SoFi Technologies Inc. (SOFI)vsSynchrony Financial (SYF)
SOFI
SoFi Technologies Inc.
$17.18
-1.09%
FINANCIAL SERVICES · Cap: $22.48B
SYF
Synchrony Financial
$65.17
+0.03%
FINANCIAL SERVICES · Cap: $23.06B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 172% more annual revenue ($9.76B vs $3.58B). SYF leads profitability with a 36.4% profit margin vs 13.4%. SOFI appears more attractively valued with a PEG of 1.36. SYF earns a higher WallStSmart Score of 71/100 (B).
SOFI
Buy58
out of 100
Grade: C
SYF
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-609.1%
Fair Value
$2.65
Current Price
$17.18
$14.53 premium
Margin of Safety
+59.2%
Fair Value
$178.92
Current Price
$65.17
$113.75 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 40.2% year-over-year
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Every $100 of equity generates 21 in profit
Generating 2.5B in free cash flow
Areas to Watch
ROE of 5.7% — below average capital efficiency
Premium valuation, high expectations priced in
Earnings declined 57.0%
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.4% and operating margin at 48.5%.
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.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, 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 2.26 — expect wider price swings.
SOFI is growing revenue faster at 40.2% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (71/100 vs 58/100), backed by strong 36.4% 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.
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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