AFRM vs SYF
Affirm Holdings, Inc. and Synchrony Financial, both Financial Services
Affirm Holdings, Inc. is the larger company at $24B against $23B. On trailing earnings SYF is the cheaper of the two at a P/E of 7.7 against 12.7, a gap that is only a bargain if the two are growing at similar rates. Over the past year SYF returned +6.1% against +1.5% for AFRM.
| Figure | AFRM | SYF |
|---|---|---|
| Last close | $70.10 | $73.64 |
| Market cap | $24B | $23B |
| Trailing P/Elower is cheaper for the same earnings, not automatically better | 12.7 | 7.7 |
| Dividend yield | n/a | 1.6% |
| 1-year return | +1.5% | +6.1% |
| 5-year return | -48% | +67% |
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 $1.2B in Q4 2026, net income $1.6B. Its largest reported line is Merchant Network, 78% of the disclosed total.
Synchrony Financial
Revenue of $4.8B in Q3 2026, net income $892M.
Open these two in the interactive comparison to add more names, change the period or see the correlation.