Sifting through countless of stocks in the Consumer Finance 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 SoFi Technologies, 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 SoFi Technologies, Inc. and Synchrony Financial compare based on key financial metrics to determine which better meets your investment needs.

About SoFi Technologies, Inc. and Synchrony Financial

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees’ behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.

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 Consumer Finance and SoFi Technologies, Inc., Synchrony Financial Stock News

As of September 4, 2026, SoFi Technologies, Inc. had a $23.5 billion market capitalization, compared to the Consumer Finance median of $1.0 million. SoFi Technologies, Inc.’s stock is down 30.4% in 2026, up 0.9% in the previous five trading days and down 28.21% in the past year.

Currently, SoFi Technologies, Inc.’s price-earnings ratio is 38.4. SoFi Technologies, Inc.’s trailing 12-month revenue is $4.3 billion with a 14.9% net profit margin. Year-over-year quarterly sales growth most recently was 42.6%. Analysts expect adjusted earnings to reach $0.601 per share for the current fiscal year. SoFi Technologies, Inc. does not currently pay a dividend.

As of September 4, 2026, Synchrony Financial had a $26.0 billion market cap, putting it in the 88th percentile of all stocks. Synchrony Financial’s stock is down 4.2% in 2026, up 2.4% in the previous five trading days and up 3.98% in the past year.

Currently, Synchrony Financial’s price-earnings ratio is 8.2. 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%. There are no analysts providing consensus earnings estimates for the current fiscal year. Synchrony Financial currently has a 1.7% dividend yield.

How We Compare SoFi Technologies, 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 SoFi Technologies, Inc. and Synchrony Financial’s stock grades to see how they measure up against one another.

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SoFi Technologies, Inc. and Synchrony Financial Growth Grades

Company	Ticker	Growth
SoFi Technologies, Inc.	SOFI	D
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.

SoFi Technologies, Inc. has a Growth Score of 29, which is 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 SoFi Technologies, 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.

SoFi Technologies, Inc. and Synchrony Financial’s Momentum Grades

Company	Ticker	Momentum
SoFi Technologies, Inc.	SOFI	D
Synchrony Financial	SYF	C

Momentum grades help to 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. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

SoFi Technologies, Inc. has a Momentum Score of 30, which is Weak. Synchrony Financial has a Momentum Score of 52, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither SoFi Technologies, Inc. or Synchrony Financial has a strong enough Momentum Grade to be considered a “winner.” Investors 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 SoFi Technologies, Inc. or Synchrony Financial is the better investment when it comes to momentum.

SoFi Technologies, Inc. and Synchrony Financial’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
SoFi Technologies, Inc.	SOFI	B
Synchrony Financial	SYF	B

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

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

SoFi Technologies, Inc. has a Earnings Estimate Score of 73, which is Positive. Synchrony Financial has a Earnings Estimate Score of 65, which is Positive.

The Earnings Estimate Revisions Grade Winner: It’s a Tie!

Looking at the Earnings Estimate Revisions Grade breakdown above, both SoFi Technologies, Inc. and Synchrony Financial have a grade of B. For those focusing solely on a company’s estimate revisions, other financial metrics will need to be evaluated to determine whether SoFi Technologies, Inc. or Synchrony Financial is a better fit.

Other SoFi Technologies, Inc. and Synchrony Financial Grades

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

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 Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite 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 F-Score.

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 SoFi Technologies, 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, SoFi Technologies, Inc. or Synchrony Financial Stock?

Overall, SoFi Technologies, Inc. stock has a Growth Score of 29, Momentum Score of 30 and Estimate Revisions Score of 73.

Synchrony Financial stock has a Growth Score of 64, Momentum Score of 52 and Estimate Revisions Score of 65.

Comparing SoFi Technologies, 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.