Is SOFI or SYF more undervalued in 2026?

CirclFi compares SoFi Technologies, Inc. (SOFI) and Synchrony Financial (SYF) using 13 institutional-grade valuation models. SOFI has a Quality of Company score of 6.8/10 while SYF scores 8.3/10.

Which is a better buy — SOFI or SYF?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do SOFI and SYF valuations compare?

SOFI at $18.22 and SYF at $71.44 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SOFI vs SYF Valuation Comparison 2026 — Intrinsic Value Analysis

SOFI

Finance Services

SoFi Technologies, Inc.

Quality

6.8

out of 10

Value Trap

LOW

Price

$18.22

Last close

Models

12/13

Active

SYF

Finance Services

Synchrony Financial

Quality

8.3

out of 10

Value Trap

SAFE

Price

$71.44

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	SOFI Fair Value	SOFI Upside	SYF Fair Value	SYF Upside
Bayesian DCF	Intrinsic	$2.46	-86.5%	$109.12	+52.7%
Earnings Power Value	Intrinsic	$10.60	-41.8%	$87.90	+23.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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SOFI vs SYF — Which Stock Is More Undervalued?

SYF scores higher with a 8.3/10 quality rating vs SOFI's 6.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing SoFi Technologies, Inc. (SOFI) and Synchrony Financial (SYF) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

SOFI currently trades at $18.22 with a QOC of 6.8/10, while SYF trades at $71.44 with a QOC of 8.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).