Affirm Holdings Inc (AFRM)vsSynchrony Financial (SYF)
AFRM
Affirm Holdings Inc
$71.51
-2.38%
FINANCIAL SERVICES · Cap: $23.95B
SYF
Synchrony Financial
$75.79
-1.79%
FINANCIAL SERVICES · Cap: $24.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 149% more annual revenue ($9.91B vs $3.97B). SYF leads profitability with a 35.5% profit margin vs 9.6%. AFRM appears more attractively valued with a PEG of 0.72. SYF earns a higher WallStSmart Score of 75/100 (B).
AFRM
Buy63
out of 100
Grade: C+
SYF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 32.6% year-over-year
Earnings expanding 3529.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 50.2%
Every $100 of equity generates 21 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
Distress zone — elevated risk
Elevated debt levels
0.6% revenue growth
3.6% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Revenue Growth, EPS Growth, PEG Ratio. Revenue growth of 32.6% demonstrates continued momentum. PEG of 0.72 suggests the stock is reasonably priced for its growth.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 35.5% and operating margin at 50.2%. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : AFRM
The primary concerns for AFRM are P/E Ratio, Altman Z-Score, Debt/Equity. A P/E of 65.0x leaves little room for execution misses. Debt-to-equity of 2.36 is elevated, increasing financial risk.
Bear Case : SYF
The primary concerns for SYF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
AFRM profiles as a hypergrowth stock while SYF is a value play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.67 — expect wider price swings.
AFRM is growing revenue faster at 32.6% — sustainability is the question.
SYF generates stronger free cash flow (2.4B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (75/100 vs 63/100), backed by strong 35.5% margins. 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.
Affirm Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California.
Visit Website →Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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