SYF vs WEX Stock Comparison
WEX currently leads SYF in this stock comparison, with AIQ scores of 66 vs 65. The clearest difference is momentum, while SYF has the stronger risk resilience profile.
What is the main difference between SYF and WEX?
WEX leads the current stock comparison as WEX Inc., with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Synchrony Financial vs WEX Inc.
WEX leads
WEX leads by 1 AIQ points, primarily on Momentum and Value, having only recently taken the lead back from SYF. Wall Street currently favors SYF on target upside.
Fragile: 3 of 6 evidence groups support WEX, the lead recently changed hands, and its signal state is cleanly positive.
Synchrony Financial
WEX Inc.
The Algovestiq AIQ Score currently favors WEX over SYF, 66 versus 65 as of Oct 31, 2026. WEX's advantage is driven primarily by stronger momentum and value, while SYF holds the stronger risk resilience profile. WEX also shows the weaker technical structure relative to its 50-day moving average, though analyst target upside currently favors SYF. 3 of 6 covered evidence groups favor WEX today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 1 points. WEX lead: Reversed — SYF led by 5 AIQ points 30 sessions ago; WEX now leads by 1.
Compare Synchrony Financial and WEX Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
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.
- Momentum68 vs 82WEX +14
- Risk Resilience65 vs 53SYF +12
- Quality58 vs 54SYF +4
- Value68 vs 72WEX +4
3 of 6 evidence groups favor WEX. WEX’s edge is concentrated in momentum and value; SYF keeps a meaningful risk resilience edge.
What changed since the last close
Latest scored session 2026-10-28, compared against the prior scored session 2026-10-27.
Largest factor move: Momentum +9
New signals
- Uptrend Structure Active — bullish, trend, long horizon
Largest factor move: Momentum +11
New signals
- Uptrend Structure Active — bullish, trend, long horizon
WEX's lead narrowed by 1 AIQ point in the latest session.
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
WEX (WEX Inc.): the stronger current systematic profile, led by momentum and value.
SYF (Synchrony Financial): the counter-case, on risk resilience, quality, analyst expectations.
The AIQ Score and Wall Street therefore point in different directions on this pair.
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
WEXWEX 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 4 points.
Momentum
WEXWEX on the Momentum factor, by 14 points.
Lower downside
SYFSYF on Risk Resilience, by 12 points.
Analyst upside
SYFSYF on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors WEX, analyst targets favor SYF. That disagreement is the most useful thing on this page.
| Measure | SYF | WEX | Note |
|---|---|---|---|
| Implied upside to target | +17.7% | -3.3% | SYF has more room |
| Target dispersion | +29.3% | +31.9% | Lower is tighter analyst agreement |
| Consensus | Buy | Hold | Context, not a primary driver |
| Analysts covering | 14 | 5 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor WEX. 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 | 65 vs 66 |
| Fundamentals | WEX | revenue growth 2.2% vs 11.8%; EPS growth 3.8% vs 39.1%; TTM ROE 20% vs 28.2%; gross margin 51.7% vs 56.7%; operating margin 23.1% vs 25.5% |
| Valuation | WEX | Value 68 vs 72 |
| Technicals | WEX | Price vs 50-day 0.3% vs -1.1%; vs 200-day 2.4% vs 15.3% |
| Risk Resilience | SYF | Risk Resilience 65 vs 53 |
| Analyst expectations | SYF | Target upside 17.7% vs -3.3% |
✓ 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 1 points. (argues the conclusion is provisional)
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
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 WEX.
How the comparison changed
120 daily snapshots · Jun 29 – Oct 28WEX lead: Reversed — SYF led by 5 AIQ points 30 sessions ago; WEX now leads by 1.
