Free Trial

Synchrony Financial (SYF) Competitors

Synchrony Financial logo
$72.26 +0.60 (+0.83%)
Closing price 11/13/2026 03:59 PM Eastern
Extended Trading
$72.20 -0.06 (-0.08%)
As of 11/13/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.

SYF vs. ALLY, AXP, BFH, C, and CFG

Should you buy Synchrony Financial stock or one of its competitors? Synchrony Financial's main competitors and comparable companies include Ally Financial (ALLY), American Express (AXP), Bread Financial (BFH), Citigroup (C), and Citizens Financial Group (CFG). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "finance" sector.

How does Synchrony Financial compare to Ally Financial?

Synchrony Financial (NYSE:SYF) and Ally Financial (NYSE:ALLY) are both large-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their media sentiment, profitability, dividends, institutional ownership, earnings, analyst recommendations, valuation and risk.

Synchrony Financial has a beta of 1.4, meaning that its share price is 40% more volatile than the broader market. Comparatively, Ally Financial has a beta of 1.17, meaning that its share price is 17% more volatile than the broader market.

Synchrony Financial currently has a consensus target price of $87.78, indicating a potential upside of 21.48%. Ally Financial has a consensus target price of $47.93, indicating a potential upside of 25.05%. Given Ally Financial's stronger consensus rating and higher probable upside, analysts clearly believe Ally Financial is more favorable than Synchrony Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Synchrony Financial
0 Sell rating(s)
9 Hold rating(s)
10 Buy rating(s)
0 Strong Buy rating(s)
2.53
Ally Financial
1 Sell rating(s)
5 Hold rating(s)
10 Buy rating(s)
1 Strong Buy rating(s)
2.65

Synchrony Financial has higher revenue and earnings than Ally Financial. Synchrony Financial is trading at a lower price-to-earnings ratio than Ally Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Synchrony Financial$15.03B1.50$3.55B$9.587.54
Ally Financial$7.91B1.45$852M$4.368.79

In the previous week, Synchrony Financial had 8 more articles in the media than Ally Financial. MarketBeat recorded 11 mentions for Synchrony Financial and 3 mentions for Ally Financial. Synchrony Financial's average media sentiment score of 0.81 beat Ally Financial's score of 0.63 indicating that Synchrony Financial is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Synchrony Financial
5 Very Positive mention(s)
2 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Ally Financial
1 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Ally Financial has a net margin of 16.84% compared to Synchrony Financial's net margin of 14.59%. Synchrony Financial's return on equity of 22.26% beat Ally Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Synchrony Financial14.59% 22.26% 2.79%
Ally Financial 16.84%12.11%0.81%

Synchrony Financial pays an annual dividend of $1.36 per share and has a dividend yield of 1.9%. Ally Financial pays an annual dividend of $1.40 per share and has a dividend yield of 3.7%. Synchrony Financial pays out 14.2% of its earnings in the form of a dividend. Ally Financial pays out 32.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Synchrony Financial has raised its dividend for 4 consecutive years.

96.5% of Synchrony Financial shares are owned by institutional investors. Comparatively, 88.8% of Ally Financial shares are owned by institutional investors. 0.4% of Synchrony Financial shares are owned by company insiders. Comparatively, 0.5% of Ally Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

Synchrony Financial beats Ally Financial on 12 of the 19 factors compared between the two stocks.

How does Synchrony Financial compare to American Express?

American Express (NYSE:AXP) and Synchrony Financial (NYSE:SYF) are both large-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, dividends, earnings, media sentiment and risk.

