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

Updated on August 19, 2025

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

Company Profile

Symbol	DB	SYF
Company Name	Deutsche Bank Aktiengesellschaft	Synchrony Financial
Country	Germany	United States
GICS Sector	Financials	Financials
GICS Industry	Capital Markets	Consumer Finance
Market Capitalization	69.67 billion USD	27.01 billion USD
Exchange	NYSE	NYSE
Listing Date	November 18, 1996	July 31, 2014
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of DB 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.

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

Historical Performance at a Glance

Symbol	DB	SYF
5-Day Price Return	4.08%	6.05%
13-Week Price Return	24.93%	20.26%
26-Week Price Return	66.71%	6.42%
52-Week Price Return	131.65%	59.01%
Month-to-Date Return	6.93%	4.19%
Year-to-Date Return	86.27%	11.68%
10-Day Avg. Volume	5.30M	3.71M
3-Month Avg. Volume	7.33M	3.98M
3-Month Volatility	32.91%	31.23%
Beta	1.39	1.54

Profitability

Return on Equity (TTM)

DB

7.23%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

DB’s Return on Equity of 7.23% is in the lower quartile for the Capital Markets 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.

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

Net Profit Margin (TTM)

DB

19.06%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

DB’s Net Profit Margin of 19.06% is aligned with the median group of its peers in the Capital Markets 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.

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

Operating Profit Margin (TTM)

DB

20.16%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

DB’s Operating Profit Margin of 20.16% is around the midpoint for the Capital Markets 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.

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

Profitability at a Glance

Symbol	DB	SYF
Return on Equity (TTM)	7.23%	19.89%
Return on Assets (TTM)	0.40%	2.73%
Net Profit Margin (TTM)	19.06%	14.06%
Operating Profit Margin (TTM)	20.16%	18.39%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

DB

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

For the Capital Markets 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.

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

Debt-to-Equity Ratio (MRQ)

DB

3.16

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

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

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

Interest Coverage Ratio (TTM)

DB

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

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

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

Financial Strength at a Glance

Symbol	DB	SYF
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	3.16	0.94
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

DB 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

DB 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)

DB

2.18%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

DB’s Dividend Yield of 2.18% is consistent with its peers in the Capital Markets 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.

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

Dividend Payout Ratio (TTM)

DB

77.95%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

DB’s Dividend Payout Ratio of 77.95% is within the typical range for the Capital Markets 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.

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

Dividend at a Glance

Symbol	DB	SYF
Dividend Yield (TTM)	2.18%	1.82%
Dividend Payout Ratio (TTM)	77.95%	14.94%

Valuation

Price-to-Earnings Ratio (TTM)

DB

10.79

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

In the lower quartile for the Capital Markets industry, DB’s P/E Ratio of 10.79 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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.

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

Price-to-Sales Ratio (TTM)

DB

0.79

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

In the lower quartile for the Capital Markets industry, DB’s P/S Ratio of 0.79 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.

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.

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

Price-to-Book Ratio (MRQ)

DB

0.64

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

DB’s P/B Ratio of 0.64 is in the lower quartile for the Capital Markets 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.

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

Valuation at a Glance

Symbol	DB	SYF
Price-to-Earnings Ratio (TTM)	10.79	8.19
Price-to-Sales Ratio (TTM)	0.79	0.73
Price-to-Book Ratio (MRQ)	0.64	1.50
Price-to-Free Cash Flow Ratio (TTM)	2.37	2.73