` Comparison: SOFI, SYF - Alpha Spread

SOFI
vs
SYF

Over the past 12 months, SOFI has significantly outperformed SYF, delivering a return of +78% compared to the SYF's +18% growth.

Valuation Growth Profitability Solvency Stocks Performance
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SOFI
SYF
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Stocks Compared:
SOFI SYF
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Valuation Comparison

SOFI Intrinsic Value
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SYF Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
SoFi Technologies Inc
NASDAQ:SOFI
27.78 USD
Synchrony Financial
NYSE:SYF
80.36 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SOFI, SYF

SOFI
SYF
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
SoFi Technologies Inc
Revenue
Synchrony Financial
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
SOFI, SYF

SOFI
SYF
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
SoFi Technologies Inc
NASDAQ:SOFI
FCF is not applicable for financial companies
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SOFI
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

Operating Margin

SOFI
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

Net Margin

SOFI
19.3%
SYF
18.6%

FCF Margin

SOFI
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

ROE

SOFI
8.6%
SYF
21.1%

ROA

SOFI
1.6%
SYF
3%

ROIC

SOFI
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

ROCE

SOFI
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
SoFi Technologies Inc
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SOFI, SYF

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SOFI
SYF
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Performance Gap
SOFI, SYF

Performance Gap Between SOFI and SYF
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Performance By Year
SOFI, SYF

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SOFI
SYF
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