SoFi Technologies, Inc. (SOFI) vs Synchrony Financial (SYF)
- SoFi Technologies, Inc. SOFI 14.55 −3.58%
- Synchrony Financial SYF 73.68 −0.49%
SoFi Technologies, Inc. and Synchrony Financial are both Credit Services companies. Synchrony Financial is the larger, with a market value of $24.1B against $19.5B — 1.2× the size. Synchrony Financial trades at the lower P/E: 7.5× against 28.5×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 34.1% against 0.13%. Synchrony Financial has the higher net margin (14.8% vs 11.4%) and the higher return on invested capital (16.8% vs 4.26%). Across the 17 metrics below, Synchrony Financial leads on 14 and SoFi Technologies, Inc. on 3.
Valuation
Profitability
| Metric | SOFI | SYF | Credit Services median |
|---|---|---|---|
| Gross margin | 77.13% | 83.05% | 77.13% |
| Operating margin | 0.00% | 0.00% | 0.34% |
| Net margin | 11.39% | 14.82% | 9.25% |
| Free cash flow margin | (157.63%) | 41.83% | 12.91% |
| Return on equity | 7.09% | 22.23% | 8.49% |
| Return on assets | 1.25% | 2.83% | 2.16% |
| Return on invested capital | 4.26% | 16.83% | 4.09% |
Growth
Health
Dividend
Size
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