AFRM vs SYF
Affirm Holdings, Inc. and Synchrony Financial, both Financial Services
Synchrony Financial is the larger company at $25B against $25B. On trailing earnings SYF is the cheaper of the two at a P/E of 8.2 against 69.5, a gap that is only a bargain if the two are growing at similar rates. Over the past year SYF returned +16% against -3.2% for AFRM. Ryufin's sector-relative Smart Score puts SYF ahead, 9/10 against 6/10.
| Figure | AFRM | SYF |
|---|---|---|
| Last close | $76.44 | $79.74 |
| Market cap | $25B | $25B |
| Trailing P/Elower is cheaper for the same earnings, not automatically better | 69.5 | 8.2 |
| Dividend yield | n/a | 1.4% |
| 1-year return | -3.2% | +16% |
| 5-year return | +18% | +89% |
| Ryufin Smart Scoresector-relative, 1–10 | 6/10 | 9/10 |
Figures from SEC filings and end-of-day closes. Highlighting marks the higher or lower number, which is not the same as the better investment, a low P/E can be a warning and a high one can be deserved.
Affirm Holdings, Inc.
Revenue of $1.0B in Q3 2026, net income $103M. Its largest reported line is Merchant Network, 80% of the disclosed total.
Synchrony Financial
Revenue of $4.6B in Q1 2026, net income $805M.
Open these two in the interactive comparison to add more names, change the period or read the correlation.