SYF
Price
$72.90
Change
+$1.09 (+1.52%)
Updated
Jul 25 closing price
Capitalization
17.54B
93 days until earnings call
UPST
Price
$82.70
Change
-$0.00 (-0.00%)
Updated
Jul 25 closing price
Capitalization
2.28B
9 days until earnings call
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SYF vs UPST

Header iconSYF vs UPST Comparison
Open Charts SYF vs UPSTBanner chart's image
Synchrony Financial
Price$72.90
Change+$1.09 (+1.52%)
Volume$3.27M
Capitalization17.54B
Upstart Holdings
Price$82.70
Change-$0.00 (-0.00%)
Volume$28.27K
Capitalization2.28B
SYF vs UPST Comparison Chart in %
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SYF
Daily Signalchanged days ago
Gain/Loss if bought
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UPST
Daily Signalchanged days ago
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SYF vs. UPST commentary
Jul 27, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is SYF is a Buy and UPST is a Hold.

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COMPARISON
Comparison
Jul 27, 2025
Stock price -- (SYF: $72.90 vs. UPST: $82.70)
Brand notoriety: SYF: Notable vs. UPST: Not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: SYF: 98% vs. UPST: 1%
Market capitalization -- SYF: $17.54B vs. UPST: $2.28B
SYF [@Finance/Rental/Leasing] is valued at $17.54B. UPST’s [@Finance/Rental/Leasing] market capitalization is $2.28B. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $573.25B to $0. The average market capitalization across the [@Finance/Rental/Leasing] industry is $12.87B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

SYF’s FA Score shows that 4 FA rating(s) are green whileUPST’s FA Score has 0 green FA rating(s).

  • SYF’s FA Score: 4 green, 1 red.
  • UPST’s FA Score: 0 green, 5 red.
According to our system of comparison, SYF is a better buy in the long-term than UPST.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

SYF’s TA Score shows that 4 TA indicator(s) are bullish while UPST’s TA Score has 3 bullish TA indicator(s).

  • SYF’s TA Score: 4 bullish, 5 bearish.
  • UPST’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, SYF is a better buy in the short-term than UPST.

Price Growth

SYF (@Finance/Rental/Leasing) experienced а +4.08% price change this week, while UPST (@Finance/Rental/Leasing) price change was +5.54% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.70%. For the same industry, the average monthly price growth was +32.37%, and the average quarterly price growth was +18.44%.

Reported Earning Dates

SYF is expected to report earnings on Oct 28, 2025.

UPST is expected to report earnings on Aug 05, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (+0.70% weekly)

A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).

SUMMARIES
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FUNDAMENTALS
Fundamentals
SYF($17.5B) has a higher market cap than UPST($2.28B). UPST has higher P/E ratio than SYF: UPST (20.04) vs SYF (8.04). UPST YTD gains are higher at: 34.319 vs. SYF (13.188). UPST has less debt than SYF: UPST (1.1B) vs SYF (16B). SYF has higher revenues than UPST: SYF (13.6B) vs UPST (508M).
SYFUPSTSYF / UPST
Capitalization17.5B2.28B767%
EBITDAN/AN/A-
Gain YTD13.18834.31938%
P/E Ratio8.0420.0440%
Revenue13.6B508M2,677%
Total CashN/AN/A-
Total Debt16B1.1B1,451%
FUNDAMENTALS RATINGS
SYF: Fundamental Ratings
SYF
OUTLOOK RATING
1..100
89
VALUATION
overvalued / fair valued / undervalued
1..100
50
Fair valued
PROFIT vs RISK RATING
1..100
19
SMR RATING
1..100
3
PRICE GROWTH RATING
1..100
7
P/E GROWTH RATING
1..100
27
SEASONALITY SCORE
1..100
50

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

TECHNICAL ANALYSIS
Technical Analysis
SYFUPST
RSI
ODDS (%)
Bearish Trend 3 days ago
71%
Bearish Trend 3 days ago
90%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
63%
Bearish Trend 3 days ago
88%
Momentum
ODDS (%)
Bullish Trend 3 days ago
75%
N/A
MACD
ODDS (%)
Bearish Trend 3 days ago
64%
Bearish Trend 3 days ago
90%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
73%
Bullish Trend 3 days ago
89%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
72%
Bullish Trend 3 days ago
89%
Advances
ODDS (%)
Bullish Trend 5 days ago
67%
Bullish Trend 5 days ago
88%
Declines
ODDS (%)
Bearish Trend 7 days ago
61%
Bearish Trend 14 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
62%
Bearish Trend 3 days ago
87%
Aroon
ODDS (%)
Bullish Trend 3 days ago
76%
Bullish Trend 3 days ago
89%
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SYF
Daily Signalchanged days ago
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UPST
Daily Signalchanged days ago
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SYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, SYF has been closely correlated with COF. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then COF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SYF
1D Price
Change %
SYF100%
+1.52%
COF - SYF
89%
Closely correlated
N/A
BFH - SYF
86%
Closely correlated
+3.72%
AXP - SYF
85%
Closely correlated
+1.09%
OMF - SYF
82%
Closely correlated
+1.30%
ENVA - SYF
78%
Closely correlated
-5.30%
More

UPST and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPST has been loosely correlated with SOFI. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if UPST jumps, then SOFI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPST
1D Price
Change %
UPST100%
N/A
SOFI - UPST
63%
Loosely correlated
-1.44%
SEZL - UPST
59%
Loosely correlated
+5.85%
OMF - UPST
51%
Loosely correlated
+1.30%
LC - UPST
51%
Loosely correlated
-2.58%
SYF - UPST
51%
Loosely correlated
+1.52%
More