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 July 29, 2026. Differences are shown without an overall score or investment verdict.
SOFI
SoFi Technologies, Inc.
$15.25Financial ServicesDelayed quote: Jul 29, 2026, 4:00 PM EDT
SYF
Synchrony Financial
$74.97Financial ServicesDelayed quote: Jul 29, 2026, 4:00 PM EDT
Total return — SOFI vs SYF
growth of $100 · dividends reinvested · last 6ySOFI +59.7%SYF +172.6%SYF compounded faster
SOFI SYF
SOFI vs SYF: by the numbers
- •SYF is the larger company ($24.39B vs $19.56B market cap).
- •SYF trades at the lower trailing earnings multiple (7.90 vs 37.83 P/E), one valuation lens rather than an overall verdict.
- •SYF converts more revenue to profit (17.68% vs 16.80% net margin).
- •SOFI grew revenue faster over the past five years (37.80% vs 11.32% CAGR).
- •SYF pays a dividend (1.56% yield), while SOFI has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | SOFI | SYF |
|---|---|---|
| P/E ratio | 37.83 | 7.90 |
| Forward P/E | 28.05 | 8.23 |
| P/S ratio | 4.49 | 1.30 |
| P/B ratio | 2.13 | 1.52 |
| PEG ratio | N/A | 1.09 |
Profitability
| Metric | SOFI | SYF |
|---|---|---|
| Gross margin | 81.35% | 51.04% |
| Operating margin | 14.76% | 23.57% |
| Net margin | 16.80% | 17.68% |
| ROE | 7.20% | 20.82% |
| ROIC | 3.79% | 9.36% |
Dividends
| Metric | SOFI | SYF |
|---|---|---|
| Dividend yield | N/A | 1.56% |
| Payout ratio | N/A | 12.83% |
Growth (annualized)
| Metric | SOFI | SYF |
|---|---|---|
| Revenue CAGR (5Y) | 37.80% | 11.32% |
| EPS CAGR (5Y) | N/A | 32.61% |
| Total return CAGR (5Y) | 1.72% | 12.80% |
Frequently asked
- Which has the lower trailing P/E, SOFI or SYF?
- SYF has the lower trailing P/E: SOFI trades at 37.83 and SYF at 7.90. 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 37.80% CAGR versus SYF at 11.32%.
- Does SOFI or SYF pay a bigger dividend?
- SYF pays a dividend (1.56% 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 16.80% versus SYF at 17.68%.
- How have SOFI and SYF total returns compared?
- Over the past 5 years, SOFI delivered 1.72% and SYF delivered 13.34% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
SoFi Technologies P/E ratioSynchrony Financial P/E ratioSoFi Technologies dividend yieldSynchrony Financial dividend yieldSoFi Technologies ROESynchrony Financial ROESoFi Technologies operating marginSynchrony Financial operating marginSoFi Technologies revenue growthSynchrony Financial revenue growthSoFi Technologies free cash flowSynchrony Financial free cash flow
SoFi Technologies & 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 July 29, 2026.