Synchrony Financial (SYF) Competitors

Synchrony Financial logo
$75.34 +0.08 (+0.11%)
Closing price 06/18/2026 03:59 PM Eastern
Extended Trading
$75.26 -0.08 (-0.11%)
As of 06/18/2026 07:23 PM Eastern
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SYF vs. ALLY, AXP, BFH, C, and CFG

Should you buy Synchrony Financial stock or one of its competitors? MarketBeat compares Synchrony Financial with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Synchrony Financial include Ally Financial (ALLY), American Express (AXP), Bread Financial (BFH), Citigroup (C), and Citizens Financial Group (CFG).

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 better investment? We will contrast the two businesses based on the strength of their profitability, valuation, analyst recommendations, media sentiment, dividends, risk, institutional ownership and earnings.

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 hedge funds, large money managers and endowments believe a company is poised for long-term growth.

In the previous week, Ally Financial had 4 more articles in the media than Synchrony Financial. MarketBeat recorded 13 mentions for Ally Financial and 9 mentions for Synchrony Financial. Synchrony Financial's average media sentiment score of 1.47 beat Ally Financial's score of 1.06 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
8 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Ally Financial
8 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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$22.60B1.12$3.55B$9.677.79
Ally Financial$7.91B1.76$852M$4.1011.10

Ally Financial has a net margin of 16.47% compared to Synchrony Financial's net margin of 15.80%. Synchrony Financial's return on equity of 23.41% beat Ally Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Synchrony Financial15.80% 23.41% 3.05%
Ally Financial 16.47%11.41%0.76%

Synchrony Financial pays an annual dividend of $1.20 per share and has a dividend yield of 1.6%. Ally Financial pays an annual dividend of $1.20 per share and has a dividend yield of 2.6%. Synchrony Financial pays out 12.4% of its earnings in the form of a dividend. Ally Financial pays out 29.3% 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 has a beta of 1.33, meaning that its stock price is 33% more volatile than the broader market. Comparatively, Ally Financial has a beta of 1.1, meaning that its stock price is 10% more volatile than the broader market.

Synchrony Financial presently has a consensus price target of $86.05, indicating a potential upside of 14.21%. Ally Financial has a consensus price target of $54.14, indicating a potential upside of 18.95%. 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)
8 Hold rating(s)
12 Buy rating(s)
1 Strong Buy rating(s)
2.67
Ally Financial
0 Sell rating(s)
2 Hold rating(s)
14 Buy rating(s)
0 Strong Buy rating(s)
2.88

Summary

Synchrony Financial beats Ally Financial on 11 of the 20 factors compared between the two stocks.

How does Synchrony Financial compare to American Express?

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

Synchrony Financial has a beta of 1.33, indicating that its stock price is 33% more volatile than the broader market. Comparatively, American Express has a beta of 1.06, indicating that its stock price is 6% more volatile than the broader market.

Synchrony Financial has a net margin of 15.80% compared to American Express' net margin of 15.13%. American Express' return on equity of 33.95% beat Synchrony Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Synchrony Financial15.80% 23.41% 3.05%
American Express 15.13%33.95%3.73%

In the previous week, American Express had 81 more articles in the media than Synchrony Financial. MarketBeat recorded 90 mentions for American Express and 9 mentions for Synchrony Financial. Synchrony Financial's average media sentiment score of 1.47 beat American Express' score of 1.21 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
8 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
American Express
66 Very Positive mention(s)
13 Positive mention(s)
7 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Positive

96.5% of Synchrony Financial shares are held by institutional investors. Comparatively, 84.3% of American Express shares are held by institutional investors. 0.4% of Synchrony Financial shares are held by insiders. Comparatively, 0.1% of American Express shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Synchrony Financial pays an annual dividend of $1.20 per share and has a dividend yield of 1.6%. American Express pays an annual dividend of $3.80 per share and has a dividend yield of 1.1%. Synchrony Financial pays out 12.4% of its earnings in the form of a dividend. American Express pays out 23.7% 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 American Express 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 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
Synchrony Financial$22.60B1.12$3.55B$9.677.79
American Express$72.23B3.20$10.83B$16.0321.14

Synchrony Financial presently has a consensus price target of $86.05, indicating a potential upside of 14.21%. American Express has a consensus price target of $360.80, indicating a potential upside of 6.47%. Given Synchrony Financial's stronger consensus rating and higher possible upside, equities analysts plainly believe Synchrony Financial is more favorable than American Express.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Synchrony Financial
0 Sell rating(s)
8 Hold rating(s)
12 Buy rating(s)
1 Strong Buy rating(s)
2.67
American Express
1 Sell rating(s)
12 Hold rating(s)
10 Buy rating(s)
1 Strong Buy rating(s)
2.46

Summary

Synchrony Financial beats American Express on 10 of the 18 factors compared between the two stocks.

How does Synchrony Financial compare to Bread Financial?

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

99.5% of Bread Financial shares are owned by institutional investors. Comparatively, 96.5% of Synchrony Financial shares are owned by institutional investors. 1.3% of Bread Financial 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 hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Synchrony Financial pays an annual dividend of $1.20 per share and has a dividend yield of 1.6%. Bread Financial pays out 7.5% of its earnings in the form of a dividend. Synchrony Financial pays out 12.4% 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.

In the previous week, Bread Financial had 5 more articles in the media than Synchrony Financial. MarketBeat recorded 14 mentions for Bread Financial and 9 mentions for Synchrony Financial. Synchrony Financial's average media sentiment score of 1.47 beat Bread Financial's score of 0.65 indicating that Synchrony Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Bread Financial
7 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Positive
Synchrony Financial
8 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Bread Financial presently has a consensus price target of $96.42, indicating a potential downside of 5.97%. Synchrony Financial has a consensus price target of $86.05, indicating a potential upside of 14.21%. Given Synchrony Financial's stronger consensus rating and higher possible upside, analysts clearly believe Synchrony Financial is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
2 Sell rating(s)
4 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
2.53
Synchrony Financial
0 Sell rating(s)
8 Hold rating(s)
12 Buy rating(s)
1 Strong Buy rating(s)
2.67

Bread Financial has a beta of 1.12, suggesting that its share price is 12% more volatile than the broader market. Comparatively, Synchrony Financial has a beta of 1.33, suggesting that its share price is 33% more volatile than the broader market.

Synchrony Financial has a net margin of 15.80% compared to Bread Financial's net margin of 11.90%. Synchrony Financial's return on equity of 23.41% beat Bread Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.90% 18.79% 2.79%
Synchrony Financial 15.80%23.41%3.05%

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
Bread Financial$4.70B0.88$518M$12.218.40
Synchrony Financial$22.60B1.12$3.55B$9.677.79

Summary

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

How does Synchrony Financial compare to Citigroup?

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

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
Citigroup$168.30B1.45$14.31B$8.0717.77
Synchrony Financial$22.60B1.12$3.55B$9.677.79

In the previous week, Citigroup had 139 more articles in the media than Synchrony Financial. MarketBeat recorded 148 mentions for Citigroup and 9 mentions for Synchrony Financial. Synchrony Financial's average media sentiment score of 1.47 beat Citigroup's score of 0.84 indicating that Synchrony Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citigroup
99 Very Positive mention(s)
10 Positive mention(s)
14 Neutral mention(s)
13 Negative mention(s)
11 Very Negative mention(s)
Positive
Synchrony Financial
8 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

71.7% of Citigroup shares are owned by institutional investors. Comparatively, 96.5% of Synchrony Financial shares are owned by institutional investors. 0.1% of Citigroup 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 endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Citigroup pays an annual dividend of $2.40 per share and has a dividend yield of 1.7%. Synchrony Financial pays an annual dividend of $1.20 per share and has a dividend yield of 1.6%. Citigroup pays out 29.7% of its earnings in the form of a dividend. Synchrony Financial pays out 12.4% 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. Citigroup has increased its dividend for 2 consecutive years and Synchrony Financial has increased its dividend for 4 consecutive years.

Citigroup currently has a consensus target price of $137.79, suggesting a potential downside of 3.89%. Synchrony Financial has a consensus target price of $86.05, suggesting a potential upside of 14.21%. Given Synchrony Financial's higher probable upside, analysts plainly believe Synchrony Financial is more favorable than Citigroup.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citigroup
0 Sell rating(s)
5 Hold rating(s)
14 Buy rating(s)
1 Strong Buy rating(s)
2.80
Synchrony Financial
0 Sell rating(s)
8 Hold rating(s)
12 Buy rating(s)
1 Strong Buy rating(s)
2.67

Citigroup has a beta of 1.12, indicating that its stock price is 12% more volatile than the broader market. Comparatively, Synchrony Financial has a beta of 1.33, indicating that its stock price is 33% more volatile than the broader market.

Synchrony Financial has a net margin of 15.80% compared to Citigroup's net margin of 9.35%. Synchrony Financial's return on equity of 23.41% beat Citigroup's return on equity.

Company Net Margins Return on Equity Return on Assets
Citigroup9.35% 9.19% 0.67%
Synchrony Financial 15.80%23.41%3.05%

Summary

Synchrony Financial beats Citigroup on 11 of the 19 factors compared between the two stocks.

How does Synchrony Financial compare to Citizens Financial Group?

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

Synchrony Financial pays an annual dividend of $1.20 per share and has a dividend yield of 1.6%. Citizens Financial Group pays an annual dividend of $1.84 per share and has a dividend yield of 2.7%. Synchrony Financial pays out 12.4% of its earnings in the form of a dividend. Citizens Financial Group pays out 43.5% 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 increased its dividend for 4 consecutive years.

Synchrony Financial presently has a consensus target price of $86.05, suggesting a potential upside of 14.21%. Citizens Financial Group has a consensus target price of $70.88, suggesting a potential upside of 5.61%. Given Synchrony Financial's higher possible upside, equities analysts clearly believe Synchrony Financial is more favorable than Citizens Financial Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Synchrony Financial
0 Sell rating(s)
8 Hold rating(s)
12 Buy rating(s)
1 Strong Buy rating(s)
2.67
Citizens Financial Group
0 Sell rating(s)
2 Hold rating(s)
18 Buy rating(s)
0 Strong Buy rating(s)
2.90

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

Citizens Financial Group has a net margin of 16.21% compared to Synchrony Financial's net margin of 15.80%. Synchrony Financial's return on equity of 23.41% beat Citizens Financial Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Synchrony Financial15.80% 23.41% 3.05%
Citizens Financial Group 16.21%8.31%0.88%

Synchrony Financial has a beta of 1.33, suggesting that its share price is 33% more volatile than the broader market. Comparatively, Citizens Financial Group has a beta of 0.68, suggesting that its share price is 32% less volatile than the broader market.

In the previous week, Citizens Financial Group had 4 more articles in the media than Synchrony Financial. MarketBeat recorded 13 mentions for Citizens Financial Group and 9 mentions for Synchrony Financial. Synchrony Financial's average media sentiment score of 1.47 beat Citizens Financial Group's score of 1.31 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
8 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens Financial Group
10 Very Positive mention(s)
0 Positive mention(s)
2 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
Synchrony Financial$22.60B1.12$3.55B$9.677.79
Citizens Financial Group$12.06B2.35$1.83B$4.2315.87

Summary

Synchrony Financial beats Citizens Financial Group on 12 of the 20 factors compared between the two stocks.

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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.
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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.
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SYF vs. The Competition

MetricSynchrony FinancialFIN IndustryFinance SectorNYSE Exchange
Market Cap$25.32B$7.34B$13.97B$23.21B
Dividend Yield1.59%5.35%5.74%4.06%
P/E Ratio7.7917.7720.2031.61
Price / Sales1.1211.75144.10112.15
Price / Cash6.3556.1019.5724.44
Price / Book1.683.552.254.68
Net Income$3.55B$300.94M$1.14B$1.08B
7 Day Performance2.70%0.78%-0.42%-0.82%
1 Month Performance4.55%0.33%1.14%1.61%
1 Year Performance20.86%14.63%22.75%24.87%

Synchrony Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
SYF
Synchrony Financial
4.735 of 5 stars
$75.34
+0.1%
$86.05
+14.2%
+22.7%$25.32B$22.60B7.7920,000
ALLY
Ally Financial
4.9674 of 5 stars
$45.52
+2.6%
$54.14
+19.0%
+23.7%$13.60B$7.91B11.1010,300
AXP
American Express
4.2461 of 5 stars
$335.55
+3.1%
$359.05
+7.0%
+14.3%$222.06B$72.23B20.9376,800
BFH
Bread Financial
3.8816 of 5 stars
$102.36
+0.6%
$96.42
-5.8%
+94.4%$4.11B$4.70B8.386,000
C
Citigroup
4.4203 of 5 stars
$141.18
+1.0%
$137.62
-2.5%
+83.2%$238.49B$168.30B17.49226,000

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This page (NYSE:SYF) was last updated on 6/20/2026 by MarketBeat.com Staff.
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