COMP <GO>
SOFI vs SYF // OPTIONS IMPLIED MOVE & PUT/CALL SKEW
SoFi Technologies Inc. (NASDAQ) VS. Synchrony Financial (NYSE) • 15-METRIC TALLY: SOFI 4
— SYF 8
■ METRIC PARITY
LAST: $16.76 (-4.83%) • MKT CAP: $22.74B
options-implied-move
—
LAST: $75.35 (-2.10%) • MKT CAP: $23.97B
options-implied-move
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SOFI VS. SYF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SOFI | SYF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.10% | 7.60% | -5.50 | SYF | /roic <GO> |
| EV/EBITDA & P/E Valuation | 56.8x | 11.3x | +45.50 | SYF | /valuation <GO> |
| Free Cash Flow Yield | -16.58% | 22.00% | -38.58 | SYF | /fcf-yield <GO> |
| Operating Margin | 75.00% | 64.60% | +10.40 | SOFI | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 52.90% | +15.10 | SOFI | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | -1.10% | +24.20 | SOFI | /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 | 3/9 | 7/9 | -4.00 | SYF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew ACTIVE | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.1 | 59.3 | +2.80 | SOFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.13 | 1.16 | -0.03 | SYF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 39.7x | 6.2x | +33.50 | SYF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $22.74B | $23.97B | -$1.22B | SYF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SOFI REV | SYF REV | SOFI GROSS % | SYF GROSS % | SOFI FCF | SYF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $619.4M | $0 | — | — | -$3.77B | $9.85B |
| FY 2024 | $503.1M | $0 | — | — | -$1.14B | $9.85B |
| FY 2023 | $421.5M | $0 | — | — | -$7.25B | $8.59B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SOFI // BETA 1.13
SYF // BETA 1.16