SoFi Technologies (SOFI) 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 SoFi Technologies (SOFI) over the past year, gaining 1.5% versus a loss of 44.3%. Over five years, SYF leads with a +43.3% price change compared with -19.2% for SOFI. Synchrony Financial is the larger company by market cap ($23.40 billion vs $20.23 billion), about 1.2 times the size, while SoFi Technologies is growing revenue faster (+23.1% vs -2.8%).
On valuation, Synchrony Financial trades at a lower forward P/E (6.9x vs 19.0x for SoFi Technologies). Synchrony Financial pays a dividend yielding 1.67%, while SoFi Technologies does not currently pay one. SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% 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 | SOFI | SYF |
|---|---|---|
| Share price | $15.66 | $71.93 |
| Market cap | $20.23B | $23.40B |
| 1-day change | -0.63% | -0.32% |
| YTD return | -40.18% | -13.78% |
| 1-year return | -44.35% | +1.45% |
| 5-year return | -19.20% | +43.34% |
| P/E ratio (TTM) | 31.96 | 7.36 |
| Forward P/E | 19.03 | 6.87 |
| EPS (TTM) | $0.49 | $9.77 |
| Dividend yield | 0.00% | 1.67% |
| Annual dividend | $0.00 | $1.20 |
| Revenue (latest FY) | $619.35M | $18.99B |
| Revenue growth (YoY) | +23.10% | -2.80% |
| Net income (latest FY) | $481.32M | $3.55B |
| Gross margin | 1.67% | — |
| Net margin | 77.71% | 18.71% |
| 52-week high | $32.73 | $88.77 |
| 52-week low | $14.88 | $63.08 |
| Distance from 52-week high | -52.15% | -18.97% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +29.82% | +23.01% |
| Average volume | 57.13M | 3.30M |
| Shares outstanding | 1.29B | 325.37M |
| Employees | 6,100 | 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
- SYF has outperformed SOFI by 45.8 percentage points over the past year.
- SoFi Technologies trades at a higher earnings multiple (32.0x vs 7.4x trailing P/E).
- Synchrony Financial offers a meaningfully higher dividend yield (1.67% vs 0.00%).
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 18.7 cents for Synchrony Financial.
- SoFi Technologies grew revenue faster in its latest fiscal year (+23.10% vs -2.80%).
About SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 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
SOFI vs SYF FAQ
Which is bigger, SoFi Technologies or Synchrony Financial?
Synchrony Financial (SYF) is larger, with a market capitalization of $23.40B compared with $20.23B for SoFi Technologies (SOFI).
Which stock has performed better over the past year, SOFI or SYF?
SYF returned +1.45% over the past 12 months, compared with -44.35% for SOFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, SOFI or SYF?
SYF has the lower trailing P/E at 7.4, versus 32.0 for SOFI. 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, SoFi Technologies or Synchrony Financial?
Synchrony Financial pays a dividend yielding 1.67%, while SoFi Technologies does not currently pay a regular dividend.
Are SoFi Technologies and Synchrony Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.