SYF vs WEX Stock Comparison
Compare SYF and WEX across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between SYF and WEX?
SYF leads the current stock comparison as Synchrony Financial, with the clearest separation coming from risk resilience and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Synchrony Financial vs WEX Inc.
SYF leads
SYF leads by 2 AIQ points, primarily on Risk Resilience and Quality, but the lead has narrowed from 7 points over 30 sessions.
Fragile: 2 of 6 evidence groups support SYF, its lead is narrowing, and its current signal state is conflicted.
Synchrony Financial
WEX Inc.
The Algovestiq AIQ Score currently favors SYF over WEX, 59 versus 57 as of Sep 11, 2026. SYF's advantage is driven primarily by stronger risk resilience and quality, while WEX holds the stronger value profile. SYF also shows the weaker technical structure relative to its 50-day moving average. 2 of 6 covered evidence groups favor SYF today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 2 points. SYF lead: Weakening — the AIQ differential moved from 7 to 2 points over 30 sessions.
Compare Synchrony Financial and WEX Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare SYF and WEX against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience69 vs 53SYF +16
- Quality60 vs 54SYF +6
- Value67 vs 72WEX +5
- Momentum44 vs 46Even
2 of 6 evidence groups favor SYF. SYF’s edge is concentrated in risk resilience and quality; WEX keeps a meaningful value edge.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
Largest factor move: Momentum -11
New signals
- BB Lower Band Breach — bullish, volatility, short horizon
Largest factor move: Momentum +3
No new signals fired.
SYF's lead narrowed by 4 AIQ points in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — SYF and WEX both carry a full feed there.
The central trade-off
SYF (Synchrony Financial): the stronger current systematic profile, led by risk resilience and quality.
WEX (WEX Inc.): the counter-case, on value, fundamentals, valuation — but at materially higher volatility, 34.3% against 28%.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
SYFSYF on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
WEXWEX on combined revenue and EPS growth.
Value
WEXWEX on the peer-relative Value factor, by 5 points.
Momentum
EvenThe two are level on Momentum.
Lower downside
SYFSYF on Risk Resilience, by 16 points.
Analyst upside
SYFSYF on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | SYF | WEX | Note |
|---|---|---|---|
| Implied upside to target | +16.2% | -6.3% | SYF has more room |
| Target dispersion | +27.2% | +37.9% | Lower is tighter analyst agreement |
| Consensus | Buy | Hold | Context, not a primary driver |
| Analysts covering | 10 | 6 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
2 of 6 covered evidence groups favor SYF. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 59 vs 57 |
| Fundamentals | WEX | EPS growth 14% vs 39.1%; TTM ROE 20.9% vs 28.2%; gross margin 52.3% vs 56.7%; operating margin 24.3% vs 25.5% |
| Valuation | WEX | Value 67 vs 72 |
| Technicals | WEX | Price vs 50-day -1% vs 6.5%; vs 200-day 0.3% vs 19.6% |
| Risk Resilience | SYF | Risk Resilience 69 vs 53 |
| Analyst expectations | SYF | Target upside 16.2% vs -6.3% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of SYF and WEX and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 2 points. (argues the conclusion is provisional)
- Only 2 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on SYF.
How the comparison changed
119 daily snapshots · May 4 – Sep 10SYF lead: Weakening — the AIQ differential moved from 7 to 2 points over 30 sessions.
- Today
- SYF +2
- 59 vs 57
- 7 sessions ago
- SYF +3
- 64 vs 61
- 30 sessions ago
- SYF +7
- 69 vs 62
- 90 sessions ago
- WEX +1
- 66 vs 67
The lead changed hands 2 times in this window, most recently on Jul 28 when SYF moved ahead of WEX.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
3 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (2.15%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- BB Lower Band Breach — bullish, volatility, short horizon
3 bullish / 1 bearish, conflicted
- Golden Cross Active — bullish, trend, long horizon (13.19%)
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
SYF leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price is up while the AIQ Score moved down 3 points over the same session — price and model disagree (price +0.73%, AIQ -3 points).
Price and the AIQ Score both moved up over the latest session (price +0.78%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1WEX closes the Risk Resilience gap — currently 16 points behind, the largest single contributor to SYF's edge.
- 2WEX generates a confirmed bullish trend signal it does not currently carry, such as MACD Bullish Crossover.
- 3SYF's conflicting signal state resolves bearish — it currently carries 3 bullish and 1 bearish rules at once.
