Which has the lower trailing P/E, SOFI or SYF?

SYF has the lower trailing P/E: SOFI trades at 35.98 and SYF at 7.85. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, SOFI or SYF?

Over the past five years, SOFI grew revenue faster — SOFI at a 42.36% CAGR versus SYF at 10.25%.

Does SOFI or SYF pay a bigger dividend?

SYF pays a dividend (1.63% yield), while SOFI has no payments in the available dividend history.

Is SOFI or SYF more profitable?

SYF runs the higher net margin — SOFI at 11.40% versus SYF at 18.56%.

How have SOFI and SYF total returns compared?

Over the past 5 years, SOFI delivered 2.52% and SYF delivered 12.40% annualized total return. Past performance doesn't predict future results.

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

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 September 13, 2026. Differences are shown without an overall score or investment verdict.

SOFI

SoFi Technologies, Inc.

$22.15B

$17.27Financial ServicesDelayed quote: Sep 15, 2026, 3:15 PM EDT

SYF

Synchrony Financial

$24.92B

$76.58Financial ServicesDelayed quote: Sep 15, 2026, 3:15 PM EDT

Total return — SOFI vs SYF

growth of $100 · dividends reinvested · last 6y

SOFI +65.3% (+8.7%/yr)SYF +169.8% (+18.0%/yr)SYF compounded faster over this window

SOFI SYF

SOFI vs SYF: by the numbers

•SYF is the larger company ($24.92B vs $22.15B market cap).
•SYF trades at the lower trailing earnings multiple (7.85 vs 35.98 P/E), one valuation lens rather than an overall verdict.
•SYF converts more revenue to profit (18.56% vs 11.40% net margin).
•SOFI grew revenue faster over the past five years (42.36% vs 10.25% CAGR).
•SYF pays a dividend (1.63% yield), while SOFI has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	SOFI	SYF
P/E ratio	35.98	7.85
Forward P/E	29.26	8.19
P/S ratio	3.97	1.31
P/B ratio	2.00	1.47

Profitability

Metric	SOFI	SYF
Gross margin	76.46%	52.26%
Operating margin	13.22%	24.34%
Net margin	11.40%	18.56%
ROE	5.74%	20.82%

Dividends

Metric	SOFI	SYF
Dividend yield	N/A	1.63%
Payout ratio	N/A	12.70%

Growth (annualized)

Metric	SOFI	SYF
Revenue CAGR (5Y)	42.36%	10.25%
EPS CAGR (5Y)	N/A	32.61%
Total return CAGR (5Y)	2.52%	12.40%

Frequently asked

Which has the lower trailing P/E, SOFI or SYF?: SYF has the lower trailing P/E: SOFI trades at 35.98 and SYF at 7.85. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, SOFI or SYF?: Over the past five years, SOFI grew revenue faster — SOFI at a 42.36% CAGR versus SYF at 10.25%.
Does SOFI or SYF pay a bigger dividend?: SYF pays a dividend (1.63% yield), while SOFI has no payments in the available dividend history.
Is SOFI or SYF more profitable?: SYF runs the higher net margin — SOFI at 11.40% versus SYF at 18.56%.
How have SOFI and SYF total returns compared?: Over the past 5 years, SOFI delivered 2.52% and SYF delivered 12.40% annualized total return. 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 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 & Synchrony Financial appear in these rankings

Fastest Revenue Growth Stocks Highest FCF Yield Stocks Highest 10-Year Total Return 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 September 13, 2026.