Synchronoss Technologies (NASDAQ:SNCR – Get Free Report) and Affirm (NASDAQ:AFRM – Get Free Report) are both computer and technology companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, institutional ownership, profitability, analyst recommendations, risk, dividends and valuation.
Volatility & Risk
Synchronoss Technologies has a beta of 1.41, indicating that its stock price is 41% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.67, indicating that its stock price is 267% more volatile than the S&P 500.
Analyst Recommendations
This is a summary of current ratings for Synchronoss Technologies and Affirm, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Synchronoss Technologies | 1 | 2 | 0 | 0 | 1.67 |
| Affirm | 0 | 8 | 21 | 1 | 2.77 |
Valuation & Earnings
This table compares Synchronoss Technologies and Affirm”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Synchronoss Technologies | $170.91 million | 0.61 | $6.17 million | ($1.02) | -8.82 |
| Affirm | $3.97 billion | 6.91 | $52.19 million | $1.10 | 74.48 |
Affirm has higher revenue and earnings than Synchronoss Technologies. Synchronoss Technologies is trading at a lower price-to-earnings ratio than Affirm, indicating that it is currently the more affordable of the two stocks.
Insider and Institutional Ownership
51.7% of Synchronoss Technologies shares are held by institutional investors. Comparatively, 69.3% of Affirm shares are held by institutional investors. 19.9% of Synchronoss Technologies shares are held by insiders. Comparatively, 11.0% of Affirm shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Profitability
This table compares Synchronoss Technologies and Affirm’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Synchronoss Technologies | -5.69% | 24.44% | 3.59% |
| Affirm | 9.63% | 11.17% | 3.14% |
Summary
Affirm beats Synchronoss Technologies on 12 of the 15 factors compared between the two stocks.
About Synchronoss Technologies
Synchronoss Technologies, Inc. provides cloud, messaging, digital, and network management solutions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company offers Synchronoss Personal Cloud platform that allows customers' subscribers to backup and protect, engage with, and manage their personal content. It also provides Synchronoss' Messaging platform comprising advanced messaging platform and email suites; and OnboardX products, including mobile content transfer solution that offers wireless transfer of content from one mobile smart device to another in a carrier retail location or at home/work, etc., as well as out of box experience solution, a device setup solution that assists customers in setting up the features of new device, such as Wi-Fi, email, social network accounts and voicemail, prompting restoration of content, and enrollment in a cloud service. In addition, the company provides NetworkX products comprising spatialNX, an enterprise-wide access to network information, including physical location, specifications, attributes, connectivity, and capacity for every plant asset; ConnectNX, a system that eliminates manual handling of service orders and manages the full order lifecycle between customer and supplier through automation and rules-based validation; and ExpenseNX, a financial analytics platform. Further, it offers professional services, such as consulting, installation and deployment, configuration, systems integration, and support services; and software development and customization services. The company markets and sells its services through direct sales force and strategic partners. Synchronoss Technologies, Inc. was incorporated in 2000 and is headquartered in Bridgewater, New Jersey.
About Affirm
Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time with terms ranging up to 60 months. The company has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel and ticketing, apparel, accessories, consumer electronics, and jewelry. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
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