SOFI vs. SYF: SoFi vs. Synchrony Financial Stock Comparison
How do SoFi (SOFI) and Synchrony Financial (SYF) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
SoFi (SOFI) and Synchrony Financial (SYF) are both classified in the Consumer Finance sub-industry within the broader Consumer Finance industry, placing them in the closest GICS peer bucket.
| Profile Item | SOFI | SYF |
|---|---|---|
| Name | SoFi Technologies, Inc. | Synchrony Financial |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Consumer Finance |
| GICS Sub-Industry | Consumer Finance | Consumer Finance |
| Market Capitalization | 21.04 billion USD | 23.99 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | January 4, 2021 | July 31, 2014 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SOFI | SYF |
|---|---|---|
| Total Return (1Y) | -40.42% | 2.84% |
| Total Return (3Y, Annualized) | 34.88% | 39.02% |
| Total Return (5Y, Annualized) | -5.36% | 10.89% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SOFI | SYF |
|---|---|---|
| Volatility (1Y, Annualized) | 55.56% | 31.32% |
| Beta (5Y) | 2.22 | 1.40 |
| Max Drawdown (5Y) | -81.28% | -44.60% |
| Avg. Volume (3M) | 48.09M | 3.37M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SOFI | SYF |
|---|---|---|
| Sharpe Ratio (1Y) | -0.80 | -0.05 |
| Sortino Ratio (1Y) | -1.09 | -0.06 |
Profitability
ROE (TTM)
Both SoFi (SOFI) at 7.35% and Synchrony Financial (SYF) at 19.83% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
SOFI
Financial Services industry group
7.35%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- SOFI
- 7.35%
- Q1
- 4.48%
- Min
- -18.71%
SYF
Financial Services industry group
19.83%
- Max
- 44.78%
- Q3
- 21.85%
- SYF
- 19.83%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Synchrony Financial (SYF) at 34.07% retains a top-quartile share of revenue as profit, ahead of SoFi (SOFI) at 15.75%, which keeps about the industry-typical share.
SOFI
Financial Services industry group
15.75%
- Max
- 62.84%
- Q3
- 28.05%
- SOFI
- 15.75%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
SYF
Financial Services industry group
34.07%
- Max
- 62.84%
- SYF
- 34.07%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both SoFi (SOFI) at 23.19% and Synchrony Financial (SYF) at 49.84% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
SOFI
Financial Services industry group
23.19%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- SOFI
- 23.19%
- Q1
- 14.60%
- Min
- -44.34%
SYF
Financial Services industry group
49.84%
- Max
- 107.33%
- Q3
- 55.90%
- SYF
- 49.84%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | SOFI | SYF |
|---|---|---|
| ROE (TTM) | 7.35% | 19.83% |
| ROA (TTM) | 1.31% | 2.78% |
| Net Margin (TTM) | 15.75% | 34.07% |
| Operating Margin (TTM) | 23.19% | 49.84% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Synchrony Financial (SYF) at -0.50% is in the bottom quartile, showing a clear gap in revenue momentum.
EPS Growth
Both SoFi (SOFI) at 0.00% and Synchrony Financial (SYF) at 8.54% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | SOFI | SYF |
|---|---|---|
| Revenue Growth (YoY) | 38.32% | -0.50% |
| Revenue Growth (3Y CAGR) | 31.93% | 8.67% |
| EPS Growth (YoY) | 0.00% | 8.54% |
| EPS Growth (3Y CAGR) | -- | 14.70% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: SoFi (SOFI) in Financial Services and Synchrony Financial (SYF) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: SoFi (SOFI) in Financial Services and Synchrony Financial (SYF) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | SOFI | SYF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
SoFi (SOFI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Synchrony Financial (SYF) reports a yield of 1.67%, ranking against industry peers normally.
SOFI
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- SOFI
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
SYF
Financial Services industry group
1.67%
- Max
- 9.77%
- Q3
- 3.92%
- SYF
- 1.67%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
SoFi (SOFI) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Synchrony Financial (SYF) reports a payout of 12.94%, ranking against industry peers normally.
SOFI
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- SOFI
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
SYF
Financial Services industry group
12.94%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- SYF
- 12.94%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SOFI | SYF |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.67% |
| Dividend Payout Ratio (TTM) | 0.00% | 12.94% |
Valuation
P/E Ratio (TTM)
Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while SoFi (SOFI) at 29.47 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
SOFI
Financial Services industry group
29.47
- Max
- 45.85
- SOFI
- 29.47
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
SYF
Financial Services industry group
7.70
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- SYF
- 7.70
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both SoFi (SOFI) at 4.49 and Synchrony Financial (SYF) at 2.45 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
SOFI
Financial Services industry group
4.49
- Max
- 9.23
- Q3
- 4.57
- SOFI
- 4.49
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
SYF
Financial Services industry group
2.45
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- SYF
- 2.45
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both SoFi (SOFI) at 1.86 and Synchrony Financial (SYF) at 1.55 are valued close to their industries’ norm against book — neither stands out from peers.
SOFI
Financial Services industry group
1.86
- Max
- 7.79
- Q3
- 3.63
- SOFI
- 1.86
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
SYF
Financial Services industry group
1.55
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- SYF
- 1.55
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | SOFI | SYF |
|---|---|---|
| P/E Ratio (TTM) | 29.47 | 7.70 |
| P/S Ratio (TTM) | 4.49 | 2.45 |
| P/B Ratio (MRQ) | 1.86 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |