Affirm (AFRM) vs Synchrony Financial (SYF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Synchrony Financial (SYF) has outperformed Affirm (AFRM) over the past year, gaining 1.5% versus a loss of 1.7%. Over five years, SYF leads with a +43.3% price change compared with -48.7% for AFRM. Affirm is the larger company by market cap ($25.41 billion vs $23.40 billion), about 1.1 times the size.
On valuation, Synchrony Financial trades at a lower forward P/E (6.9x vs 15.6x for Affirm). Synchrony Financial pays a dividend yielding 1.67%, while Affirm does not currently pay one. Affirm converts more of its revenue into profit, with a net margin of 45.3% versus 18.7%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AFRM | SYF |
|---|---|---|
| Share price | $75.31 | $71.93 |
| Market cap | $25.41B | $23.40B |
| 1-day change | +0.57% | -0.32% |
| YTD return | +1.18% | -13.78% |
| 1-year return | -1.75% | +1.45% |
| 5-year return | -48.67% | +43.34% |
| P/E ratio (TTM) | 13.62 | 7.36 |
| Forward P/E | 15.60 | 6.87 |
| EPS (TTM) | $5.53 | $9.77 |
| Dividend yield | 0.00% | 1.67% |
| Annual dividend | $0.00 | $1.20 |
| Revenue (latest FY) | $4.26B | $18.99B |
| Revenue growth (YoY) | +32.15% | -2.80% |
| Net income (latest FY) | $1.93B | $3.55B |
| Operating margin | 9.79% | — |
| Net margin | 45.29% | 18.71% |
| 52-week high | $90.44 | $88.77 |
| 52-week low | $42.10 | $63.08 |
| Distance from 52-week high | -16.73% | -18.97% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +31.01% | +23.01% |
| Average volume | 4.22M | 3.39M |
| Shares outstanding | 296.88M | 325.37M |
| Employees | 2,358 | 20,000 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Affirm trades at a higher earnings multiple (13.6x vs 7.4x trailing P/E).
- Synchrony Financial offers a meaningfully higher dividend yield (1.67% vs 0.00%).
- Affirm is more profitable, keeping 45.3 cents of every revenue dollar as net income versus 18.7 cents for Synchrony Financial.
- Affirm grew revenue faster in its latest fiscal year (+32.15% vs -2.80%).
About Affirm
AFRM stock →Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally.
Finance · Finance: Consumer Services · 2,358 employees
About Synchrony Financial
SYF stock →Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans.
Finance · Finance: Consumer Services · 20,000 employees
AFRM vs SYF FAQ
Which is bigger, Affirm or Synchrony Financial?
Affirm (AFRM) is larger, with a market capitalization of $25.41B compared with $23.40B for Synchrony Financial (SYF).
Which stock has performed better over the past year, AFRM or SYF?
SYF returned +1.45% over the past 12 months, compared with -1.75% for AFRM (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or SYF?
SYF has the lower trailing P/E at 7.4, versus 13.6 for AFRM. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Affirm or Synchrony Financial?
Synchrony Financial pays a dividend yielding 1.67%, while Affirm does not currently pay a regular dividend.
Are Affirm and Synchrony Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.