SOFI vs SYF: stock comparison and AI forecast
Sofi Technologies, Inc. (SOFI) and Synchrony Financial (SYF) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
SOFI Sofi Technologies, Inc.
- Price
- $16.60 +2.5% · 6M
- Market Cap
- $21.44B
- P/E Ratio
- 38.6x
- Size
- large-cap
- AI Forecast
SYF Synchrony Financial
- Market Cap
- $23.92B
- P/E Ratio
- 8.0x
- Size
- large-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- SYF is 1.1 times larger than SOFI by market capitalization ($23.92B against $21.44B).
- SYF trades at 8.0 times trailing earnings, SOFI at 38.6 times.
- SOFI turns 11.4% of its revenue into net income, against 8.7% for SYF.
- SYF carries 6.40 times debt per unit of equity, against 4.50 times for SOFI.
- SYF yields 1.76% in dividends; SOFI pays none.
- Both companies share the SEC industry classification Finance Services.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | SOFI | SYF |
|---|---|---|
| Market Cap | $21.44B | $23.92B |
| P/E Ratio | 38.60x | 8.04x |
| P/B Ratio | 1.94x | 1.45x |
| Dividend Yield | – | 1.76% |
| EPS | $0.43 | $9.56 |
| Book Value/Share | $8.58 | $53.15 |
| Revenue/Share | $4.32 | – |
| FCF/Share | $-6.81 | – |
Profitability & Margins
| Metric | SOFI | SYF |
|---|---|---|
| ROE | 5.7% | 20.1% |
| ROA | 1.0% | 2.7% |
| Gross Margin | 87.6% | – |
| Net Margin | 11.4% | 8.7% |
| EBT Margin | 13.2% | 11.4% |
| Tax Rate | 13.8% | 23.7% |
Financial Health
| Metric | SOFI | SYF |
|---|---|---|
| D/E Ratio | 4.50x | 6.40x |
| Financial Leverage | 5.50x | 7.40x |
Cash Flow
| Metric | SOFI | SYF |
|---|---|---|
| Operating Cash Flow | -$8.50B | $9.55B |
| Free Cash Flow | -$8.79B | – |
| Capital Spending | -$290M | – |
| OCF Growth YoY | – | -2.0% |
| FCF/Sales | -157.5% | – |
| CapEx/Sales | 5.2% | – |
Operational Efficiency
| Metric | SOFI | SYF |
|---|---|---|
| Asset Turnover | 0.09x | – |
| Fixed Assets Turnover | 11.2x | – |
Income Statement
| Metric | SOFI | SYF |
|---|---|---|
| Total Revenue | $5.58B | – |
| Net Income | $636M | $3.33B |
| R&D Expense | $719M | – |
| SG&A Expense | $2.69B | – |
| Cost of Goods Sold | $694M | – |
Dividend & Shareholder Information
| Metric | SOFI | SYF |
|---|---|---|
| Dividends Per Share | – | $1.35 |
| Payout Ratio | – | 14.1% |
| Shares Outstanding | 1292M | 311M |
| Net Income Growth | 13.3% | -6.8% |
| EPS Growth | -6.5% | 4.2% |
SOFI vs SYF: stock comparison and AI forecast
Which is bigger, SOFI or SYF?
SYF is 1.1 times larger than SOFI by market capitalization ($23.92B against $21.44B).
Which is cheaper on earnings, SOFI or SYF?
SYF trades at 8.0 times trailing earnings, SOFI at 38.6 times.
Which one does Intratio's AI model rank higher, SOFI or SYF?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.