Comprehensive Stock Comparison
Compare FinVolution Group (FINV) vs Synchrony Financial (SYF) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | SYF | 19.7% revenue growth vs FINV's 3.7% |
| Value | FINV | Lower P/E (0.7x vs 7.5x), PEG 0.19 vs 0.83 |
| Quality / Margins | FINV | 18.2% net margin vs SYF's 16.9% |
| Stability / Safety | FINV | Beta 0.60 vs SYF's 1.58, lower leverage |
| Dividends | FINV | 4.3% yield, 4-year raise streak, vs SYF's 1.4% |
| Momentum (1Y) | SYF | +15.9% vs FINV's -28.4% |
| Efficiency (ROA) | FINV | 10.6% ROA vs SYF's 3.1%, ROIC 12.9% vs 11.0% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
FinVolution Group operates a fintech platform connecting individual borrowers with financial institutions in China, primarily serving the underserved consumer finance market. It generates revenue primarily through loan facilitation service fees — charging financial institutions for connecting them with borrowers — and to a lesser extent through post-origination services and guarantee income. Its competitive advantage lies in its proprietary technology platform that automates the lending process and its extensive user base of over 145 million registered customers.
Synchrony Financial is a consumer financial services company that specializes in private label credit cards and installment loans for retail partners. It generates revenue primarily from interest income on its credit products — about 80% of total revenue — along with interchange fees and merchant discount revenue. Its key competitive advantage is deep, long-term partnerships with major retailers — like Amazon, Lowe's, and Walmart — which provide a captive customer base and predictable transaction volume.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
SYF leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). FINV leads in 2 (Profitability & Efficiency, Analyst Outlook). 1 tied.
Financial Metrics (TTM)
SYF is the larger business by revenue, generating $20.8B annually — 1.6x FINV's $13.1B. Profitability is closely matched — net margins range from 18.2% (FINV) to 16.9% (SYF).
| Metric | FINVFinVolution Group | SYFSynchrony Financi… |
|---|---|---|
| RevenueTrailing 12 months | $13.1B | $20.8B |
| EBITDAEarnings before interest/tax | $3.3B | $5.1B |
| Net IncomeAfter-tax profit | $2.8B | $3.6B |
| Free Cash FlowCash after capex | $1.5B | $9.8B |
| Gross MarginGross profit ÷ Revenue | +79.3% | +45.2% |
| Operating MarginEBIT ÷ Revenue | +19.4% | +21.9% |
| Net MarginNet income ÷ Revenue | +18.2% | +16.9% |
| FCF MarginFCF ÷ Revenue | +21.9% | +47.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -2.1% | +47.4% |
Valuation Metrics
At 4.3x trailing earnings, FINV trades at a 47% valuation discount to SYF's 8.1x P/E. Adjusting for growth (PEG ratio), SYF offers better value at 0.90x vs FINV's 1.25x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | FINVFinVolution Group | SYFSynchrony Financi… |
|---|---|---|
| Market CapShares × price | $3.2B | $24.9B |
| Enterprise ValueMkt cap + debt − cash | $2.5B | $25.6B |
| Trailing P/EPrice ÷ TTM EPS | 4.26x | 8.08x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.66x | 7.48x |
| PEG RatioP/E ÷ EPS growth rate | 1.25x | 0.90x |
| EV / EBITDAEnterprise value multiple | 6.57x | 5.09x |
| Price / SalesMarket cap ÷ Revenue | 1.67x | 1.20x |
| Price / BookPrice ÷ Book value/share | 0.65x | 1.67x |
| Price / FCFMarket cap ÷ FCF | 7.62x | 2.53x |
Profitability & Efficiency
SYF delivers a 20.9% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $17 for FINV. FINV carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to SYF's 0.93x. On the Piotroski fundamental quality scale (0–9), SYF scores 8/9 vs FINV's 5/9, reflecting strong financial health.
| Metric | FINVFinVolution Group | SYFSynchrony Financi… |
|---|---|---|
| ROE (TTM)Return on equity | +16.7% | +20.9% |
| ROA (TTM)Return on assets | +10.6% | +3.1% |
| ROICReturn on invested capital | +12.9% | +11.0% |
| ROCEReturn on capital employed | +13.8% | +12.4% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 8 |
| Debt / EquityFinancial leverage | 0.00x | 0.93x |
| Net DebtTotal debt minus cash | -$4.6B | $751M |
| Cash & Equiv.Liquid assets | $4.7B | $14.7B |
| Total DebtShort + long-term debt | $34M | $15.5B |
| Interest CoverageEBIT ÷ Interest expense | — | 1.08x |
Total Returns (with DRIP)
A $10,000 investment in SYF five years ago would be worth $18,520 today (with dividends reinvested), compared to $11,494 for FINV. Over the past 12 months, SYF leads with a +15.9% total return vs FINV's -28.4%. The 3-year compound annual growth rate (CAGR) favors SYF at 26.5% vs FINV's 7.8% — a key indicator of consistent wealth creation.
