SoFi Technologies, Inc.
2.63xPrice / tangible book
Market cap
$23.27B
Tangible equity
$8.86B
Price / tangible book
2.63x
Price / book
2.22x
Return on equity
4.6%
Return on assets
1.0%
Efficiency ratio
219.2%
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: SOFI stock price vs SYF: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at SYF's multiple
Needs SYF P/E.
Implied fair value · at SOFI's multiple
Metric by metric
Price unavailable
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability lag
Asset efficiency lag
More efficient
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: SOFI FY 2025 (ended Dec 31, 2025) · SYF FY 2025 (ended Dec 31, 2025).
Trendline
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / tangible book
Market cap
$23.27B
Tangible equity
$8.86B
Price / tangible book
2.63x
Price / book
2.22x
Return on equity
4.6%
Return on assets
1.0%
Efficiency ratio
219.2%
Price / book
Market cap
—
Tangible equity
$14.15B
Price / tangible book
—
Price / book
—
Return on equity
21.2%
Return on assets
3.0%
Efficiency ratio
987.5%
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
SoFi Technologies, Inc. · implied price per share
Latest annual free cash flow must be positive to qualify the filing-backed baseline.
Synchrony Financial · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
3.81x
0.91x
Net debt / EBITDA
Leverage against operating earnings
19.98x
0.02x
Cash and equivalents
Liquid reserves on the balance sheet
$4.93B
$14.97B
Total debt
Interest-bearing obligations outstanding
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
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SOFI vs C
$39.97B
$15.18B
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe SOFI can sustain its 23.1% revenue growth while improving its weak 2/9 Piotroski score, then holding or selectively adding makes sense because the stock already trades near the top of its historical band and the upside case depends on execution rather than obvious valuation discount.
SOFI trades at $18.70, which sits inside the historical band of $16.83-$20.57 and above the DCF range of $3.00-$4.06, suggesting the market is pricing in a meaningful growth premium. Versus SYF, the valuation comparison is constrained because SOFI has no provided P/E or P/S, while SYF shows 8.5x P/E and 49.5x P/S, making direct multiple-based judgment incomplete.
Supporting Metrics