Compare $SOFI vs $SYF | Chartloom

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$SOFI vs $SYF

SoFi Technologies Inc · Synchrony Financial

SOFI

SoFi Technologies Inc

SYF

Synchrony Financial

Compare $SOFI vs $SYF

Comparing SoFi Technologies Inc and Synchrony Financial

SOFISoFi Technologies Inc

SYFSynchrony Financial

SOFISoFi Technologies Inc

Market cap

$20.39B

P/E (TTM)

33.57x

Forward P/E (NTM)

21.26x

Forward P/S (NTM)

3.70x

Rev growth (TTM)

49.1%

YTD performance

-42.5%

52W performance

-43.6%

FCF yield

-43.2%

SYFSynchrony Financial

Market cap

$23.69B

P/E (TTM)

7.08x

Forward P/E (NTM)

7.55x

Forward P/S (NTM)

1.25x

Rev growth (TTM)

2.9%

YTD performance

-14.0%

52W performance

2.6%

FCF yield

40.9%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

SOFI

SYF

Detailed metrics comparison

SOFI

SoFi Technologies Inc

SYF

Synchrony Financial

Market Cap

SOFI$20.39B

SYF$23.69B

Enterprise Value

SOFI$23.69B

SYF$40.12B

Price

SOFI$15.80

SYF$72.80

P/E Ratio

SOFI33.57x

SYF7.08x

P/S Ratio

SOFI4.47x

SYF1.23x

EV/Sales

SOFI5.20x

SYF2.08x

EV/EBITDA

SOFI23.67x

SYF7.76x

P/B Ratio

SOFI1.84x

SYF1.38x

P/FCF Ratio

SOFIN/A

SYF2.44x

EV/FCF

SOFI-2.69x

SYF4.14x

PEG Ratio

SOFI0.93x

SYF1.03x

Forward P/E (NTM)

SOFI21.26x

SYF7.55x

Forward P/S (NTM)

SOFI3.70x

SYF1.25x

Revenue (TTM)

SOFI$4.56B

SYF$19.25B

Revenue Growth (YoY)

SOFI49.1%

SYF2.9%

Forward Rev Growth

SOFI23.8%

SYF0.7%

Gross Margin (TTM)

SOFI0.0%

SYF0.0%

Operating Margin (TTM)

SOFI0.0%

SYF18.4%

EBITDA Margin (TTM)

SOFI21.9%

SYF26.9%

Net Margin (TTM)

SOFI14.0%

SYF17.8%

FCF Margin (TTM)

SOFI-193.0%

SYF50.4%

Net Income (TTM)

SOFI$636M

SYF$3.44B

FCF (TTM)

SOFI$-8.80B

SYF$9.69B

EPS (TTM)

SOFI$0.47

SYF$10.28

ROE (TTM)

SOFI6.2%

SYF20.9%

ROA (TTM)

SOFI1.2%

SYF2.9%

ROIC (TTM)

SOFI5.0%

SYF10.8%

Cash

SOFI$0

SYF$0

Debt

SOFI$3.30B

SYF$16.43B

Net Cash/Debt

SOFI$-3.30B

SYF$-16.43B

Current Ratio (TTM)

SOFI0.00x

SYF0.00x

Quick Ratio (TTM)

SOFI0.00x

SYF0.00x

Debt/Equity (TTM)

SOFI0.30x

SYF0.97x

Debt/Assets (TTM)

SOFI0.0%

SYF0.0%

Interest Coverage (TTM)

SOFIN/A

SYFN/A

Net Debt/EBITDA (TTM)

SOFI0.00x

SYF0.00x

Beta

SOFI2.29

SYF1.43

52W Performance

SOFI-43.6%

SYF2.6%

YTD Performance

SOFI-42.5%

SYF-14.0%

% from 52W High

SOFI-51.7%

SYF-18.0%

% from 52W Low

SOFI6.2%

SYF15.4%

Asset Turnover (TTM)

SOFI0.00x

SYF0.00x

FCF Yield (TTM)

SOFI-43.2%

SYF40.9%

Earnings Yield (TTM)

SOFI3.1%

SYF14.5%

Dividend Yield (TTM)

