Sifting through countless of stocks in the Financial Services industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Rocket Companies, Inc. or Synchrony Financial because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Rocket Companies, Inc. and Synchrony Financial compare based on key financial metrics to determine which better meets your investment needs.

About Rocket Companies, Inc. and Synchrony Financial

Rocket Companies, Inc., a fintech company, engages in the mortgage, real estate, and personal finance businesses in the United States and Canada. It operates in two segments, Direct to Consumer and Partner Network. The company offers Rocket Mortgage, a mortgage lender service; Redfin, a digital real estate brokerage and home search platform; Rocket Close, a digital experience for appraisal management, settlement, and title services; Rocket Money, a finance app that offers a suite of financial wellness services including subscription cancellation, budget management and credit score improvement; and Rocket Loans, a platform for personal loan. It also originates, closes, sells, and services agency-conforming loans; and provides Rocket Pro that works with mortgage brokers, community banks, and credit unions, to maintain own brand and client relationships. Rocket Companies, Inc. was founded in 1985 and is headquartered in Detroit, Michigan. Rocket Companies, Inc. was formerly a subsidiary of Rock Holdings Inc.

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Latest Financial Services and Rocket Companies, Inc., Synchrony Financial Stock News

As of September 2, 2026, Rocket Companies, Inc. had a $38.4 billion market capitalization, compared to the Financial Services median of $2.3 million. Rocket Companies, Inc.’s stock is down 27.1% in 2026, down 0.9% in the previous five trading days and down 20.98% in the past year.

Currently, Rocket Companies, Inc.’s price-earnings ratio is 76.6. Rocket Companies, Inc.’s trailing 12-month revenue is $10.2 billion with a 4.6% net profit margin. Year-over-year quarterly sales growth most recently was 91.9%. Analysts expect adjusted earnings to reach $0.618 per share for the current fiscal year. Rocket Companies, Inc. does not currently pay a dividend.

As of September 2, 2026, Synchrony Financial had a $25.5 billion market cap, putting it in the 88th percentile of all stocks. Synchrony Financial’s stock is down 4.6% in 2026, down 0.5% in the previous five trading days and up 3.66% in the past year.

Currently, Synchrony Financial’s price-earnings ratio is 8.0. Synchrony Financial’s trailing 12-month revenue is $9.9 billion with a 35.5% net profit margin. Year-over-year quarterly sales growth most recently was 0.6%. Analysts expect adjusted earnings to reach $9.365 per share for the current fiscal year. Synchrony Financial currently has a 1.7% dividend yield.

How We Compare Rocket Companies, Inc. and Synchrony Financial Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Rocket Companies, Inc. and Synchrony Financial’s stock grades to see how they measure up against one another.

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Rocket Companies, Inc. and Synchrony Financial Stock Value Grades

Company	Ticker	Value
Rocket Companies, Inc.	RKT	D
Synchrony Financial	SYF	A

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Rocket Companies, Inc. has a Value Score of 31, which is Expensive. Synchrony Financial has a Value Score of 92, which is Deep Value.

The Value Stock Winner: Synchrony Financial

As you can clearly see from the Value Grade breakdown above, Synchrony Financial is considered to have better value than Rocket Companies, Inc.. For investors who focus solely on a company’s valuation, Synchrony Financial could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Rocket Companies, Inc. and Synchrony Financial Growth Grades

Company	Ticker	Growth
Rocket Companies, Inc.	RKT	F
Synchrony Financial	SYF	B

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Rocket Companies, Inc. has a Growth Score of 6, which is Very Weak. Synchrony Financial has a Growth Score of 64, which is Strong.

The Growth Grade Winner: Synchrony Financial

As you can clearly see from the Growth Grade breakdown above, Synchrony Financial has a more attractive growth grade than Rocket Companies, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, Synchrony Financial could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Rocket Companies, Inc. and Synchrony Financial’s Quality Grades

Company	Ticker	Quality
Rocket Companies, Inc.	RKT	D
Synchrony Financial	SYF	C

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Rocket Companies, Inc. has a Quality Score of 26, which is Weak. Synchrony Financial has a Quality Score of 50, which is Average.

The Quality Stock Winner: No Clear Winner

Neither Rocket Companies, Inc. or Synchrony Financial has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Rocket Companies, Inc. or Synchrony Financial is the better investment when it comes to quality.

Other Rocket Companies, Inc. and Synchrony Financial Grades

In addition to Value, Quality and Growth, A+ Investor also provides grades for Momentum and Estimate Revisions.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Rocket Companies, Inc. and Synchrony Financial pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Rocket Companies, Inc. or Synchrony Financial Stock?

Overall, Rocket Companies, Inc. stock has a Value Score of 31, Growth Score of 6 and Quality Score of 26.

Synchrony Financial stock has a Value Score of 92, Growth Score of 64 and Quality Score of 50.

Comparing Rocket Companies, Inc. and Synchrony Financial’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.