84.3% of American Express shares are owned by institutional investors. Comparatively, 96.5% of Synchrony Financial shares are owned by institutional investors. 0.1% of American Express shares are owned by company insiders. Comparatively, 0.4% of Synchrony Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

American Express presently has a consensus target price of $365.42, suggesting a potential upside of 14.06%. Synchrony Financial has a consensus target price of $87.78, suggesting a potential upside of 21.48%. Given Synchrony Financial's higher possible upside, analysts plainly believe Synchrony Financial is more favorable than American Express.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
American Express
1 Sell rating(s)
12 Hold rating(s)
17 Buy rating(s)
1 Strong Buy rating(s)
2.58
Synchrony Financial
0 Sell rating(s)
9 Hold rating(s)
10 Buy rating(s)
0 Strong Buy rating(s)
2.53

American Express has higher revenue and earnings than Synchrony Financial. Synchrony Financial is trading at a lower price-to-earnings ratio than American Express, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
American Express$72.23B2.97$10.83B$17.7618.04
Synchrony Financial$15.03B1.50$3.55B$9.587.54

In the previous week, American Express had 31 more articles in the media than Synchrony Financial. MarketBeat recorded 42 mentions for American Express and 11 mentions for Synchrony Financial. American Express' average media sentiment score of 1.05 beat Synchrony Financial's score of 0.81 indicating that American Express is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
American Express
30 Very Positive mention(s)
2 Positive mention(s)
7 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive
Synchrony Financial
5 Very Positive mention(s)
2 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

American Express pays an annual dividend of $3.80 per share and has a dividend yield of 1.2%. Synchrony Financial pays an annual dividend of $1.36 per share and has a dividend yield of 1.9%. American Express pays out 21.4% of its earnings in the form of a dividend. Synchrony Financial pays out 14.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. American Express has raised its dividend for 4 consecutive years and Synchrony Financial has raised its dividend for 4 consecutive years. Synchrony Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

American Express has a net margin of 15.80% compared to Synchrony Financial's net margin of 14.59%. American Express' return on equity of 34.19% beat Synchrony Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
American Express15.80% 34.19% 3.83%
Synchrony Financial 14.59%22.26%2.79%

American Express has a beta of 1.09, indicating that its stock price is 9% more volatile than the broader market. Comparatively, Synchrony Financial has a beta of 1.4, indicating that its stock price is 40% more volatile than the broader market.

Summary

American Express beats Synchrony Financial on 13 of the 19 factors compared between the two stocks.

How does Synchrony Financial compare to Bread Financial?

Synchrony Financial (NYSE:SYF) and Bread Financial (NYSE:BFH) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, profitability, earnings, dividends, institutional ownership, media sentiment, analyst recommendations and risk.

Synchrony Financial pays an annual dividend of $1.36 per share and has a dividend yield of 1.9%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Synchrony Financial pays out 14.2% of its earnings in the form of a dividend. Bread Financial pays out 7.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Synchrony Financial has raised its dividend for 4 consecutive years. Synchrony Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Synchrony Financial has a net margin of 14.59% compared to Bread Financial's net margin of 11.19%. Synchrony Financial's return on equity of 22.26% beat Bread Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Synchrony Financial14.59% 22.26% 2.79%
Bread Financial 11.19%17.24%2.56%

96.5% of Synchrony Financial shares are owned by institutional investors. Comparatively, 99.5% of Bread Financial shares are owned by institutional investors. 0.4% of Synchrony Financial shares are owned by insiders. Comparatively, 1.3% of Bread Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

In the previous week, Bread Financial had 3 more articles in the media than Synchrony Financial. MarketBeat recorded 14 mentions for Bread Financial and 11 mentions for Synchrony Financial. Bread Financial's average media sentiment score of 0.88 beat Synchrony Financial's score of 0.81 indicating that Bread Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Synchrony Financial
5 Very Positive mention(s)
2 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Bread Financial
5 Very Positive mention(s)
1 Positive mention(s)
5 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Synchrony Financial has a beta of 1.4, indicating that its stock price is 40% more volatile than the broader market. Comparatively, Bread Financial has a beta of 1.26, indicating that its stock price is 26% more volatile than the broader market.

Synchrony Financial presently has a consensus price target of $87.78, suggesting a potential upside of 21.48%. Bread Financial has a consensus price target of $111.71, suggesting a potential upside of 13.30%. Given Synchrony Financial's stronger consensus rating and higher possible upside, analysts plainly believe Synchrony Financial is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Synchrony Financial
0 Sell rating(s)
9 Hold rating(s)
10 Buy rating(s)
0 Strong Buy rating(s)
2.53
Bread Financial
1 Sell rating(s)
8 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.41

Synchrony Financial has higher revenue and earnings than Bread Financial. Synchrony Financial is trading at a lower price-to-earnings ratio than Bread Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Synchrony Financial$15.03B1.50$3.55B$9.587.54
Bread Financial$4.70B0.80$518M$12.687.78

Summary

Synchrony Financial beats Bread Financial on 13 of the 19 factors compared between the two stocks.