SOFIN/A

SYF2.2%

Rule of 40

SOFI-143.9

SYF53.3

EV/GP/RG

SOFIN/A

SYFN/A

Ticker research

View SOFI research View SYF research

Metric	SOFI SoFi Technologies Inc	SYF Synchrony Financial
Market & Valuation
Market Cap	$20.39B	$23.69B
Enterprise Value	$23.69B	$40.12B
Price	$15.80	$72.80
P/E Ratio	33.57x	7.08x
P/S Ratio	4.47x	1.23x
EV/Sales	5.20x	2.08x
EV/EBITDA	23.67x	7.76x
P/B Ratio	1.84x	1.38x
P/FCF Ratio	N/A	2.44x
EV/FCF	-2.69x	4.14x
PEG Ratio	0.93x	1.03x
Forward P/E (NTM)	21.26x	7.55x
Forward P/S (NTM)	3.70x	1.25x
Revenue & Growth
Revenue (TTM)	$4.56B	$19.25B
Revenue Growth (YoY)	49.1%	2.9%
Forward Rev Growth	23.8%	0.7%
Profitability
Gross Margin (TTM)	0.0%	0.0%
Operating Margin (TTM)	0.0%	18.4%
EBITDA Margin (TTM)	21.9%	26.9%
Net Margin (TTM)	14.0%	17.8%
FCF Margin (TTM)	-193.0%	50.4%
Net Income (TTM)	$636M	$3.44B
FCF (TTM)	$-8.80B	$9.69B
EPS (TTM)	$0.47	$10.28
ROE (TTM)	6.2%	20.9%
ROA (TTM)	1.2%	2.9%
ROIC (TTM)	5.0%	10.8%
Financial Health
Cash	$0	$0
Debt	$3.30B	$16.43B
Net Cash/Debt	$-3.30B	$-16.43B
Current Ratio (TTM)	0.00x	0.00x
Quick Ratio (TTM)	0.00x	0.00x
Debt/Equity (TTM)	0.30x	0.97x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	2.29	1.43
52W Performance	-43.6%	2.6%
YTD Performance	-42.5%	-14.0%
% from 52W High	-51.7%	-18.0%
% from 52W Low	6.2%	15.4%
Efficiency & Yields
Asset Turnover (TTM)	0.00x	0.00x
FCF Yield (TTM)	-43.2%	40.9%
Earnings Yield (TTM)	3.1%	14.5%
Dividend Yield (TTM)	N/A	2.2%
Other
Rule of 40	-143.9	53.3
EV/GP/RG	N/A	N/A
Ticker research	View SOFI research	View SYF research

Valuation

P/E Ratio

SYF

7.08x

SOFI

33.57x

P/S Ratio

SYF

1.23x

SOFI

4.47x

EV/FCF

SOFI

-2.69x

SYF

4.14x

Growth & revenue

Revenue Growth TTM

SOFI

49.1%

SYF

2.9%

Forward Revenue Growth

SOFI

23.8%

SYF

0.7%

Profitability & performance

Gross Margin

SOFI

0.0%

SYF

0.0%

ROE

SYF

20.9%

SOFI

6.2%

FCF Yield %

SYF

40.9%

SOFI

-43.2%

52-Week Performance

SYF

2.6%

SOFI

-43.6%

Detailed metrics comparison

SOFI

SoFi Technologies Inc

SYF

Synchrony Financial

Market Cap

SOFI$20.39B

SYF$23.69B

Enterprise Value

SOFI$23.69B

SYF$40.12B

Price

SOFI$15.80

SYF$72.80

P/E Ratio

SOFI33.57x

SYF7.08x

P/S Ratio

SOFI4.47x

SYF1.23x

EV/Sales

SOFI5.20x

SYF2.08x

EV/EBITDA

SOFI23.67x

SYF7.76x

P/B Ratio

SOFI1.84x

SYF1.38x

P/FCF Ratio

SOFIN/A

SYF2.44x

EV/FCF

SOFI-2.69x

SYF4.14x

PEG Ratio

SOFI0.93x

SYF1.03x

Forward P/E (NTM)

SOFI21.26x

SYF7.55x

Forward P/S (NTM)

SOFI3.70x

SYF1.25x

Revenue (TTM)

SOFI$4.56B

SYF$19.25B

Revenue Growth (YoY)

SOFI49.1%

SYF2.9%

Forward Rev Growth

SOFI23.8%

SYF0.7%

Gross Margin (TTM)

SOFI0.0%

SYF0.0%

Operating Margin (TTM)

SOFI0.0%

SYF18.4%

EBITDA Margin (TTM)