- 4The narrowing continues — the lead has already given back 5 points over 30 sessions, and a further 2-point move would eliminate SYF's advantage entirely.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
WEX leads on balance| Metric | SYF | WEX |
|---|---|---|
| Revenue growth (YoY) | 0.6% | 11.8% |
| EPS growth (YoY) | 14% | 39.1% |
| Gross margin | 52.3% | 56.7% |
| Operating margin | 24.3% | 25.5% |
| Return on equity (TTM) | 20.9% | 28.2% |
| Debt to equity | 0.97 | 3.98 |
Performance
WEX leads 6 of 6 windows| Metric | SYF | WEX |
|---|---|---|
| 1 week (5 sessions) | -3.8% | -1.5% |
| 1 month (20 sessions) | -5% | 0% |
| 3 months (63 sessions) | 8.5% | 38.4% |
| 6 months (126 sessions) | 15.7% | 18.4% |
| Year to date | -9.6% | 27.6% |
| 1 year (252 sessions) | 0.4% | 10.2% |
Technicals
WEX has the stronger structure| Metric | SYF | WEX |
|---|---|---|
| RSI (14) | 46.1 | 40.1 |
| ADX (14) | 12.5 | 25.4 |
| Price vs 50-day | -1% | 6.5% |
| Price vs 200-day | 0.3% | 19.6% |
| Volatility (1M, annualized) | 28% | 34.3% |
Risk
SYF is the more resilient| Metric | SYF | WEX |
|---|---|---|
| Beta | 1.23 | 0.5 |
| Sharpe ratio | 0.01 | 0.35 |
| Sortino ratio | 0.01 | 0.45 |
| Max drawdown | -27.9% | -31.4% |
| Current drawdown | -14.7% | -6.5% |
| Annualized volatility | 31.8% | 40.3% |
| Value at risk (95%) | -3.1% | -3.4% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, SYF or WEX?
On the Algovestiq AIQ Score, SYF is the stronger of the two as of Sep 11, 2026, scoring 59 against WEX's 57. The edge comes from risk resilience and quality. WEX is not without a case — it holds the better value profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is SYF or WEX the better buy right now?
SYF carries the stronger systematic profile as of Sep 11, 2026, and the comparison is rated Fragile — 2 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 2 points. Treat the lead as provisional.
Why does the AIQ Score favor SYF over WEX?
The composite weights Quality, Value, Momentum and Risk Resilience. SYF leads Risk Resilience by 16 points; SYF leads Quality by 6 points; WEX leads Value by 5 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, SYF or WEX?
Analyst price targets imply +16.2% upside for SYF and -6.3% for WEX, so the Street currently favors SYF. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, SYF or WEX?
WEX is the better-valued of the two on the peer-relative Value factor. WEX on the peer-relative Value factor, by 5 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, SYF or WEX?
WEX on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, SYF or WEX?
The two are level on Momentum. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, SYF or WEX?
SYF is the more resilient of the two, so the other name carries the higher downside risk. SYF on Risk Resilience, by 16 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is SYF more profitable than WEX?
WEX leads on the comparable margin measures — gross margin 52.3% vs 56.7%; operating margin 24.3% vs 25.5%; ttm roe 20.9% vs 28.2%.
Is SYF's lead over WEX getting stronger or weaker?
SYF lead: Weakening — the AIQ differential moved from 7 to 2 points over 30 sessions. This is measured from 119 daily comparison snapshots between 2026-05-04 and 2026-09-10. The lead has changed hands 2 times in that window, most recently on 2026-07-28, when SYF moved ahead of WEX.
What would change the SYF vs WEX verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: WEX closes the Risk Resilience gap — currently 16 points behind, the largest single contributor to SYF's edge; WEX generates a confirmed bullish trend signal it does not currently carry, such as MACD Bullish Crossover; SYF's conflicting signal state resolves bearish — it currently carries 3 bullish and 1 bearish rules at once; the narrowing continues — the lead has already given back 5 points over 30 sessions, and a further 2-point move would eliminate SYF's advantage entirely.
What do the current signals say about SYF and WEX?
SYF: 3 bullish / 1 bearish / 1 neutral, conflicted. WEX: 3 bullish / 1 bearish, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on SYF is Golden Cross Active (bullish, long horizon). On WEX it is Golden Cross Active (bullish, long horizon).
Compare SYF and WEX with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.