Is SOFI or SYF cheaper?

On trailing earnings, SYF is cheaper: SOFI trades at a 37.47 P/E and SYF at 7.59.

Which has grown faster, SOFI or SYF?

Over the past five years, SOFI grew revenue faster — SOFI at a 43.20% CAGR versus SYF at 10.42%.

Does SOFI or SYF pay a bigger dividend?

SYF pays a dividend (1.64% yield) while SOFI does not currently pay one.

Is SOFI or SYF more profitable?

SYF runs the higher net margin — SOFI at 11.22% versus SYF at 18.08%.

Which has been the better investment, SOFI or SYF?

Over the past 5-year, SYF delivered the higher annualized total return — SOFI at -5.84% versus SYF at 11.66%. Past performance doesn't predict future results.

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

SYF leads on 10 of 12 compared metrics.

A side-by-side comparison of SoFi Technologies, Inc. and Synchrony Financial across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 14, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

SOFI

SoFi Technologies, Inc.

$21.27B

$16.58Financial Services

SYF

Synchrony Financial

$24.68B

$73.36Financial Services

Total return — SOFI vs SYF

growth of $100 · last 6y

SOFI +58.2%SYF +140.8%SYF compounded faster

SOFI SYF

SOFI vs SYF: by the numbers

•SYF is the larger company ($24.68B vs $21.27B market cap).
•SYF trades at the lower earnings multiple (7.59 vs 37.47 P/E).
•SYF converts more revenue to profit (18.08% vs 11.22% net margin).
•SOFI grew revenue faster over the past five years (43.20% vs 10.42% CAGR).
•SYF pays a dividend (1.64% yield) while SOFI does not currently pay one.

Which is better, SOFI or SYF?

Metric tally: SOFI 2 · SYF 10

It depends on what you're optimizing for:

ValueSYF(lower P/E)

GrowthSOFI(faster 5Y revenue CAGR)

QualitySYF(higher ROIC)

Valuation

Metric	SOFI	SYF
P/E ratio	37.47	7.59●
Forward P/E	27.78	7.90●
P/S ratio	4.44	1.27●
P/B ratio	2.11	1.54●
PEG ratio	—	1.02

Profitability

Metric	SOFI	SYF
Gross margin	76.02%●	61.08%
Operating margin	12.56%	22.85%●
Net margin	11.22%	18.08%●
ROE	5.34%	21.85%●
ROIC	0.95%	9.36%●

Dividends

Metric	SOFI	SYF
Dividend yield	—	1.64%
Payout ratio	—	12.83%

Growth (annualized)

Metric	SOFI	SYF
Revenue CAGR (5Y)	43.20%●	10.42%
EPS CAGR (5Y)	-15.53%	32.61%●
Total return CAGR (5Y)	-5.84%	10.68%●

Frequently asked

Which is better, SOFI or SYF?: It depends on your goal. value: SYF (lower P/E); growth: SOFI (faster 5Y revenue CAGR); quality: SYF (higher ROIC). Across all compared metrics, SYF leads 10 to 2.
Is SOFI or SYF cheaper?: On trailing earnings, SYF is cheaper: SOFI trades at a 37.47 P/E and SYF at 7.59.
Which has grown faster, SOFI or SYF?: Over the past five years, SOFI grew revenue faster — SOFI at a 43.20% CAGR versus SYF at 10.42%.
Does SOFI or SYF pay a bigger dividend?: SYF pays a dividend (1.64% yield) while SOFI does not currently pay one.
Is SOFI or SYF more profitable?: SYF runs the higher net margin — SOFI at 11.22% versus SYF at 18.08%.
Which has been the better investment, SOFI or SYF?: Over the past 5-year, SYF delivered the higher annualized total return — SOFI at -5.84% versus SYF at 11.66%. Past performance doesn't predict future results.

Go deeper

Full SOFI analysis Full SYF analysis Interactive comparison tool

Dig into the metrics

SoFi Technologies P/E ratio Synchrony Financial P/E ratio SoFi Technologies dividend yield Synchrony Financial dividend yield SoFi Technologies ROE Synchrony Financial ROE SoFi Technologies operating margin Synchrony Financial operating margin SoFi Technologies revenue growth Synchrony Financial revenue growth SoFi Technologies free cash flow Synchrony Financial free cash flow

SoFi Technologies & Synchrony Financial appear in these rankings

Fastest Revenue Growth Stocks Highest FCF Yield Stocks Lowest P/E Ratio Stocks

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 June 14, 2026.