SoFi Technologies
SOFI · Consumer Finance
$14.62
1.0%Synchrony Financial
SYF · Consumer Finance
$73.64
1.9%The short version
- Synchrony Financial is the larger business, with $19.0B of revenue in fiscal 2025 against $3.6B for SoFi Technologies, about 5.3 times as much.
- SoFi Technologies grew revenue faster (35.1%, against −2.8%).
- Investors pay more for each dollar of SoFi Technologies’s earnings: a P/E of 29.8x against 7.7x for Synchrony Financial.
| Latest fiscal year | SOFI · FY25 | SYF · FY25 |
|---|---|---|
| Size | ||
| Market cap | $18.3B | $27.5B |
| Revenue | $3.6B | $19.0B |
| Free cash flow | — | — |
| Net income | $481M | $3.6B |
| Growth | ||
| Revenue growth | 35.1% | −2.8% |
| 5-year growth | 44.9% | 5.1% |
| Share count change | 13.7% | −6.7% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 13.3% | 18.7% |
| FCF margin | — | — |
| Return on capital | — | — |
| Return on equity | 5.7% | 21.3% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $0.0M | $3.4B |
| Valuation & quality | ||
| P/E | 29.8x | 7.7x |
| Piotroski F-score | — | — |
FY16
SOFI —
SYF $13.9B
FY17
SOFI —
SYF $15.3B
FY18
SOFI —
SYF $16.4B
FY19
SOFI $443M
SYF $17.2B
FY20
SOFI $566M
SYF $14.8B
FY21
SOFI $985M
SYF $14.7B
FY22
SOFI $1.6B
SYF $16.0B
FY23
SOFI $2.1B
SYF $17.3B
FY24
SOFI $2.7B
SYF $19.5B
FY25
SOFI $3.6B
SYF $19.0B
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.