Affirm Holdings, Inc. (AFRM) vs Synchrony Financial (SYF)
A side-by-side comparison of Affirm Holdings, Inc. and Synchrony Financial across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 3, 2026. Differences are shown without an overall score or investment verdict.
Total return — AFRM vs SYF
growth of $100 · dividends reinvested · last 6yAFRM vs SYF: by the numbers
- •AFRM is the larger company ($23.70B vs $23.35B market cap).
- •SYF trades at the lower trailing earnings multiple (7.35 vs 12.82 P/E), one valuation lens rather than an overall verdict.
- •AFRM converts more revenue to profit (46.11% vs 18.56% net margin).
- •AFRM grew revenue faster over the past five years (36.90% vs 10.25% CAGR).
- •SYF pays a dividend (1.73% yield), while AFRM has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | AFRM | SYF |
|---|---|---|
| P/E ratio | 12.82 | 7.35 |
| Forward P/E | 35.62 | 7.67 |
| PEG ratio | N/A | 0.23 |
| P/S ratio | 5.66 | 1.23 |
| P/B ratio | 4.32 | 1.38 |
Profitability
| Metric | AFRM | SYF |
|---|---|---|
| Operating margin | 15.50% | 24.34% |
| Net margin | 46.11% | 18.56% |
| ROE | 35.19% | 20.82% |
Affirm Holdings, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Synchrony Financial: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | AFRM | SYF |
|---|---|---|
| Dividend yield | N/A | 1.73% |
| Payout ratio | N/A | 12.70% |
Growth (annualized)
| Metric | AFRM | SYF |
|---|---|---|
| Revenue CAGR (5Y) | 36.90% | 10.25% |
| EPS CAGR (5Y) | N/A | 32.61% |
| Total return CAGR (5Y) | -9.69% | 9.95% |
Frequently asked
- Which has the lower trailing P/E, AFRM or SYF?
- SYF has the lower trailing P/E: AFRM trades at 12.82 and SYF at 7.35. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, AFRM or SYF?
- Over the past five years, AFRM grew revenue faster — AFRM at a 36.90% CAGR versus SYF at 10.25%.
- Does AFRM or SYF pay a bigger dividend?
- SYF pays a dividend (1.73% yield), while AFRM has no payments in the available dividend history.
- Is AFRM or SYF more profitable?
- AFRM runs the higher net margin — AFRM at 46.11% versus SYF at 18.56%.
- How have AFRM and SYF total returns compared?
- Over the past 5 years, AFRM delivered -9.69% and SYF delivered 9.95% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Affirm & Synchrony Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 3, 2026.