WallStSmart

Capital One Financial Corporation (COF)vsSoFi Technologies Inc. (SOFI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Capital One Financial Corporation generates 815% more annual revenue ($32.78B vs $3.58B). SOFI leads profitability with a 13.4% profit margin vs 7.5%. COF appears more attractively valued with a PEG of 0.19. COF earns a higher WallStSmart Score of 75/100 (B+).

COF

Strong Buy

75

out of 100

Grade: B+

Growth: 9.3Profit: 6.5Value: 4.7Quality: 5.0

SOFI

Buy

58

out of 100

Grade: C

Growth: 7.3Profit: 7.0Value: 7.3Quality: 7.0
Piotroski: 4/9Altman Z: 0.45
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

COFSignificantly Overvalued (-50.8%)

Margin of Safety

-50.8%

Fair Value

$142.20

Current Price

$179.67

$37.47 premium

UndervaluedFair: $142.20Overvalued
SOFISignificantly Overvalued (-609.1%)

Margin of Safety

-609.1%

Fair Value

$2.65

Current Price

$17.18

$14.53 premium

UndervaluedFair: $2.65Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

COF6 strengths · Avg: 9.2/10
PEG RatioValuation
0.1910/10

Growing faster than its price suggests

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
51.6%10/10

Revenue surging 51.6% year-over-year

Market CapQuality
$114.07B9/10

Large-cap with strong market position

Operating MarginProfitability
22.9%8/10

Strong operational efficiency at 22.9%

EPS GrowthGrowth
22.2%8/10

Earnings expanding 22.2% YoY

SOFI3 strengths · Avg: 9.0/10
Revenue GrowthGrowth
40.2%10/10

Revenue surging 40.2% year-over-year

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

COF3 concerns · Avg: 2.7/10
Return on EquityProfitability
2.4%3/10

ROE of 2.4% — below average capital efficiency

Profit MarginProfitability
7.5%3/10

7.5% margin — thin

P/E RatioValuation
54.6x2/10

Premium valuation, high expectations priced in

SOFI4 concerns · Avg: 2.3/10
Return on EquityProfitability
5.7%3/10

ROE of 5.7% — below average capital efficiency

P/E RatioValuation
45.2x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-57.0%2/10

Earnings declined 57.0%

Free Cash FlowQuality
$-1.06B2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : COF

The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 51.6% demonstrates continued momentum. PEG of 0.19 suggests the stock is reasonably priced for its growth.

Bull Case : SOFI

The strongest argument for SOFI centers on Revenue Growth, Debt/Equity, Price/Book. Revenue growth of 40.2% demonstrates continued momentum. PEG of 1.36 suggests the stock is reasonably priced for its growth.

Bear Case : COF

The primary concerns for COF are Return on Equity, Profit Margin, P/E Ratio. A P/E of 54.6x leaves little room for execution misses.

Bear Case : SOFI

The primary concerns for SOFI are Return on Equity, P/E Ratio, EPS Growth. A P/E of 45.2x leaves little room for execution misses.

Key Dynamics to Monitor

COF profiles as a hypergrowth stock while SOFI is a growth play — different risk/reward profiles.

SOFI carries more volatility with a beta of 2.26 — expect wider price swings.

COF is growing revenue faster at 51.6% — sustainability is the question.

COF generates stronger free cash flow (6.7B), providing more financial flexibility.

Bottom Line

COF scores higher overall (75/100 vs 58/100) and 51.6% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Capital One Financial Corporation

FINANCIAL SERVICES · CREDIT SERVICES · USA

Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.

SoFi Technologies Inc.

FINANCIAL SERVICES · CREDIT SERVICES · USA

SoFi Technologies, Inc. provides digital financial services. The company is headquartered in San Francisco, California.

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