- Today
- WEX +1
- 65 vs 66
- 7 sessions ago
- WEX +7
- 61 vs 68
- 30 sessions ago
- SYF +5
- 57 vs 52
- 90 sessions ago
- SYF +4
- 67 vs 63
The lead changed hands 4 times in this window, most recently on Sep 22 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 / 0 bearish / 1 neutral
Only SYF
- Bollinger Band Squeeze — neutral, volatility, short horizon
4 bullish / 0 bearish
Only WEX
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
Both carry 3 more signals that do not separate them: Golden Cross Active, Uptrend Structure Active, MACD Bullish Crossover.
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 down while the AIQ Score moved up 3 points over the same session — price and model disagree (price -2.1%, AIQ +3 points).
Price and the AIQ Score both moved up over the latest session (price +0.62%, AIQ +2 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.
- 1SYF closes the Momentum gap — currently 14 points behind, the largest single contributor to WEX's edge.
- 2SYF's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3WEX's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
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) | 2.2% | 11.8% |
| EPS growth (YoY) | 3.8% | 39.1% |
| Gross margin | 51.7% | 56.7% |
| Operating margin | 23.1% | 25.5% |
| Return on equity (TTM) | 20% | 28.2% |
| Debt to equity | 1.03 | 3.98 |
Performance
WEX leads 5 of 6 windows| Metric | SYF | WEX |
|---|---|---|
| 1 week (5 sessions) | 1.7% | 0.9% |
| 1 month (20 sessions) | 6.2% | 12.2% |
| 3 months (63 sessions) | -2.3% | 1.6% |
| 6 months (126 sessions) | 0.3% | 22.4% |
| Year to date | -9.7% | 27.1% |
| 1 year (252 sessions) | 0.7% | 18.4% |
Technicals
WEX has the stronger structure| Metric | SYF | WEX |
|---|---|---|
| RSI (14) | 56.5 | 67.5 |
| ADX (14) | 14.9 | 21.8 |
| Price vs 50-day | 0.3% | -1.1% |
| Price vs 200-day | 2.4% | 15.3% |
| Volatility (1M, annualized) | 22.1% | 31.6% |
Risk
SYF is the more resilient| Metric | SYF | WEX |
|---|---|---|
| Beta | 1.18 | 0.27 |
| Sharpe ratio | 0.06 | 0.54 |
| Sortino ratio | 0.07 | 0.71 |
| Max drawdown | -27.9% | -31.4% |
| Current drawdown | -14.8% | -6.9% |
| Annualized volatility | 31.2% | 40.9% |
| Value at risk (95%) | -3% | -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, WEX is the stronger of the two as of Oct 31, 2026, scoring 66 against SYF's 65. The edge comes from momentum and value. SYF is not without a case — it holds the better risk resilience 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?
WEX carries the stronger systematic profile as of Oct 31, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 1 points. Treat the lead as provisional.
Why does the AIQ Score favor WEX over SYF?
The composite weights Quality, Value, Momentum and Risk Resilience. WEX leads Momentum by 14 points; SYF leads Risk Resilience by 12 points; SYF leads Quality by 4 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 +17.7% upside for SYF and -3.3% for WEX, so the Street currently favors SYF. That points the opposite way to the AIQ Score, which favors WEX. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. 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 4 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?
WEX on the Momentum factor, by 14 points. 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 12 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 51.7% vs 56.7%; operating margin 23.1% vs 25.5%; ttm roe 20% vs 28.2%.
Is WEX's lead over SYF getting stronger or weaker?
WEX lead: Reversed — SYF led by 5 AIQ points 30 sessions ago; WEX now leads by 1. This is measured from 120 daily comparison snapshots between 2026-06-29 and 2026-10-28. The lead has changed hands 4 times in that window, most recently on 2026-09-22, 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: SYF closes the Momentum gap — currently 14 points behind, the largest single contributor to WEX's edge; SYF's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; WEX's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about SYF and WEX?
SYF: 3 bullish / 0 bearish / 1 neutral. WEX: 4 bullish / 0 bearish. 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.