COMP <GO>
AFRM vs SYF // FORWARD P/E MULTIPLE
Affirm Holdings Inc. (NASDAQ) VS. Synchrony Financial (NYSE) • 15-METRIC TALLY: AFRM 3
— SYF 7
■ METRIC PARITY
LAST: $73.47 (-1.83%) • MKT CAP: $25.36B
forward-pe
—
LAST: $75.35 (-2.10%) • MKT CAP: $23.97B
forward-pe
6.2x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AFRM VS. SYF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AFRM | SYF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -1.20% | 7.60% | -8.80 | SYF | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 11.3x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.37% | 22.00% | -19.63 | SYF | /fcf-yield <GO> |
| Operating Margin | -7.80% | 64.60% | -72.40 | SYF | /operating-margins <GO> |
| Net Profit Margin | 4.70% | 52.90% | -48.20 | SYF | /net-margins <GO> |
| Revenue Growth (YoY) | 34.90% | -1.10% | +36.00 | AFRM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.78% | -1.78 | SYF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | AFRM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.2 | 59.3 | -6.10 | SYF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.16 | -0.20 | SYF | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | — | 6.2x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $25.36B | $23.97B | $1.40B | AFRM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AFRM REV | SYF REV | AFRM GROSS % | SYF GROSS % | AFRM FCF | SYF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.11B | $0 | — | — | $601.7M | $9.85B |
| FY 2024 | $826.0M | $0 | — | — | $290.8M | $9.85B |
| FY 2023 | $626.9M | $0 | — | — | -$16.0M | $8.59B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AFRM // BETA 0.96
SYF // BETA 1.16