DB vs. SYF: Deutsche Bank vs. Synchrony Financial Stock Comparison
How do Deutsche Bank (DB) 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
Deutsche Bank (DB) and Synchrony Financial (SYF) both fall under the Financial Services industry group, but DB is classified in Capital Markets while SYF is classified in Consumer Finance.
| Profile Item | DB | SYF |
|---|---|---|
| Name | Deutsche Bank AG | Synchrony Financial |
| Country/Region | Germany | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Consumer Finance |
| GICS Sub-Industry | Diversified Capital Markets | Consumer Finance |
| Market Capitalization | 64.60 billion USD | 23.99 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 18, 1996 | July 31, 2014 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | DB | SYF |
|---|---|---|
| Total Return (1Y) | 3.59% | 2.84% |
| Total Return (3Y, Annualized) | 52.91% | 39.02% |
| Total Return (5Y, Annualized) | 26.98% | 10.89% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | DB | SYF |
|---|---|---|
| Volatility (1Y, Annualized) | 35.30% | 31.32% |
| Beta (5Y) | 1.04 | 1.40 |
| Max Drawdown (5Y) | -54.19% | -44.60% |
| Avg. Volume (3M) | 2.22M | 3.37M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | DB | SYF |
|---|---|---|
| Sharpe Ratio (1Y) | -0.02 | -0.05 |
| Sortino Ratio (1Y) | -0.03 | -0.06 |
Profitability
ROE (TTM)
Both Deutsche Bank (DB) at 8.98% 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.
DB
Financial Services industry group
8.98%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- DB
- 8.98%
- 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 Deutsche Bank (DB) at 22.67%, which keeps about the industry-typical share.
DB
Financial Services industry group
22.67%
- Max
- 62.84%
- Q3
- 28.05%
- DB
- 22.67%
- 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 Deutsche Bank (DB) at 33.58% and Synchrony Financial (SYF) at 49.84% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
DB
Financial Services industry group
33.58%
- Max
- 107.33%
- Q3
- 55.90%
- DB
- 33.58%
- 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 | DB | SYF |
|---|---|---|
| ROE (TTM) | 8.98% | 19.83% |
| ROA (TTM) | 0.48% | 2.78% |
| Net Margin (TTM) | 22.67% | 34.07% |
| Operating Margin (TTM) | 33.58% | 49.84% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Deutsche Bank (DB) at 6.83% 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
Deutsche Bank (DB) at 130.39% 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 DB.
Growth Metrics
| Metric | DB | SYF |
|---|---|---|
| Revenue Growth (YoY) | 6.83% | -0.50% |
| Revenue Growth (3Y CAGR) | 6.39% | 8.67% |
| EPS Growth (YoY) | 130.39% | 8.54% |
| EPS Growth (3Y CAGR) | 10.02% | 14.70% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Deutsche Bank (DB) 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: Deutsche Bank (DB) 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 | DB | SYF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Deutsche Bank (DB) at 2.75% and Synchrony Financial (SYF) at 1.67% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
DB
Financial Services industry group
2.75%
- Max
- 9.77%
- Q3
- 3.92%
- DB
- 2.75%
- 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 Deutsche Bank (DB) at 30.04% 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.
DB
Financial Services industry group
30.04%
- Max
- 241.07%
- Q3
- 97.36%
- DB
- 30.04%
- 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 | DB | SYF |
|---|---|---|
| Dividend Yield (TTM) | 2.75% | 1.67% |
| Dividend Payout Ratio (TTM) | 30.04% | 12.94% |
Valuation
P/E Ratio (TTM)
Both Deutsche Bank (DB) at 9.00 and Synchrony Financial (SYF) at 7.70 sit in the cheaper earnings-multiple quartile for P/E ratio, with the market paying less for a dollar of trailing earnings than it pays for typical peers.
DB
Financial Services industry group
9.00
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- DB
- 9.00
- 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 Deutsche Bank (DB) at 2.11 and Synchrony Financial (SYF) at 2.45 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
DB
Financial Services industry group
2.11
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- DB
- 2.11
- 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)
Deutsche Bank (DB) at 0.72 sits in the lower P/B ratio quartile against book while Synchrony Financial (SYF) at 1.55 is valued near its industry’s middle — DB is cheaper on assets, though weigh it against ROE and asset quality.
DB
Financial Services industry group
0.72
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- DB
- 0.72
- 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 | DB | SYF |
|---|---|---|
| P/E Ratio (TTM) | 9.00 | 7.70 |
| P/S Ratio (TTM) | 2.11 | 2.45 |
| P/B Ratio (MRQ) | 0.72 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |