SYF vs VRM

Synchrony Financial vs Vroom, Inc. — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — SYF scores higher on quality with 8.3/10 vs VRM's 4.4/10. SYF trades at $70.97 while VRM trades at $11.02. Both analyzed daily using SEC EDGAR data across 13 institutional models.

SYF

Credit Services
Synchrony Financial
Quality
8.3
out of 10
Value Trap
20
SAFE
Price
$70.97
Last close
Models
11/13
Active
VS

VRM

Credit Services
Vroom, Inc.
Quality
4.4
out of 10
Value Trap
32
LOW
Price
$11.02
Last close
Models
7/13
Active
SYF
Bayesian DCF sees +53.8% upside
Limited to 2/13 visible models
VRM
2 models active
Quality 4.4/10 — below average

SYF vs VRM — Fair Value Comparison

SYF
$0$43$86$129 Price$70.97 Bayesian …$109.12 (+53.8%) Earnings …$86.64 (+22.1%)
VRM
$0$4$9$13 Price$11.02 ML-RIV$2.22 (-82.0%) EROIC Spr…$5.12 (-53.5%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType SYF Fair ValueSYF Upside VRM Fair ValueVRM Upside
Bayesian DCF Intrinsic $109.12 +53.8% — —
Earnings Power Value Intrinsic $86.64 +22.1% — —
EROIC Spread Intrinsic $38.42 -45.9% $5.12 -53.5%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $202.18 +184.9% $2.22 -82.0%
Dynamic NAV Asset-Based $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

SYF vs VRM — Which Stock Is More Undervalued in 2026?

SYF scores higher with a 8.3/10 quality rating vs VRM's 4.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do SYF and VRM Valuations Compare?

SYF currently trades at $70.97 while VRM trades at $11.02. 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 for both companies.

Quality of Company: SYF vs VRM

SYF earns a Quality of Company score of 8.3/10 compared to VRM's 4.4/10. This is a significant quality gap — the higher-scoring company demonstrates materially stronger fundamentals across profitability, growth consistency, and balance sheet health. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: SYF vs VRM

SYF carries a SAFE value trap risk (20/100) while VRM shows LOW risk (32/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.

Both in Credit Services

Both SYF and VRM operate in Credit Services, which has 52 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. 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), and ensemble methods (CUCE).

2 of 13 MODELS UNLOCKED

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11 hidden models compare SYF vs VRM differently — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more. Some may disagree with the 2 you see above.

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SYF
View Full Synchrony Financial Analysis →
VRM
View Full Vroom, Inc. Analysis →
See all Credit Services stocks →