SOFI21.9%

SYF26.9%

Net Margin (TTM)

SOFI14.0%

SYF17.8%

FCF Margin (TTM)

SOFI-193.0%

SYF50.4%

Net Income (TTM)

SOFI$636M

SYF$3.44B

FCF (TTM)

SOFI$-8.80B

SYF$9.69B

EPS (TTM)

SOFI$0.47

SYF$10.28

ROE (TTM)

SOFI6.2%

SYF20.9%

ROA (TTM)

SOFI1.2%

SYF2.9%

ROIC (TTM)

SOFI5.0%

SYF10.8%

Cash

SOFI$0

SYF$0

Debt

SOFI$3.30B

SYF$16.43B

Net Cash/Debt

SOFI$-3.30B

SYF$-16.43B

Current Ratio (TTM)

SOFI0.00x

SYF0.00x

Quick Ratio (TTM)

SOFI0.00x

SYF0.00x

Debt/Equity (TTM)

SOFI0.30x

SYF0.97x

Debt/Assets (TTM)

SOFI0.0%

SYF0.0%

Interest Coverage (TTM)

SOFIN/A

SYFN/A

Net Debt/EBITDA (TTM)

SOFI0.00x

SYF0.00x

Beta

SOFI2.29

SYF1.43

52W Performance

SOFI-43.6%

SYF2.6%

YTD Performance

SOFI-42.5%

SYF-14.0%

% from 52W High

SOFI-51.7%

SYF-18.0%

% from 52W Low

SOFI6.2%

SYF15.4%

Asset Turnover (TTM)

SOFI0.00x

SYF0.00x

FCF Yield (TTM)

SOFI-43.2%

SYF40.9%

Earnings Yield (TTM)

SOFI3.1%

SYF14.5%

Dividend Yield (TTM)

SOFIN/A

SYF2.2%

Rule of 40

SOFI-143.9

SYF53.3

EV/GP/RG

SOFIN/A

SYFN/A

Ticker research

View SOFI research View SYF research

Metric	SOFI SoFi Technologies Inc	SYF Synchrony Financial
Market & Valuation
Market Cap	$20.39B	$23.69B
Enterprise Value	$23.69B	$40.12B
Price	$15.80	$72.80
P/E Ratio	33.57x	7.08x
P/S Ratio	4.47x	1.23x
EV/Sales	5.20x	2.08x
EV/EBITDA	23.67x	7.76x
P/B Ratio	1.84x	1.38x
P/FCF Ratio	N/A	2.44x
EV/FCF	-2.69x	4.14x
PEG Ratio	0.93x	1.03x
Forward P/E (NTM)	21.26x	7.55x
Forward P/S (NTM)	3.70x	1.25x
Revenue & Growth
Revenue (TTM)	$4.56B	$19.25B
Revenue Growth (YoY)	49.1%	2.9%
Forward Rev Growth	23.8%	0.7%
Profitability
Gross Margin (TTM)	0.0%	0.0%
Operating Margin (TTM)	0.0%	18.4%
EBITDA Margin (TTM)	21.9%	26.9%
Net Margin (TTM)	14.0%	17.8%
FCF Margin (TTM)	-193.0%	50.4%
Net Income (TTM)	$636M	$3.44B
FCF (TTM)	$-8.80B	$9.69B
EPS (TTM)	$0.47	$10.28
ROE (TTM)	6.2%	20.9%
ROA (TTM)	1.2%	2.9%
ROIC (TTM)	5.0%	10.8%
Financial Health
Cash	$0	$0
Debt	$3.30B	$16.43B
Net Cash/Debt	$-3.30B	$-16.43B
Current Ratio (TTM)	0.00x	0.00x
Quick Ratio (TTM)	0.00x	0.00x
Debt/Equity (TTM)	0.30x	0.97x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	2.29	1.43
52W Performance	-43.6%	2.6%
YTD Performance	-42.5%	-14.0%
% from 52W High	-51.7%	-18.0%
% from 52W Low	6.2%	15.4%
Efficiency & Yields
Asset Turnover (TTM)	0.00x	0.00x
FCF Yield (TTM)	-43.2%	40.9%
Earnings Yield (TTM)	3.1%	14.5%
Dividend Yield (TTM)	N/A	2.2%
Other
Rule of 40	-143.9	53.3
EV/GP/RG	N/A	N/A
Ticker research	View SOFI research	View SYF research