COMP <GO>
SYF vs SOFI // EV/EBITDA & P/E VALUATION
Synchrony Financial (NYSE) VS. SoFi Technologies Inc. (NASDAQ) • 15-METRIC TALLY: SYF 8
— SOFI 4
▲ EV/EBITDA & P/E VALUATION LEADER: SYF
LAST: $75.35 (-2.10%) • MKT CAP: $23.97B
valuation
11.3x
LAST: $16.76 (-4.83%) • MKT CAP: $22.74B
valuation
56.8x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SYF VS. SOFI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SYF | SOFI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.60% | 2.10% | +5.50 | SYF | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 11.3x | 56.8x | -45.50 | SYF | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | -16.58% | +38.58 | SYF | /fcf-yield <GO> |
| Operating Margin | 64.60% | 75.00% | -10.40 | SOFI | /operating-margins <GO> |
| Net Profit Margin | 52.90% | 68.00% | -15.10 | SOFI | /net-margins <GO> |
| Revenue Growth (YoY) | -1.10% | 23.10% | -24.20 | SOFI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.78% | 0.00% | +1.78 | SYF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 3/9 | +4.00 | SYF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.3 | 62.1 | -2.80 | SOFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.13 | +0.03 | SYF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.2x | 39.7x | -33.50 | SYF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $23.97B | $22.74B | $1.22B | SYF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SYF REV | SOFI REV | SYF GROSS % | SOFI GROSS % | SYF FCF | SOFI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $619.4M | — | — | $9.85B | -$3.77B |
| FY 2024 | $0 | $503.1M | — | — | $9.85B | -$1.14B |
| FY 2023 | $0 | $421.5M | — | — | $8.59B | -$7.25B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SYF // BETA 1.16
SOFI // BETA 1.13