SoFi Technologies, Inc. vs Synchrony Financial, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
SoFi earns 5.3% on equity building a full-stack digital bank; Synchrony earns 21.9% running the store-card book it has run for decades, and the fourfold return gap runs against the fourfold multiple gap: 39.7 times for SoFi, 8.1 for Synchrony. Net margins land 14.6% and 19.3%, incumbent ahead. Synchrony pays 1.5% in dividends; SoFi retains and grows, its negative 25.8% free-cash figure the standard disguise of a lender scaling its book. The market pays for SoFi's slope and discounts Synchrony's level; the pair is the sector's cleanest version of that trade, with the returns tables voting incumbent and the multiples voting challenger.
Comparison updated 2026-07-10.
| Metric | SOFI | SYF |
|---|---|---|
| Price | $17.86 | $78.62 |
| Market cap | $24.6B | $27.2B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | 39.7 | 8.1 |
| P/B | 2.28 | 1.65 |
| P/S | 6.24 | 1.46 |
| EV/EBITDA | 313.9 | 161.3 |
| Revenue growth | +40.7% | +3.1% |
| Net margin | 14.6% | 19.3% |
| Return on equity | 5.3% | 21.9% |
| Return on assets | 1.1% | 3.0% |
| Dividend yield | — | 1.5% |
| Debt / equity | 0.00 | 1.00 |
| Altman Z (solvency) | 0.40 | 0.60 |
| Piotroski F (quality) | 6 / 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.