| Metric | FINVFinVolution Group | SYFSynchrony Financi… |
|---|---|---|
| YTD ReturnYear-to-date | +7.7% | -18.0% |
| 1-Year ReturnPast 12 months | -28.4% | +15.9% |
| 3-Year ReturnCumulative with dividends | +25.2% | +102.4% |
| 5-Year ReturnCumulative with dividends | +14.9% | +85.2% |
| 10-Year ReturnCumulative with dividends | -45.9% | +187.9% |
| CAGR (3Y)Annualised 3-year return | +7.8% | +26.5% |
Risk & Volatility
FINV is the less volatile stock with a 0.60 beta — it tends to amplify market swings less than SYF's 1.58 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SYF currently trades 77.9% from its 52-week high vs FINV's 50.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FINVFinVolution Group | SYFSynchrony Financi… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.60x | 1.58x |
| 52-Week HighHighest price in past year | $11.08 | $88.77 |
| 52-Week LowLowest price in past year | $4.70 | $40.55 |
| % of 52W HighCurrent price vs 52-week peak | +50.7% | +77.9% |
| RSI (14)Momentum oscillator 0–100 | 58.9 | 49.5 |
| Avg Volume (50D)Average daily shares traded | 905K | 3.8M |
Analyst Outlook
Wall Street rates FINV as "Buy" and SYF as "Buy". Consensus price targets imply 30.3% upside for SYF (target: $90) vs 5.7% for FINV (target: $6). For income investors, FINV offers the higher dividend yield at 4.34% vs SYF's 1.44%.
| Metric | FINVFinVolution Group | SYFSynchrony Financi… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $5.94 | $90.08 |
| # AnalystsCovering analysts | 4 | 41 |
| Dividend YieldAnnual dividend ÷ price | +4.3% | +1.4% |
| Dividend StreakConsecutive years of raises | 4 | 3 |
| Dividend / ShareAnnual DPS | $1.67 | $0.99 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.9% | +4.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| FinVolution Group (FINV) | 100 | 260.1 | +160.1% |
| Synchrony Financial (SYF) | 100 | 241.92 | +141.9% |
Synchrony Financial (SYF) returned +85% over 5 years vs FinVolution Group (FINV)'s +15%. A $10,000 investment in SYF 5 years ago would be worth $18,520 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| FinVolution Group (FINV) | $196M | $13.1B | +6576.8% |
| Synchrony Financial (SYF) | $10.9B | $20.8B | +90.8% |
FinVolution Group's revenue grew from $196M (2015) to $13.1B (2024) — a 59.5% CAGR. Synchrony Financial's revenue grew from $10.9B (2015) to $20.8B (2024) — a 7.4% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| FinVolution Group (FINV) | -36.9% | 18.2% | +149.5% |
| Synchrony Financial (SYF) | 20.3% | 16.9% | -17.2% |
FinVolution Group's net margin went from -37% (2015) to 18% (2024). Synchrony Financial's net margin went from 20% (2015) to 17% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| FinVolution Group (FINV) | 0.5 | 0.8 | +60.0% |
| Synchrony Financial (SYF) | 16 | 7.6 | -52.5% |
FinVolution Group has traded in a 0x–1x P/E range over 7 years; current trailing P/E is ~4x. Synchrony Financial has traded in a 5x–16x P/E range over 8 years; current trailing P/E is ~8x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| FinVolution Group (FINV) | -0.6 | 9.05 | +1608.3% |
| Synchrony Financial (SYF) | 2.65 | 8.55 | +222.6% |
FinVolution Group's EPS grew from $-0.60 (2015) to $9.05 (2024). Synchrony Financial's EPS grew from $2.65 (2015) to $8.55 (2024) — a 14% CAGR.
Chart 6Free Cash Flow — 5 Years
FinVolution Group generated $3B FCF in 2024 (+398% vs 2021). Synchrony Financial generated $10B FCF in 2024 (+39% vs 2021).
FINV vs SYF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is FINV or SYF a better buy right now?
FinVolution Group (FINV) offers the better valuation at 4.3x trailing P/E (0.7x forward), making it the more compelling value choice. Analysts rate FinVolution Group (FINV) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — FINV or SYF?
On trailing P/E, FinVolution Group (FINV) is the cheapest at 4.3x versus Synchrony Financial at 8.1x. On forward P/E, FinVolution Group is actually cheaper at 0.7x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: FinVolution Group wins at 0.19x versus Synchrony Financial's 0.83x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — FINV or SYF?
Over the past 5 years, Synchrony Financial (SYF) delivered a total return of +85.2%, compared to +14.9% for FinVolution Group (FINV). A $10,000 investment in SYF five years ago would be worth approximately $19K today (assuming dividends reinvested). Over 10 years, the gap is even starker: SYF returned +187.9% versus FINV's -45.9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FINV or SYF?
By beta (market sensitivity over 5 years), FinVolution Group (FINV) is the lower-risk stock at 0.60β versus Synchrony Financial's 1.58β — meaning SYF is approximately 162% more volatile than FINV relative to the S&P 500. On balance sheet safety, FinVolution Group (FINV) carries a lower debt/equity ratio of 0% versus 93% for Synchrony Financial — giving it more financial flexibility in a downturn.
05Which has better profit margins — FINV or SYF?
FinVolution Group (FINV) is the more profitable company, earning 18.2% net margin versus 16.9% for Synchrony Financial — meaning it keeps 18.2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SYF leads at 21.9% versus 19.4% for FINV. At the gross margin level — before operating expenses — FINV leads at 79.3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is FINV or SYF more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, FinVolution Group (FINV) is the more undervalued stock at a PEG of 0.19x versus Synchrony Financial's 0.83x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, FinVolution Group (FINV) trades at 0.7x forward P/E versus 7.5x for Synchrony Financial — 6.8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SYF: 30.3% to $90.08.
07Which pays a better dividend — FINV or SYF?
All stocks in this comparison pay dividends. FinVolution Group (FINV) offers the highest yield at 4.3%, versus 1.4% for Synchrony Financial (SYF).
08Is FINV or SYF better for a retirement portfolio?
For long-horizon retirement investors, FinVolution Group (FINV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.60), 4.3% yield). Synchrony Financial (SYF) carries a higher beta of 1.58 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (FINV: -45.9%, SYF: +187.9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between FINV and SYF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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