Current price

$26.13

EPS (TTM)

0.39

Rev / share

0.46

Ally Financial Inc. multiples

P/E multiple

24.25x

P/S multiple

1.64x

Growth vs value matrix

Bottom-right quadrant is the sweet spot: high growth, low valuation.

EV/Revenue vs growth

Smart diff metrics

Highlight the winner and flag when premiums are justified.

Metric	SOFI	Delta vs ALLY	ALLY	Context
Revenue growth (LTM)	19.4%	4923.3% higher	-0.4%	Growth edge
Gross margin	8.2%	N/A	—	Pricing power
EBITDA margin	442.7%	139.8% higher	184.6%	Operating leverage
EV/Revenue	63.48x	417102.0% higher	0.02x	Multiple premium
P/E	67.79x	179.6% higher	24.25x	Premium justified
Net debt / EBITDA	1.3	250.5% higher	-0.9	Lower leverage

Football field valuation

See where SoFi Technologies, Inc. trades vs valuation ranges.

Peer implied

$0.75 - $21.48

Historical band

$23.80 - $29.08

DCF range

$86.33 - $116.79

Value trap detector

Quality signals that explain why a cheap stock might stay cheap.

Piotroski F-Score

Financial strength (0-9).

SoFi Technologies, Inc.2/9

Partial coverage: 7/9 checks

Ally Financial Inc.4/9

Partial coverage: 7/9 checks

Altman Z-Score

Bankruptcy risk gauge.

SoFi Technologies, Inc.: not enough data yet.

Ally Financial Inc.: not enough data yet.

Enterprise value bridge

Market cap + debt - cash = EV.

Enterprise value$31.9B

Market cap $29.0BDebt $5.5BCash -$2.5B

Risk factor diff (10-K Item 1A)

Unique risks that explain valuation discounts.

SEC text parsing is not configured yet. Connect 10-K text ingestion to compare Item 1A risk factors.

MD&A sentiment pulse

Tracks uncertainty language that often precedes multiple compression.

No MD&A sentiment data found. Enable the filing text analyzer to populate this chart.

SOFI CIK: 1818874

ALLY CIK: 40729

Relative Valuation Lab

Implied price gap for SoFi Technologies, Inc. vs Ally Financial Inc.

Live view of SEC fundamentals with peer-based benchmarks and implied valuation gaps.

Implied price

Blend averages both multiples when available.

Current vs implied

Current

$26.13

Implied

$9.46

If SoFi Technologies, Inc. traded at Ally Financial Inc. P/E multiple, the stock price would be $9.46 (vs $26.13).

-63.8% (-$16.67)

Implied from P/E

$9.46

Implied from P/S

$0.75

Implied price calculator

Apply the selected peer multiple to the target fundamentals.

Target company

SOFI

Benchmark peer

ALLY

SoFi Technologies, Inc. fundamentals

Current price

$26.13

EPS (TTM)

0.39

Rev / share

0.46

Ally Financial Inc. multiples

P/E multiple

24.25x

P/S multiple

1.64x

Growth vs value matrix

Bottom-right quadrant is the sweet spot: high growth, low valuation.

EV/Revenue vs growth

Smart diff metrics

Highlight the winner and flag when premiums are justified.

Metric	SOFI	Delta vs ALLY	ALLY	Context
Revenue growth (LTM)	19.4%	4923.3% higher	-0.4%	Growth edge
Gross margin	8.2%	N/A	—	Pricing power
EBITDA margin	442.7%	139.8% higher	184.6%	Operating leverage
EV/Revenue	63.48x	417102.0% higher	0.02x	Multiple premium
P/E	67.79x	179.6% higher	24.25x	Premium justified
Net debt / EBITDA	1.3	250.5% higher	-0.9	Lower leverage

Football field valuation

See where SoFi Technologies, Inc. trades vs valuation ranges.

Peer implied

$0.75 - $21.48

Historical band

$23.80 - $29.08

DCF range

$86.33 - $116.79

Value trap detector

Quality signals that explain why a cheap stock might stay cheap.

Piotroski F-Score

Financial strength (0-9).

SoFi Technologies, Inc.2/9

Partial coverage: 7/9 checks

Ally Financial Inc.4/9

Partial coverage: 7/9 checks

Altman Z-Score

Bankruptcy risk gauge.

SoFi Technologies, Inc.: not enough data yet.

Ally Financial Inc.: not enough data yet.

Enterprise value bridge

Market cap + debt - cash = EV.

Enterprise value$31.9B

Market cap $29.0BDebt $5.5BCash -$2.5B

Risk factor diff (10-K Item 1A)

Unique risks that explain valuation discounts.

SEC text parsing is not configured yet. Connect 10-K text ingestion to compare Item 1A risk factors.

MD&A sentiment pulse

Tracks uncertainty language that often precedes multiple compression.

No MD&A sentiment data found. Enable the filing text analyzer to populate this chart.

SOFI CIK: 1818874

ALLY CIK: 40729