Rocket Companies, Inc. vs Synchrony Financial, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
115.15 next to 8.14 is the whole page: Rocket's trough multiple and Synchrony's permanent-discount one, fourteen times apart for two consumer-credit franchises of similar market value once, though not today, $43B against $27B. Synchrony earns now, a 19.3% net margin, 21.9% on equity, 1.5% dividend; Rocket earns barely, 2.8% net at the cycle bottom, with Redfin and Mr. Cooper aboard for the recovery. The market pays fourteen times more per current dollar for the cyclical's future than the incumbent's present. Store cards against mortgages, losses feared against rates awaited: the pair prices two recoveries, one of which is already being collected in dividends.
Comparison updated 2026-07-10.
| Metric | RKT | SYF |
|---|---|---|
| Price | $14.97 | $78.62 |
| Market cap | $42.6B | $27.2B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | 115.2 | 8.1 |
| P/B | 1.83 | 1.65 |
| P/S | 4.99 | 1.46 |
| EV/EBITDA | 123.1 | 161.3 |
| Revenue growth | +92.1% | +3.1% |
| Net margin | 2.8% | 19.3% |
| Return on equity | 1.0% | 21.9% |
| Return on assets | 0.4% | 3.0% |
| Dividend yield | — | 1.5% |
| Debt / equity | 0.45 | 1.00 |
| Altman Z (solvency) | 0.86 | 0.60 |
| Piotroski F (quality) | 8 / 9 | 7 / 9 |
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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.