Pricing Log in Create free account

SoFi Technologies, Inc. (SOFI) vs Synchrony Financial (SYF)

SoFi Technologies, Inc. and Synchrony Financial are both Credit Services companies. Synchrony Financial is the larger, with a market value of $23.1B against $20.8B — 1.1× the size. Synchrony Financial trades at the lower P/E: 7.7× against 27.8×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 37.6% against 0.48%. Synchrony Financial has the higher net margin (14.0% vs 12.1%) and the higher return on invested capital (15.4% vs 4.90%). Across the 17 metrics below, Synchrony Financial leads on 14 and SoFi Technologies, Inc. on 3.

Valuation

Metric SOFI SYF Credit Services median
P/E 27.83 7.69 8.96
P/S 3.41 1.02 1.00
P/B 1.85 1.60 1.23
Price to free cash flow n/m 2.49 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.59% 13.00% 7.17%
Free cash flow yield (50.36%) 40.23% 11.75%

Profitability

Metric SOFI SYF Credit Services median
Gross margin 77.36% 83.22% 76.61%
Operating margin 0.00% 0.00% 0.34%
Net margin 12.06% 13.97% 8.35%
Free cash flow margin (166.99%) 41.17% 8.73%
Return on equity 7.35% 21.14% 9.05%
Return on assets 1.30% 2.71% 1.94%
Return on invested capital 4.90% 15.44% 4.56%

Growth

Metric SOFI SYF Credit Services median
Revenue growth (TTM) 37.62% 0.48% 4.49%
EPS growth (last fiscal year) 0.00% 8.54% 21.94%
Revenue growth, 5-year CAGR 44.73% 7.02% 9.22%
Net income growth, 5-year CAGR 0.00% 20.90% 0.00%

Health

Metric SOFI SYF Credit Services median
Debt to equity 0.34 1.03 0.69
Current ratio 0.00 1.23 1.26
Net debt to EBITDA 0.00 0.00 0.11

Dividend

Metric SOFI SYF Credit Services median
Dividend yield — 1.72% 1.64%
Payout ratio — 0.13 0.21

Size

Metric SOFI SYF Credit Services median
Market cap 20.80b 23.07b 759.73m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack