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CFG vs. SYF: A Head-to-Head Stock Comparison

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Here’s a clear look at CFG and SYF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolCFGSYF
Company NameCitizens Financial Group, Inc.Synchrony Financial
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksConsumer Finance
Market Capitalization20.94 billion USD27.01 billion USD
ExchangeNYSENYSE
Listing DateSeptember 24, 2014July 31, 2014
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of CFG and SYF by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

CFG vs. SYF: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolCFGSYF
5-Day Price Return4.10%6.05%
13-Week Price Return16.73%20.26%
26-Week Price Return0.48%6.42%
52-Week Price Return22.91%59.01%
Month-to-Date Return1.74%4.19%
Year-to-Date Return10.95%11.68%
10-Day Avg. Volume4.24M3.71M
3-Month Avg. Volume5.19M3.98M
3-Month Volatility26.16%31.23%
Beta1.171.54

Profitability

Return on Equity (TTM)

CFG

6.41%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

CFG’s Return on Equity of 6.41% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

SYF

19.89%

Consumer Finance Industry

Max
32.87%
Q3
20.39%
Median
14.14%
Q1
7.64%
Min
-10.63%

SYF’s Return on Equity of 19.89% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.

CFG vs. SYF: A comparison of their Return on Equity (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

CFG

24.56%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

CFG’s Net Profit Margin of 24.56% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

SYF

14.06%

Consumer Finance Industry

Max
19.68%
Q3
15.94%
Median
13.37%
Q1
9.73%
Min
3.66%

SYF’s Net Profit Margin of 14.06% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.

CFG vs. SYF: A comparison of their Net Profit Margin (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

CFG

31.45%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

CFG’s Operating Profit Margin of 31.45% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

SYF

18.39%

Consumer Finance Industry

Max
50.11%
Q3
29.38%
Median
18.31%
Q1
14.26%
Min
-5.45%

SYF’s Operating Profit Margin of 18.39% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

CFG vs. SYF: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Profitability at a Glance

SymbolCFGSYF
Return on Equity (TTM)6.41%19.89%
Return on Assets (TTM)0.73%2.73%
Net Profit Margin (TTM)24.56%14.06%
Operating Profit Margin (TTM)31.45%18.39%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

CFG

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SYF

--

Consumer Finance Industry

Max
5.34
Q3
4.21
Median
2.67
Q1
0.71
Min
0.20

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CFG vs. SYF: A comparison of their Current Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

CFG

0.45

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

SYF

0.94

Consumer Finance Industry

Max
6.63
Q3
3.39
Median
2.21
Q1
0.94
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

CFG vs. SYF: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

CFG

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

SYF

--

Consumer Finance Industry

Max
49.63
Q3
39.33
Median
4.56
Q1
2.97
Min
-15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

CFG vs. SYF: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Financial Strength at a Glance

SymbolCFGSYF
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)0.450.94
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

CFG vs. SYF: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

CFG vs. SYF: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

CFG

4.28%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

CFG’s Dividend Yield of 4.28% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

SYF

1.82%

Consumer Finance Industry

Max
8.31%
Q3
3.93%
Median
2.51%
Q1
0.84%
Min
0.00%

SYF’s Dividend Yield of 1.82% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

CFG vs. SYF: A comparison of their Dividend Yield (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

CFG

55.84%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

CFG’s Dividend Payout Ratio of 55.84% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

SYF

14.94%

Consumer Finance Industry

Max
145.89%
Q3
88.53%
Median
23.79%
Q1
0.00%
Min
0.00%

SYF’s Dividend Payout Ratio of 14.94% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CFG vs. SYF: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Dividend at a Glance

SymbolCFGSYF
Dividend Yield (TTM)4.28%1.82%
Dividend Payout Ratio (TTM)55.84%14.94%

Valuation

Price-to-Earnings Ratio (TTM)

CFG

13.04

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

A P/E Ratio of 13.04 places CFG in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

SYF

8.19

Consumer Finance Industry

Max
34.39
Q3
20.36
Median
13.05
Q1
9.29
Min
4.74

In the lower quartile for the Consumer Finance industry, SYF’s P/E Ratio of 8.19 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

CFG vs. SYF: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

CFG

1.48

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

SYF

0.73

Consumer Finance Industry

Max
4.28
Q3
2.67
Median
1.88
Q1
1.15
Min
0.55

In the lower quartile for the Consumer Finance industry, SYF’s P/S Ratio of 0.73 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

CFG vs. SYF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

CFG

0.77

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

CFG’s P/B Ratio of 0.77 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

SYF

1.50

Consumer Finance Industry

Max
3.63
Q3
2.40
Median
1.96
Q1
1.16
Min
0.26

SYF’s P/B Ratio of 1.50 is within the conventional range for the Consumer Finance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

CFG vs. SYF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Valuation at a Glance

SymbolCFGSYF
Price-to-Earnings Ratio (TTM)13.048.19
Price-to-Sales Ratio (TTM)1.480.73
Price-to-Book Ratio (MRQ)0.771.50
Price-to-Free Cash Flow Ratio (TTM)15.002.73