How does Synchrony Financial compare to Citigroup?

Synchrony Financial (NYSE:SYF) and Citigroup (NYSE:C) are both large-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, valuation, earnings, profitability, media sentiment, analyst recommendations, risk and institutional ownership.

96.5% of Synchrony Financial shares are held by institutional investors. Comparatively, 71.7% of Citigroup shares are held by institutional investors. 0.4% of Synchrony Financial shares are held by company insiders. Comparatively, 0.1% of Citigroup shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Synchrony Financial has a beta of 1.4, meaning that its stock price is 40% more volatile than the broader market. Comparatively, Citigroup has a beta of 1.18, meaning that its stock price is 18% more volatile than the broader market.

Citigroup has higher revenue and earnings than Synchrony Financial. Synchrony Financial is trading at a lower price-to-earnings ratio than Citigroup, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Synchrony Financial$15.03B1.50$3.55B$9.587.54
Citigroup$168.30B1.26$14.31B$10.2512.10

Synchrony Financial pays an annual dividend of $1.36 per share and has a dividend yield of 1.9%. Citigroup pays an annual dividend of $2.68 per share and has a dividend yield of 2.2%. Synchrony Financial pays out 14.2% of its earnings in the form of a dividend. Citigroup pays out 26.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Synchrony Financial has raised its dividend for 4 consecutive years and Citigroup has raised its dividend for 2 consecutive years.

Synchrony Financial currently has a consensus price target of $87.78, indicating a potential upside of 21.48%. Citigroup has a consensus price target of $150.87, indicating a potential upside of 21.63%. Given Citigroup's stronger consensus rating and higher possible upside, analysts plainly believe Citigroup is more favorable than Synchrony Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Synchrony Financial
0 Sell rating(s)
9 Hold rating(s)
10 Buy rating(s)
0 Strong Buy rating(s)
2.53
Citigroup
0 Sell rating(s)
3 Hold rating(s)
14 Buy rating(s)
1 Strong Buy rating(s)
2.89

Synchrony Financial has a net margin of 14.59% compared to Citigroup's net margin of 10.97%. Synchrony Financial's return on equity of 22.26% beat Citigroup's return on equity.

Company Net Margins Return on Equity Return on Assets
Synchrony Financial14.59% 22.26% 2.79%
Citigroup 10.97%10.57%0.73%

In the previous week, Citigroup had 65 more articles in the media than Synchrony Financial. MarketBeat recorded 76 mentions for Citigroup and 11 mentions for Synchrony Financial. Synchrony Financial's average media sentiment score of 0.81 beat Citigroup's score of 0.48 indicating that Synchrony Financial is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Synchrony Financial
5 Very Positive mention(s)
2 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citigroup
33 Very Positive mention(s)
12 Positive mention(s)
16 Neutral mention(s)
5 Negative mention(s)
10 Very Negative mention(s)
Neutral

Summary

Synchrony Financial and Citigroup tied by winning 10 of the 20 factors compared between the two stocks.

How does Synchrony Financial compare to Citizens Financial Group?

Citizens Financial Group (NYSE:CFG) and Synchrony Financial (NYSE:SYF) are both large-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, earnings, risk, media sentiment, institutional ownership, profitability, analyst recommendations and valuation.

Citizens Financial Group pays an annual dividend of $2.08 per share and has a dividend yield of 3.2%. Synchrony Financial pays an annual dividend of $1.36 per share and has a dividend yield of 1.9%. Citizens Financial Group pays out 41.9% of its earnings in the form of a dividend. Synchrony Financial pays out 14.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Synchrony Financial has raised its dividend for 4 consecutive years.

