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Synchrony Financial (SYF) Competitors

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$75.78 -1.57 (-2.03%)
As of 12:13 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? 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 compare the two businesses based on the strength of their profitability, dividends, valuation, earnings, analyst recommendations, media sentiment, risk and institutional ownership.

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$22.60B1.09$3.55B$9.767.78
Ally Financial$7.91B1.61$852M$4.249.89

Synchrony Financial pays an annual dividend of $1.36 per share and has a dividend yield of 1.8%. Ally Financial pays an annual dividend of $1.20 per share and has a dividend yield of 2.9%. Synchrony Financial pays out 13.9% of its earnings in the form of a dividend. Ally Financial pays out 28.3% 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 increased its dividend for 4 consecutive years.

In the previous week, Synchrony Financial had 9 more articles in the media than Ally Financial. MarketBeat recorded 11 mentions for Synchrony Financial and 2 mentions for Ally Financial. Synchrony Financial's average media sentiment score of 1.40 beat Ally Financial's score of 1.16 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
9 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Ally Financial
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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 is poised for long-term growth.

Synchrony Financial presently has a consensus price target of $87.78, indicating a potential upside of 15.66%. Ally Financial has a consensus price target of $53.73, indicating a potential upside of 28.15%. Given Ally Financial's stronger consensus rating and higher probable upside, analysts plainly 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)
7 Hold rating(s)
12 Buy rating(s)
0 Strong Buy rating(s)
2.63
Ally Financial
0 Sell rating(s)
2 Hold rating(s)
14 Buy rating(s)
1 Strong Buy rating(s)
2.94

Synchrony Financial has a beta of 1.32, indicating that its share price is 32% more volatile than the broader market. Comparatively, Ally Financial has a beta of 1.09, indicating that its share price is 9% more volatile than the broader market.

Ally Financial has a net margin of 16.75% compared to Synchrony Financial's net margin of 15.44%. Synchrony Financial's return on equity of 23.09% beat Ally Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Synchrony Financial15.44% 23.09% 2.98%
Ally Financial 16.75%11.75%0.79%

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?

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 businesses based on the strength of their earnings, valuation, profitability, analyst recommendations, institutional ownership, risk, media sentiment and dividends.

American Express has a beta of 1.05, suggesting that its share price is 5% more volatile than the broader market. Comparatively, Synchrony Financial has a beta of 1.32, suggesting that its share price is 32% more volatile than the broader market.

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 1.8%. American Express pays out 23.1% of its earnings in the form of a dividend. Synchrony Financial pays out 13.9% 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 increased its dividend for 4 consecutive years and Synchrony Financial has increased 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
American Express$72.23B3.00$10.83B$16.4819.47
Synchrony Financial$22.60B1.09$3.55B$9.767.78

In the previous week, American Express had 21 more articles in the media than Synchrony Financial. MarketBeat recorded 32 mentions for American Express and 11 mentions for Synchrony Financial. Synchrony Financial's average media sentiment score of 1.40 beat American Express' score of 1.11 indicating that Synchrony Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
American Express
24 Very Positive mention(s)
1 Positive mention(s)
6 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Synchrony Financial
9 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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 stock is poised for long-term growth.

Synchrony Financial has a net margin of 15.44% compared to American Express' net margin of 15.07%. American Express' return on equity of 34.12% beat Synchrony Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
American Express15.07% 34.12% 3.77%
Synchrony Financial 15.44%23.09%2.98%

American Express currently has a consensus price target of $373.32, indicating a potential upside of 16.32%. Synchrony Financial has a consensus price target of $87.78, indicating a potential upside of 15.66%. Given American Express' higher probable upside, research analysts plainly believe American Express is more favorable than Synchrony Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
American Express
1 Sell rating(s)
10 Hold rating(s)
12 Buy rating(s)
1 Strong Buy rating(s)
2.54
Synchrony Financial
0 Sell rating(s)
7 Hold rating(s)
12 Buy rating(s)
0 Strong Buy rating(s)
2.63

Summary

American Express beats Synchrony Financial on 10 of the 18 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 stock? We will contrast the two companies based on the strength of their media sentiment, valuation, analyst recommendations, earnings, risk, institutional ownership, profitability and dividends.

Synchrony Financial has a net margin of 15.44% compared to Bread Financial's net margin of 11.95%. Synchrony Financial's return on equity of 23.09% beat Bread Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Synchrony Financial15.44% 23.09% 2.98%
Bread Financial 11.95%18.42%2.76%

Synchrony Financial currently has a consensus target price of $87.78, indicating a potential upside of 15.66%. Bread Financial has a consensus target price of $112.08, indicating a potential upside of 5.23%. Given Synchrony Financial's stronger consensus rating and higher probable upside, research 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)
7 Hold rating(s)
12 Buy rating(s)
0 Strong Buy rating(s)
2.63
Bread Financial
1 Sell rating(s)
5 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
2.60

96.5% of Synchrony Financial shares are held by institutional investors. Comparatively, 99.5% of Bread Financial shares are held by institutional investors. 0.4% of Synchrony Financial shares are held by insiders. Comparatively, 1.3% of Bread Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Synchrony Financial has a beta of 1.32, suggesting that its share price is 32% more volatile than the broader market. Comparatively, Bread Financial has a beta of 1.1, suggesting that its share price is 10% more volatile than the broader market.

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$22.60B1.09$3.55B$9.767.78
Bread Financial$4.70B0.87$518M$12.828.31

In the previous week, Synchrony Financial had 5 more articles in the media than Bread Financial. MarketBeat recorded 11 mentions for Synchrony Financial and 6 mentions for Bread Financial. Synchrony Financial's average media sentiment score of 1.40 beat Bread Financial's score of 1.19 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
9 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Bread Financial
4 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Synchrony Financial pays an annual dividend of $1.36 per share and has a dividend yield of 1.8%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Synchrony Financial pays out 13.9% of its earnings in the form of a dividend. Bread Financial pays out 7.2% 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. Synchrony Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Synchrony Financial beats Bread Financial on 14 of the 20 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 finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, profitability, dividends, media sentiment, analyst recommendations, valuation, risk and institutional ownership.

Citigroup 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 1.32, suggesting that its share price is 32% more volatile than the broader market.

Citigroup presently has a consensus price target of $145.22, indicating a potential upside of 5.22%. Synchrony Financial has a consensus price target of $87.78, indicating a potential upside of 15.66%. 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)
4 Hold rating(s)
13 Buy rating(s)
2 Strong Buy rating(s)
2.89
Synchrony Financial
0 Sell rating(s)
7 Hold rating(s)
12 Buy rating(s)
0 Strong Buy rating(s)
2.63

Synchrony Financial has a net margin of 15.44% compared to Citigroup's net margin of 10.23%. Synchrony Financial's return on equity of 23.09% beat Citigroup's return on equity.

Company Net Margins Return on Equity Return on Assets
Citigroup10.23% 10.15% 0.72%
Synchrony Financial 15.44%23.09%2.98%

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$168.30B1.40$14.31B$9.2614.90
Synchrony Financial$22.60B1.09$3.55B$9.767.78

Citigroup pays an annual dividend of $2.68 per share and has a dividend yield of 1.9%. Synchrony Financial pays an annual dividend of $1.36 per share and has a dividend yield of 1.8%. Citigroup pays out 28.9% of its earnings in the form of a dividend. Synchrony Financial pays out 13.9% 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.

In the previous week, Citigroup had 83 more articles in the media than Synchrony Financial. MarketBeat recorded 94 mentions for Citigroup and 11 mentions for Synchrony Financial. Synchrony Financial's average media sentiment score of 1.40 beat Citigroup's score of 0.55 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
59 Very Positive mention(s)
10 Positive mention(s)
9 Neutral mention(s)
7 Negative mention(s)
9 Very Negative mention(s)
Positive
Synchrony Financial
9 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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

Summary

Synchrony Financial beats Citigroup on 11 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 superior business? We will contrast the two businesses based on the strength of their media sentiment, earnings, dividends, profitability, institutional ownership, risk, analyst recommendations and valuation.

In the previous week, Synchrony Financial had 3 more articles in the media than Citizens Financial Group. MarketBeat recorded 11 mentions for Synchrony Financial and 8 mentions for Citizens Financial Group. Citizens Financial Group's average media sentiment score of 1.66 beat Synchrony Financial's score of 1.40 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
8 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Synchrony Financial
9 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Citizens Financial Group has a beta of 0.66, meaning that its share price is 34% less volatile than the broader market. Comparatively, Synchrony Financial has a beta of 1.32, meaning that its share price is 32% more volatile than the broader market.

Citizens Financial Group has a net margin of 17.18% compared to Synchrony Financial's net margin of 15.44%. Synchrony Financial's return on equity of 23.09% beat Citizens Financial Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Group17.18% 8.85% 0.93%
Synchrony Financial 15.44%23.09%2.98%

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$12.06B2.41$1.83B$4.6114.97
Synchrony Financial$22.60B1.09$3.55B$9.767.78

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 insiders. Comparatively, 0.4% of Synchrony Financial shares are owned 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.

Citizens Financial Group pays an annual dividend of $1.84 per share and has a dividend yield of 2.7%. Synchrony Financial pays an annual dividend of $1.36 per share and has a dividend yield of 1.8%. Citizens Financial Group pays out 39.9% of its earnings in the form of a dividend. Synchrony Financial pays out 13.9% 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.

Citizens Financial Group presently has a consensus target price of $79.80, suggesting a potential upside of 15.62%. Synchrony Financial has a consensus target price of $87.78, suggesting a potential upside of 15.66%. 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)
16 Buy rating(s)
0 Strong Buy rating(s)
2.80
Synchrony Financial
0 Sell rating(s)
7 Hold rating(s)
12 Buy rating(s)
0 Strong Buy rating(s)
2.63

Summary

Synchrony Financial beats Citizens Financial Group on 11 of the 19 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 FinancialConsumer Finance IndustryFinance SectorNYSE Exchange
Market Cap$24.65B$7.18B$13.93B$23.21B
Dividend Yield1.73%12.70%5.91%3.76%
P/E Ratio7.769.0325.5928.62
Price / Sales1.0968.25500.8819.75
Price / Cash6.6411.6740.7034.36
Price / Book1.702.612.754.73
Net Income$3.55B$442.63M$1.32B$1.07B
7 Day Performance-4.95%-0.92%2.26%-1.90%
1 Month Performance-2.81%-1.63%0.48%-2.44%
1 Year Performance1.43%7.25%10.36%11.10%

Synchrony Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
SYF
Synchrony Financial
4.784 of 5 stars
$75.78
-2.0%
$87.78
+15.8%
+1.6%$24.67B$22.60B7.7720,000
ALLY
Ally Financial
4.9952 of 5 stars
$42.16
0.0%
$53.64
+27.2%
+1.1%$12.83B$7.91B9.9410,300
AXP
American Express
4.5647 of 5 stars
$330.61
-0.8%
$373.32
+12.9%
-0.8%$225.01B$72.23B20.0676,800
BFH
Bread Financial
3.6165 of 5 stars
$104.15
-1.5%
$112.08
+7.6%
+66.8%$4.06B$4.70B8.126,000
C
Citigroup
4.5256 of 5 stars
$131.61
-1.0%
$145.22
+10.3%
+41.7%$226.67B$168.30B14.21226,000

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This page (NYSE:SYF) was last updated on 9/10/2026 by MarketBeat.com Staff.
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