Qfin Holdings, Inc. vs Synchrony Financial, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Qfin and Synchrony both live on consumer credit, one as a Chinese matchmaking platform that keeps no loans, the other as an American store-card lender that keeps them all. The platform out-margins the lender, 31.1% net against 19.3%, and out-returns it on assets, 10.5% against 3%, holding no credit risk; the lender pays the dividend, 1.5%, and carries the recession exposure. The multiples sit at 5 and 8.1 times, both deep discounts for different fears, regulation and losses respectively. Free-cash yields of 36% at both are a coincidence of artifacts. Two cheap consumer-credit franchises on facing pages; the fears differ, the prices barely do.
Comparison updated 2026-07-10.
| Metric | QFIN | SYF |
|---|---|---|
| Price | $15.82 | $78.62 |
| Market cap | $4.3B | $27.2B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| P/E | 5.0 | 8.1 |
| P/B | 1.25 | 1.65 |
| P/S | 1.57 | 1.46 |
| EV/EBITDA | 3.8 | 161.3 |
| Revenue growth | +1.7% | +3.1% |
| Operating margin | 34.8% | — |
| Net margin | 31.1% | 19.3% |
| Return on equity | 24.7% | 21.9% |
| Return on assets | 10.5% | 3.0% |
| Dividend yield | — | 1.5% |
| Debt / equity | 0.00 | 1.00 |
| Current ratio | 2.43 | — |
| Altman Z (solvency) | 2.49 | 0.60 |
| Piotroski F (quality) | 6 / 9 | 7 / 9 |
Each week boothcheck ranks the stocks whose prices are betting on the most. Read the most stretched bets archive →
boothcheck is also on Android. Get the app on Google Play →
The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.