SoFi Technologies vs Synchrony Financial
Add, change or remove companies; up to four.
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 β2.8%).
- Investors pay more for each dollar of SoFi Technologiesβs earnings: a P/E of 29.8x against 7.7x for Synchrony Financial.
| Latest fiscal year | SOFI Β· FY25 | SYF Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $18.3B | $27.5B |
| Revenue | $3.6B | $19.0B |
| Free cash flow | β | β |
| Net income | $481M | $3.6B |
| Growth | ||
| Revenue growth | 35.1% | β2.8% |
| 5-year growth | 44.9% | 5.1% |
| Share count change | 13.7% | β6.7% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 13.3% | 18.7% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 5.7% | 21.3% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $0.0M | $3.4B |
| Valuation & quality | ||
| P/E | 29.8x | 7.7x |
| Piotroski F-score | β | β |
Revenue
FY16
SOFI β
SYF $13.9B
FY17
SOFI β
SYF $15.3B
FY18
SOFI β
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
SOFI
SYF
Operating margin
FY16
SOFI β
SYF β
FY17
SOFI β
SYF β
FY18
SOFI β
SYF β
FY19
SOFI β
SYF β
FY20
SOFI β
SYF β
FY21
SOFI β
SYF β
FY22
SOFI β
SYF β
FY23
SOFI β
SYF β
FY24
SOFI β
SYF β
FY25
SOFI β
SYF β
SOFI
SYF
Free cash flow
FY16
SOFI β
SYF β
FY17
SOFI β
SYF β
FY18
SOFI β
SYF β
FY19
SOFI β
SYF β
FY20
SOFI β
SYF β
FY21
SOFI β
SYF β
FY22
SOFI β
SYF β
FY23
SOFI β
SYF β
FY24
SOFI β
SYF β
FY25
SOFI β
SYF β
SOFI
SYF
Return on capital
FY16
SOFI β
SYF β
FY17
SOFI β
SYF β
FY18
SOFI β
SYF β
FY19
SOFI β
SYF β
FY20
SOFI β
SYF β
FY21
SOFI β
SYF β
FY22
SOFI β
SYF β
FY23
SOFI β
SYF β
FY24
SOFI β
SYF β
FY25
SOFI β
SYF β
SOFI
SYF
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.