SoFi Technologies vs Synchrony Financial
Synchrony Financial reported revenue of $19.0 billion in fiscal 2025, 5.3 times SoFi Technologies' $3.6 billion in fiscal 2025. SoFi Technologies' revenue grew 35.1% in its latest year, and Synchrony Financial's fell 2.8%. SoFi Technologies had a return on equity of 5.7%, against 21.3% at Synchrony Financial.
Side by side
| SoFi Technologies | Synchrony Financial | |
|---|---|---|
| Latest fiscal year | FY2025, Dec 31, 2025 | FY2025, Dec 31, 2025 |
| Revenue | $3.6B | $19.0B |
| Revenue growth | 35.1% | −2.8% |
| Revenue growth a year, last 5 years | 44.9% | 5.1% |
| Net income | $481M | $3.6B |
| Return on equity | 5.7% | 21.3% |
| Return on tangible common equity | 7.0% | 24.6% |
| Efficiency ratio | 84.6% | 27.1% |
| Dividends and buybacks | $0M | $3.4B |
| Change in diluted share count | 13.7% | −6.7% |
| Last close | $14.46 | $74.83 |
| P/E at the last close | 29.5× | 7.8× |
| Insider trades, last 12 months | bought $2.5 million, sold $11.7 million | sold $47.7 million |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
SoFi TechnologiesSynchrony Financial
Return on equity
Percent. Net income over average equity.
SoFi TechnologiesSynchrony Financial
Net income
US$ billions
SoFi TechnologiesSynchrony Financial
Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the SoFi Technologies and Synchrony Financial pages.