SoFi Technologies Inc. (SOFI)vsSynchrony Financial (SYF)
SOFI
SoFi Technologies Inc.
$17.65
+1.91%
FINANCIAL SERVICES · Cap: $23.26B
SYF
Synchrony Financial
$75.88
-0.15%
FINANCIAL SERVICES · Cap: $25.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 132% more annual revenue ($9.91B vs $4.27B). SYF leads profitability with a 35.5% profit margin vs 14.9%. SOFI appears more attractively valued with a PEG of 0.66. SYF earns a higher WallStSmart Score of 75/100 (B).
SOFI
Strong Buy70
out of 100
Grade: B
SYF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 42.6% year-over-year
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 40.4% YoY
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
ROE of 5.7% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
0.6% revenue growth
3.6% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SOFI
The strongest argument for SOFI centers on Revenue Growth, PEG Ratio, Price/Book. Revenue growth of 42.6% demonstrates continued momentum. PEG of 0.66 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 0.99 suggests the stock is reasonably priced for its growth.
Bear Case : SOFI
The primary concerns for SOFI are P/E Ratio, Return on Equity, Free Cash Flow.
Bear Case : SYF
The primary concerns for SYF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
SOFI profiles as a growth stock while SYF is a value play — different risk/reward profiles.
SOFI carries more volatility with a beta of 2.21 — expect wider price swings.
SOFI is growing revenue faster at 42.6% — 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 70/100), backed by strong 35.5% margins. Both earn "Strong Buy" and "Strong 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.
SoFi Technologies Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
SoFi Technologies, Inc. provides digital financial services. 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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