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