SOFI
SoFi Technologies, Inc.
SOFI has the edge over SYF overall, supported by stronger fundamentals and stronger valuation.
SYF
Synchrony Financial
SYF has lower modeled downside risk, despite its lower overall score.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
SYF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
SYF's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SYF.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over SYF in the historical PE scenario, which offers more potential upside but is not a forecast.
SYF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.2x | $49.53 | -31% |
| Fair | 7x | $67.12 | -6.3% |
| Forward | 7.1x | $71.66 | — |
| Current | 7.5x | $71.66 | — |
| Expensive | 8.9x | $85.17 | +19% |
Historical ranges are pointers, not guarantees.
SYF's PE is in its fair range at 7.5x. If earnings grow as analysts expect, today's price would be 7.1x next year's earnings.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over SYF on the outlook, with more favorable valuation and revenue expectations.
SYF Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect SYF's earnings to grow and its profitability to improve, with its revenue holding steady.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
SYF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $10.03 | +4.8% |
| Q3 2026 | $9.57 | +4.4% |
| Q2 2026 | $9.75 | +18% |
| Q1 2026 | $9.66 | +32% |
| Q4 2025 | $9.28 | +8.5% |
| Q3 2025 | $9.17 | +20% |
| Q2 2025 | $8.25 | +14% |
| Q1 2025 | $7.30 | +4.6% |
| Q4 2024 | $8.55 | +65% |
SYF has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over SYF on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
SYF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $4.9B | +1.4% |
| Q2 2026 | $4.7B | +2.3% |
| Q1 2026 | $4.8B | +3.4% |
| Q4 2025 | $4.9B | +3.5% |
| Q3 2025 | $4.8B | +2.5% |
| Q2 2025 | $4.6B | +2.6% |
| Q1 2025 | $4.6B | -17% |
| Q4 2024 | $4.7B | +4% |
SYF's revenue grew through 2024 and has held roughly level since: $4.9B last quarter, up 1.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 24% | -5.4 points |
| Q2 2026 | 25% | -2.1 points |
| Q1 2026 | 22% | +0.6 points |
| Q4 2025 | 19% | -1.1 points |
| Q3 2025 | 29% | +7.7 points |
| Q2 2025 | 27% | +8.4 points |
| Q1 2025 | 21% | -9.4 points |
| Q4 2024 | 21% | +8.7 points |
SYF has the edge over SOFI on profitability, with a higher operating margin.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
SYF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.5B | -5.3% |
| Q2 2026 | $2.4B | -5.5% |
| Q1 2026 | $2.2B | -0.8% |
| Q4 2025 | $2.5B | +4.3% |
| Q3 2025 | $2.6B | -4.6% |
| Q2 2025 | $2.6B | +3.1% |
| Q1 2025 | $2.2B | -2.1% |
| Q4 2024 | $2.4B | +1.6% |
SYF has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
SYF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -3.5% | -11.7M shares |
| 1 year | -13% | -47.5M shares |
| 3 years | -23% | -96M shares |
| 5 years | -43% | -243M shares |
| Available history | -52% | -351M shares |
SYF has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $878M |
| Q1 2026 | $900M |
| Q4 2025 | $962M |
| Q3 2025 | $870M |
| Q2 2025 | $504M |
| Q1 2025 | $605M |
| Q4 2024 | $101M |
SYF spent $3.8B buying back its own shares over the past year, up 85% from the year before.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over SYF on leverage, with a lower net debt burden relative to earnings.
SYF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.2x | Very low |
| Q2 2026 | 0.1x | Very low |
| Q1 2026 | -0.8x | Net Cash |
| Q4 2025 | 0.0x | Very low |
| Q3 2025 | -0.4x | Net Cash |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -1.1x | Net Cash |
| Q4 2024 | 0.2x | Very low |
SYF's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like SYF.
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
SYF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.1 | Neutral |
| Stochastic | 33.4 | Neutral |
SYF's weekly RSI is 44 (neutral) and its Stochastic is 33 (neutral).
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
SYF PE vs Financial Services Sector
| Metric | SYF | Sector median | Relative |
|---|---|---|---|
| PE | 7.5x | 13x | 42% below |
| PE % | 58 | 63 | 5 pts below |
SYF has the edge over SOFI on valuation relative to its sector.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
SYF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $73.2 | 2.1% below |
| 20 week MA | $75.2 | 4.8% below |
| 50 week MA | $75.0 | 4.4% below |
| 100 week MA | $70.1 | 2.2% above |
| 200 week MA | $55.1 | 30% above |
SYF has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.
SYF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.3 | $34.0 | -6.4% |
| 2021 | $34.0 | $46.2 | +36% |
| 2022 | $46.2 | $32.8 | -29% |
| 2023 | $32.8 | $38.2 | +17% |
| 2024 | $38.2 | $65.9 | +73% |
| 2025 | $65.9 | $86.0 | +30% |
| 2026 YTD | $86.0 | $71.7 | -17% |
SYF has the edge over SOFI on returns for 2026, with the stronger performance.