SYF
Price
$75.61
Change
-$1.25 (-1.63%)
Updated
Sep 5 closing price
Capitalization
28.13B
52 days until earnings call
UPST
Price
$66.90
Change
+$1.03 (+1.56%)
Updated
Sep 5 closing price
Capitalization
6.44B
66 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$75.61
Change-$1.25 (-1.63%)
Volume$2.15M
Capitalization28.13B
Upstart Holdings
Price$66.90
Change+$1.03 (+1.56%)
Volume$5.83M
Capitalization6.44B
SYF vs UPST Comparison Chart in %
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SYF
Daily Signalchanged days ago
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UPST
Daily Signalchanged days ago
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SYF vs. UPST commentary
Sep 07, 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
Sep 07, 2025
Stock price -- (SYF: $75.61 vs. UPST: $66.90)
Brand notoriety: SYF: Notable vs. UPST: Not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: SYF: 67% vs. UPST: 92%
Market capitalization -- SYF: $28.13B vs. UPST: $6.44B
SYF [@Savings Banks] is valued at $28.13B. UPST’s [@Savings Banks] market capitalization is $6.44B. The market cap for tickers in the [@Savings Banks] industry ranges from $666.17B to $0. The average market capitalization across the [@Savings Banks] industry is $22.16B.

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 5 bullish TA indicator(s).

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

Price Growth

SYF (@Savings Banks) experienced а -0.96% price change this week, while UPST (@Savings Banks) price change was -8.71% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.52%. For the same industry, the average monthly price growth was +5.04%, and the average quarterly price growth was +31.21%.

Reported Earning Dates

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

UPST is expected to report earnings on Nov 11, 2025.

Industries' Descriptions

@Savings Banks (+0.52% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
SYF($28.1B) has a higher market cap than UPST($6.44B). SYF YTD gains are higher at: 17.907 vs. UPST (8.657). UPST has less debt than SYF: UPST (1.47B) vs SYF (16B). SYF has higher revenues than UPST: SYF (16B) vs UPST (844M).
SYFUPSTSYF / UPST
Capitalization28.1B6.44B437%
EBITDAN/AN/A-
Gain YTD17.9078.657207%
P/E Ratio9.34N/A-
Revenue16B844M1,896%
Total CashN/AN/A-
Total Debt16B1.47B1,087%
FUNDAMENTALS RATINGS
SYF: Fundamental Ratings
SYF
OUTLOOK RATING
1..100
75
VALUATION
overvalued / fair valued / undervalued
1..100
76
Overvalued
PROFIT vs RISK RATING
1..100
21
SMR RATING
1..100
4
PRICE GROWTH RATING
1..100
5
P/E GROWTH RATING
1..100
21
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 2 days ago
60%
Bullish Trend 2 days ago
76%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
62%
Bullish Trend 2 days ago
88%
Momentum
ODDS (%)
Bullish Trend 2 days ago
73%
Bullish Trend 2 days ago
87%
MACD
ODDS (%)
Bullish Trend 2 days ago
79%
Bullish Trend 2 days ago
90%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
88%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
72%
Bearish Trend 2 days ago
88%
Advances
ODDS (%)
Bullish Trend 10 days ago
67%
Bullish Trend 2 days ago
88%
Declines
ODDS (%)
Bearish Trend 4 days ago
62%
Bearish Trend 4 days ago
90%
BollingerBands
ODDS (%)
N/A
Bearish Trend 2 days ago
80%
Aroon
ODDS (%)
Bullish Trend 2 days ago
76%
Bearish Trend 2 days ago
87%
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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%
-1.63%
COF - SYF
89%
Closely correlated
-2.12%
BFH - SYF
87%
Closely correlated
-1.12%
AXP - SYF
85%
Closely correlated
-1.34%
OMF - SYF
81%
Closely correlated
-1.77%
ENVA - SYF
80%
Closely correlated
-2.60%
More