In the previous week, Citizens Financial Group had 13 more articles in the media than Synchrony Financial. MarketBeat recorded 24 mentions for Citizens Financial Group and 11 mentions for Synchrony Financial. Citizens Financial Group's average media sentiment score of 1.61 beat Synchrony Financial's score of 0.81 indicating that Citizens Financial Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens Financial Group
22 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Synchrony Financial
5 Very Positive mention(s)
2 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Synchrony Financial has higher revenue and earnings than Citizens Financial Group. Synchrony Financial is trading at a lower price-to-earnings ratio than Citizens Financial Group, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Financial Group$12.06B2.27$1.83B$4.9713.11
Synchrony Financial$15.03B1.50$3.55B$9.587.54

Citizens Financial Group has a net margin of 18.07% compared to Synchrony Financial's net margin of 14.59%. Synchrony Financial's return on equity of 22.26% beat Citizens Financial Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Group18.07% 9.52% 0.98%
Synchrony Financial 14.59%22.26%2.79%

Citizens Financial Group has a beta of 0.74, suggesting that its share price is 26% less volatile than the broader market. Comparatively, Synchrony Financial has a beta of 1.4, suggesting that its share price is 40% more volatile than the broader market.

94.9% of Citizens Financial Group shares are owned by institutional investors. Comparatively, 96.5% of Synchrony Financial shares are owned by institutional investors. 0.7% of Citizens Financial Group shares are owned by company insiders. Comparatively, 0.4% of Synchrony Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Citizens Financial Group presently has a consensus target price of $76.79, indicating a potential upside of 17.82%. Synchrony Financial has a consensus target price of $87.78, indicating a potential upside of 21.48%. Given Synchrony Financial's higher probable upside, analysts plainly believe Synchrony Financial is more favorable than Citizens Financial Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens Financial Group
0 Sell rating(s)
4 Hold rating(s)
17 Buy rating(s)
0 Strong Buy rating(s)
2.81
Synchrony Financial
0 Sell rating(s)
9 Hold rating(s)
10 Buy rating(s)
0 Strong Buy rating(s)
2.53

Summary

Synchrony Financial beats Citizens Financial Group on 10 of the 19 factors compared between the two stocks.

Get Synchrony Financial News Delivered to You Automatically

Sign up to receive the latest news and ratings for SYF and its competitors with MarketBeat's FREE daily newsletter.

Subscribe Now
SMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy.

New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding SYF and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
Skip Chart

Media Sentiment Over Time

This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
Skip Chart

SYF vs. The Competition

MetricSynchrony FinancialConsumer Finance IndustryFinance SectorNYSE Exchange
Market Cap$22.32B$6.74B$14.06B$23.48B
Dividend Yield1.89%7.92%4.92%3.78%
P/E Ratio7.549.0819.7327.05
Price / Sales1.502.354.953.38
Price / Cash6.0510.6620.2315.51
Price / Book1.522.501.823.72
Net Income$3.55B$447.58M$1.33B$1.08B
7 Day Performance-2.11%-0.61%0.12%0.58%
1 Month Performance0.82%0.18%0.11%1.11%
1 Year Performance-1.08%2.39%5.10%7.21%

Synchrony Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
SYF
Synchrony Financial
4.7473 of 5 stars
$72.26
+0.8%
$87.78
+21.5%
-2.0%$22.32B$15.03B7.5420,000
ALLY
Ally Financial
4.998 of 5 stars
$38.59
+1.1%
$47.93
+24.2%
-2.1%$11.80B$7.91B8.1710,300
AXP
American Express
4.5778 of 5 stars
$328.00
+2.8%
$365.22
+11.3%
-12.0%$213.98B$77.59B18.4776,800
BFH
Bread Financial
4.7113 of 5 stars
$106.86
+3.3%
$111.71
+4.5%
+59.2%$3.98B$4.70B7.686,000
C
Citigroup
4.9554 of 5 stars
$123.02
+0.3%
$150.87
+22.6%
+23.2%$209.17B$92.94B12.00226,000

Related Companies and Tools


This page (NYSE:SYF) was last updated on 11/14/2026 by MarketBeat.com Staff.
From Our Partners