CPAY vs. SYF: Corpay vs. Synchrony Financial Stock Comparison
How do Corpay (CPAY) 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
Corpay (CPAY) and Synchrony Financial (SYF) both fall under the Financial Services industry group, but CPAY is classified in Financial Services while SYF is classified in Consumer Finance.
| Profile Item | CPAY | SYF |
|---|---|---|
| Name | Corpay Inc. | Synchrony Financial |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Consumer Finance |
| GICS Sub-Industry | Transaction & Payment Processing Services | Consumer Finance |
| Market Capitalization | 29.12 billion USD | 23.99 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 2010 | July 31, 2014 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CPAY | SYF |
|---|---|---|
| Total Return (1Y) | 65.09% | 2.84% |
| Total Return (3Y, Annualized) | 25.90% | 39.02% |
| Total Return (5Y, Annualized) | 13.34% | 10.89% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CPAY | SYF |
|---|---|---|
| Volatility (1Y, Annualized) | 36.03% | 31.32% |
| Beta (5Y) | 0.87 | 1.40 |
| Max Drawdown (5Y) | -37.33% | -44.60% |
| Avg. Volume (3M) | 489.47K | 3.37M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CPAY | SYF |
|---|---|---|
| Sharpe Ratio (1Y) | 1.69 | -0.05 |
| Sortino Ratio (1Y) | 2.83 | -0.06 |
Profitability
ROE (TTM)
Corpay (CPAY) at 32.21% sits in the top ROE quartile, while Synchrony Financial (SYF) at 19.83% is closer to the peer norm — stronger capital efficiency for CPAY.
CPAY
Financial Services industry group
32.21%
- Max
- 44.78%
- CPAY
- 32.21%
- Q3
- 21.85%
- Median
- 12.91%
- 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 Corpay (CPAY) at 23.73%, which keeps about the industry-typical share.
CPAY
Financial Services industry group
23.73%
- Max
- 62.84%
- Q3
- 28.05%
- CPAY
- 23.73%
- 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)
Both Corpay (CPAY) at 49.15% and Synchrony Financial (SYF) at 49.84% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
CPAY
Financial Services industry group
49.15%
- Max
- 107.33%
- Q3
- 55.90%
- CPAY
- 49.15%
- 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 | CPAY | SYF |
|---|---|---|
| ROE (TTM) | 32.21% | 19.83% |
| ROA (TTM) | 6.80% | 2.78% |
| Net Margin (TTM) | 23.73% | 34.07% |
| Operating Margin (TTM) | 49.15% | 49.84% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Corpay (CPAY) at 13.93% is around its peer norm for revenue growth, while Synchrony Financial (SYF) at -0.50% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Corpay (CPAY) at 7.59% and Synchrony Financial (SYF) at 8.54% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | CPAY | SYF |
|---|---|---|
| Revenue Growth (YoY) | 13.93% | -0.50% |
| Revenue Growth (3Y CAGR) | 9.73% | 8.67% |
| EPS Growth (YoY) | 7.59% | 8.54% |
| EPS Growth (3Y CAGR) | 6.56% | 14.70% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Corpay (CPAY) 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: Corpay (CPAY) 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 | CPAY | SYF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Corpay (CPAY) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Synchrony Financial (SYF) reports a yield of 1.67%, ranking against industry peers normally.
CPAY
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- CPAY
- 0.00%
- 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)
Corpay (CPAY) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Synchrony Financial (SYF) reports a payout of 12.94%, ranking against industry peers normally.
CPAY
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- CPAY
- 0.00%
- 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 | CPAY | SYF |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.67% |
| Dividend Payout Ratio (TTM) | 0.00% | 12.94% |
Valuation
P/E Ratio (TTM)
Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while Corpay (CPAY) at 25.02 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
CPAY
Financial Services industry group
25.02
- Max
- 45.85
- CPAY
- 25.02
- 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 is priced about in line with its industry on P/S ratio, while Corpay (CPAY) at 5.57 sits in the pricier quartile — CPAY costs more per dollar of sales.
CPAY
Financial Services industry group
5.57
- Max
- 9.23
- CPAY
- 5.57
- 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)
Synchrony Financial (SYF) at 1.55 sits near its industry’s typical P/B ratio, while Corpay (CPAY) at 8.89 prices above its benchmark range — CPAY looks rich relative to book.
CPAY
Financial Services industry group
8.89
- CPAY
- 8.89
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- 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 | CPAY | SYF |
|---|---|---|
| P/E Ratio (TTM) | 25.02 | 7.70 |
| P/S Ratio (TTM) | 5.57 | 2.45 |
| P/B Ratio (MRQ) | 8.89 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |