AGNC vs. SYF: AGNC Investment vs. Synchrony Financial Stock Comparison
How do AGNC Investment (AGNC) and Synchrony Financial (SYF) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
AGNC Investment (AGNC) and Synchrony Financial (SYF) both fall under the Financial Services industry group, but AGNC is classified in Mortgage Real Estate Investment Trusts (REITs) while SYF is classified in Consumer Finance.
Synchrony Financial (SYF) is an ordinary operating company, while AGNC Investment (AGNC) is a REIT — read its payout ratio and P/E alongside FFO (funds from operations) rather than comparing them directly to SYF’s multiples.
| Profile Item | AGNC | SYF |
|---|---|---|
| Name | AGNC Investment Corp. | Synchrony Financial |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Mortgage Real Estate Investment Trusts (REITs) | Consumer Finance |
| GICS Sub-Industry | Mortgage REITs | Consumer Finance |
| Market Capitalization | 11.18 billion USD | 23.99 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | May 15, 2008 | July 31, 2014 |
| Security Type | REIT | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AGNC | SYF |
|---|---|---|
| Total Return (1Y) | -1.36% | 2.84% |
| Total Return (3Y, Annualized) | 18.48% | 39.02% |
| Total Return (5Y, Annualized) | 2.31% | 10.89% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AGNC | SYF |
|---|---|---|
| Volatility (1Y, Annualized) | 22.24% | 31.32% |
| Beta (5Y) | 1.37 | 1.40 |
| Max Drawdown (5Y) | -49.02% | -44.60% |
| Avg. Volume (3M) | 28.79M | 3.37M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AGNC | SYF |
|---|---|---|
| Sharpe Ratio (1Y) | -0.25 | -0.05 |
| Sortino Ratio (1Y) | -0.36 | -0.06 |
Profitability
ROE (TTM)
Synchrony Financial (SYF) at 19.83% is around its peer norm for ROE, while AGNC Investment (AGNC) at 0.90% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
AGNC
Financial Services industry group
0.90%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- AGNC
- 0.90%
- Min
- -18.71%
SYF
Financial Services industry group
19.83%
- Max
- 44.78%
- Q3
- 21.85%
- SYF
- 19.83%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
For every dollar of sales, both AGNC Investment (AGNC) at 43.64% and Synchrony Financial (SYF) at 34.07% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
AGNC
Financial Services industry group
43.64%
- Max
- 62.84%
- AGNC
- 43.64%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
SYF
Financial Services industry group
34.07%
- Max
- 62.84%
- SYF
- 34.07%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
AGNC Investment (AGNC) at 102.11% operates in the top operating margin quartile, ahead of Synchrony Financial (SYF) at 49.84%, which runs around its industry’s norm.
AGNC
Financial Services industry group
102.11%
- Max
- 107.33%
- AGNC
- 102.11%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
SYF
Financial Services industry group
49.84%
- Max
- 107.33%
- Q3
- 55.90%
- SYF
- 49.84%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AGNC | SYF |
|---|---|---|
| ROE (TTM) | 0.90% | 19.83% |
| ROA (TTM) | 0.09% | 2.78% |
| Net Margin (TTM) | 43.64% | 34.07% |
| Operating Margin (TTM) | 102.11% | 49.84% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
AGNC Investment (AGNC) at 84.69% delivers above-range revenue growth, while Synchrony Financial (SYF) at -0.50% falls into the bottom quartile — a wide split in revenue momentum.
EPS Growth
AGNC Investment (AGNC) at 58.06% sits in the top EPS growth quartile, while Synchrony Financial (SYF) at 8.54% is closer to the peer norm — faster per-share earnings growth for AGNC.
Growth Metrics
| Metric | AGNC | SYF |
|---|---|---|
| Revenue Growth (YoY) | 84.69% | -0.50% |
| Revenue Growth (3Y CAGR) | -- | 8.67% |
| EPS Growth (YoY) | 58.06% | 8.54% |
| EPS Growth (3Y CAGR) | -- | 14.70% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: AGNC Investment (AGNC) in Financial Services and Synchrony Financial (SYF) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: AGNC Investment (AGNC) in Financial Services and Synchrony Financial (SYF) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | AGNC | SYF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Synchrony Financial (SYF) at 1.67% pays an industry-typical yield; AGNC Investment (AGNC) at 16.33% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.
AGNC
Financial Services industry group
16.33%
- AGNC
- 16.33%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
SYF
Financial Services industry group
1.67%
- Max
- 9.77%
- Q3
- 3.92%
- SYF
- 1.67%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
AGNC Investment (AGNC) reports payout ratio above 100% at 7,200.00%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Synchrony Financial (SYF) reports 12.94%, ranking against industry peers normally.
AGNC
Financial Services industry group
7,200.00%
- AGNC
- 7,200.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
SYF
Financial Services industry group
12.94%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- SYF
- 12.94%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AGNC | SYF |
|---|---|---|
| Dividend Yield (TTM) | 16.33% | 1.67% |
| Dividend Payout Ratio (TTM) | 7,200.00% | 12.94% |
Valuation
P/E Ratio (TTM)
Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while AGNC Investment (AGNC) at 439.00 trades above its peer range — a wide earnings-valuation gap relative to industry peers.
AGNC
Financial Services industry group
439.00
- AGNC
- 439.00
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
SYF
Financial Services industry group
7.70
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- SYF
- 7.70
- Min
- 0.16
P/S Ratio (TTM)
Synchrony Financial (SYF) at 2.45 prices around its industry’s typical P/S ratio, while AGNC Investment (AGNC) at 47.39 clears its benchmark range — AGNC looks notably rich on sales.
AGNC
Financial Services industry group
47.39
- AGNC
- 47.39
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
SYF
Financial Services industry group
2.45
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- SYF
- 2.45
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both AGNC Investment (AGNC) at 1.15 and Synchrony Financial (SYF) at 1.55 are valued close to their industries’ norm against book — neither stands out from peers.
AGNC
Financial Services industry group
1.15
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- AGNC
- 1.15
- Q1
- 0.81
- Min
- -0.39
SYF
Financial Services industry group
1.55
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- SYF
- 1.55
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AGNC | SYF |
|---|---|---|
| P/E Ratio (TTM) | 439.00 | 7.70 |
| P/S Ratio (TTM) | 47.39 | 2.45 |
| P/B Ratio (MRQ) | 1.15 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |