BEN vs. SYF: Franklin Templeton vs. Synchrony Financial Stock Comparison
How do Franklin Templeton (BEN) 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
Franklin Templeton (BEN) and Synchrony Financial (SYF) both fall under the Financial Services industry group, but BEN is classified in Capital Markets while SYF is classified in Consumer Finance.
| Profile Item | BEN | SYF |
|---|---|---|
| Name | Franklin Templeton Inc. | Synchrony Financial |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Consumer Finance |
| GICS Sub-Industry | Asset Management & Custody Banks | Consumer Finance |
| Market Capitalization | 17.29 billion USD | 23.99 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 23, 1983 | July 31, 2014 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BEN | SYF |
|---|---|---|
| Total Return (1Y) | 70.17% | 2.84% |
| Total Return (3Y, Annualized) | 22.48% | 39.02% |
| Total Return (5Y, Annualized) | 5.29% | 10.89% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BEN | SYF |
|---|---|---|
| Volatility (1Y, Annualized) | 29.18% | 31.32% |
| Beta (5Y) | 1.52 | 1.40 |
| Max Drawdown (5Y) | -45.39% | -44.60% |
| Avg. Volume (3M) | 3.70M | 3.37M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BEN | SYF |
|---|---|---|
| Sharpe Ratio (1Y) | 2.26 | -0.05 |
| Sortino Ratio (1Y) | 3.55 | -0.06 |
Profitability
ROE (TTM)
Both Franklin Templeton (BEN) at 10.51% and Synchrony Financial (SYF) at 19.83% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
BEN
Financial Services industry group
10.51%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- BEN
- 10.51%
- Q1
- 4.48%
- 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)
Synchrony Financial (SYF) at 34.07% retains a top-quartile share of revenue as profit, ahead of Franklin Templeton (BEN) at 11.42%, which keeps about the industry-typical share.
BEN
Financial Services industry group
11.42%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- BEN
- 11.42%
- 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)
Both Franklin Templeton (BEN) at 14.61% and Synchrony Financial (SYF) at 49.84% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
BEN
Financial Services industry group
14.61%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- BEN
- 14.61%
- 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 | BEN | SYF |
|---|---|---|
| ROE (TTM) | 10.51% | 19.83% |
| ROA (TTM) | -- | 2.78% |
| Net Margin (TTM) | 11.42% | 34.07% |
| Operating Margin (TTM) | 14.61% | 49.84% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Only one side can be read here: Synchrony Financial (SYF) reports revenue growth of -0.50%, ranked against its industry; Franklin Templeton (BEN) has no revenue growth figure this period.
EPS Growth
Franklin Templeton (BEN) at 116.48% 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 BEN.
Growth Metrics
| Metric | BEN | SYF |
|---|---|---|
| Revenue Growth (YoY) | -- | -0.50% |
| Revenue Growth (3Y CAGR) | -- | 8.67% |
| EPS Growth (YoY) | 116.48% | 8.54% |
| EPS Growth (3Y CAGR) | 4.63% | 14.70% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Franklin Templeton (BEN) 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: Franklin Templeton (BEN) 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 | BEN | SYF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Franklin Templeton (BEN) at 4.10% delivers top-quartile income for its industry, while Synchrony Financial (SYF) at 1.67% pays a more typical yield — both are credible income propositions, BEN the richer one.
BEN
Financial Services industry group
4.10%
- Max
- 9.77%
- BEN
- 4.10%
- 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)
Both Franklin Templeton (BEN) at 89.12% and Synchrony Financial (SYF) at 12.94% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
BEN
Financial Services industry group
89.12%
- Max
- 241.07%
- Q3
- 97.36%
- BEN
- 89.12%
- 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 | BEN | SYF |
|---|---|---|
| Dividend Yield (TTM) | 4.10% | 1.67% |
| Dividend Payout Ratio (TTM) | 89.12% | 12.94% |
Valuation
P/E Ratio (TTM)
Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while Franklin Templeton (BEN) at 17.12 is closer to its industry’s usual earnings multiple — a discount for SYF, though growth and earnings durability still matter.
BEN
Financial Services industry group
17.12
- Max
- 45.85
- Q3
- 24.64
- BEN
- 17.12
- 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)
On P/S ratio, both Franklin Templeton (BEN) at 1.84 and Synchrony Financial (SYF) at 2.45 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
BEN
Financial Services industry group
1.84
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- BEN
- 1.84
- 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 Franklin Templeton (BEN) at 1.46 and Synchrony Financial (SYF) at 1.55 are valued close to their industries’ norm against book — neither stands out from peers.
BEN
Financial Services industry group
1.46
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- BEN
- 1.46
- 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 | BEN | SYF |
|---|---|---|
| P/E Ratio (TTM) | 17.12 | 7.70 |
| P/S Ratio (TTM) | 1.84 | 2.45 |
| P/B Ratio (MRQ) | 1.46 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |