Affirm Holdings Inc (AFRM)vsSynchrony Financial (SYF)
AFRM
Affirm Holdings Inc
$71.97
-2.19%
FINANCIAL SERVICES · Cap: $24.52B
SYF
Synchrony Financial
$75.18
-2.13%
FINANCIAL SERVICES · Cap: $24.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 130% more annual revenue ($9.78B vs $4.26B). AFRM leads profitability with a 45.3% profit margin vs 34.1%. SYF appears more attractively valued with a PEG of 0.93. AFRM earns a higher WallStSmart Score of 70/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
SYF
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 35 in profit
Keeps 45 of every $100 in revenue as profit
Revenue surging 33.0% year-over-year
Earnings expanding 2187.0% YoY
Attractively priced relative to earnings
Attractively priced relative to earnings
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 49.8%
Every $100 of equity generates 20 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Revenue declined 4.7%
Earnings declined 6.3%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Return on Equity, Profit Margin, Revenue Growth. Profitability is solid with margins at 45.3% and operating margin at 12.6%. Revenue growth of 33.0% demonstrates continued momentum.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 34.1% and operating margin at 49.8%. PEG of 0.93 suggests the stock is reasonably priced for its growth.
Bear Case : AFRM
The primary concerns for AFRM are Debt/Equity, Piotroski F-Score, PEG Ratio. Debt-to-equity of 1.79 is elevated, increasing financial risk.
Bear Case : SYF
The primary concerns for SYF are Debt/Equity, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
AFRM profiles as a growth stock while SYF is a declining play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.82 — expect wider price swings.
AFRM is growing revenue faster at 33.0% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
AFRM scores higher overall (70/100 vs 69/100), backed by strong 45.3% margins and 33.0% revenue growth. 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.
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
Want to dig deeper into these stocks?