Fundamental dimension Equity attribute | SOFIPeer $14.57▼-1.35% Cap $18.82BP/E 28.6x QuantScore54/100 | AFRMLeader $70.57▼-2.53% Cap $20.95BP/E 12.4x QuantScore65/100 | ALLYPeer $39.06▼-0.64% Cap $11.88BP/E 8.8x QuantScore44/100 |
|---|---|---|---|
1. QuantScore pillars0–100 per pillar · click a ticker for the factor breakdown | |||
Technical | |||
46/100 |
45/100 |
59/100 |
Valuation Multiples, PEG & DCF upside | 66/100 | 67/100 | 74/100 |
Health Piotroski, Altman Z, leverage & liquidity | 28/100 | 32/100 | 23/100 |
Growth Revenue / earnings growth & margins | 59/100 | 91/100 | 25/100 |
Sentiment Analyst ratings, targets & revisions | 71/100 | 88/100 | 39/100 |
2. Valuation multiples & capital pricingGreen highlight = best-in-class (lowest positive multiple) |
Trailing P/E | 28.6x | 12.4x | 8.8x |
Forward P/E (next FY) | 24.6x | 35.5x | 7.8x |
EV / EBITDA (TTM) | 19.1x | 22.7x | 9.6x |
Price / Sales | 3.4x | 5.0x | 0.7x |
Price / Free Cash Flow | -3.8x | 21.1x | -19.5x |
PEG ratio | -7.57 | 0.00 | 0.05 |
3. Financial health & solvencyLatest filings |
Piotroski F-Score | 5 / 9 | 5 / 9 | 8 / 9 |
Altman Z-Score | -0.41 (Distress) | 1.84 (Grey) | -0.62 (Distress) |
Total debt / equity | 0.31 | 1.79 | 1.67 |
Quick ratio | 0.2x | 12.7x | 0.2x |
Interest coverage | 0.6x | 1.4x | 0.3x |
4. Growth & margins trajectoryLatest fiscal year |
Revenue growth YoY | +28.8% | +22.5% | -25.7% |
Net income growth YoY | -3.5% | +3597.9% | +27.5% |
Gross margin (TTM) | 76.5% | 68.1% | 49.8% |
Operating margin (FY) | 11.0% | 22.1% | 8.6% |
FCF margin (FY) | -83.5% | 25.1% | -5.3% |
5. Trailing price performancePrice change over period |
1M return | -13.0% | -2.1% | +0.8% |
3M return | -11.2% | -0.2% | -9.0% |
6M return | -20.7% | +10.0% | -11.6% |
Year to date | -44.2% | -5.8% | -13.8% |
1Y return | -49.6% | -7.0% | -6.6% |
3Y return | +98.0% | +258.3% | +71.6% |
6. DCF valuation & street consensusDCF model · analyst consensus |
DCF model fair value | $15.68 +7.6% upside | $-94.94 -234.5% premium | $-98.69 -352.7% premium |
Wall Street consensus target | $20.83 +43.0% · range $15.00–$29.00 | $95.79 +35.7% · range $75.00–$115.00 | $47.44 +21.5% · range $40.00–$56.00 |
Consensus stance | 37% Buy48% Hold15% Sell | 74% Buy26% Hold0% Sell | 63% Buy34% Hold3% Sell |