FRHC vs. SYF: Freedom vs. Synchrony Financial Stock Comparison
How do Freedom (FRHC) 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
Freedom (FRHC) and Synchrony Financial (SYF) both fall under the Financial Services industry group, but FRHC is classified in Capital Markets while SYF is classified in Consumer Finance.
| Profile Item | FRHC | SYF |
|---|---|---|
| Name | Freedom Holding Corp. | 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 | Investment Banking & Brokerage | Consumer Finance |
| Market Capitalization | 11.41 billion USD | 23.99 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | February 7, 2018 | July 31, 2014 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FRHC | SYF |
|---|---|---|
| Total Return (1Y) | 18.04% | 2.84% |
| Total Return (3Y, Annualized) | 28.04% | 39.02% |
| Total Return (5Y, Annualized) | 18.95% | 10.89% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FRHC | SYF |
|---|---|---|
| Volatility (1Y, Annualized) | 47.01% | 31.32% |
| Beta (5Y) | 0.71 | 1.40 |
| Max Drawdown (5Y) | -45.80% | -44.60% |
| Avg. Volume (3M) | 108.35K | 3.37M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FRHC | SYF |
|---|---|---|
| Sharpe Ratio (1Y) | 0.29 | -0.05 |
| Sortino Ratio (1Y) | 0.45 | -0.06 |
Profitability
ROE (TTM)
Both Freedom (FRHC) at 10.68% 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.
FRHC
Financial Services industry group
10.68%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- FRHC
- 10.68%
- 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 Freedom (FRHC) at 8.43%, which keeps about the industry-typical share.
FRHC
Financial Services industry group
8.43%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- FRHC
- 8.43%
- 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)
Synchrony Financial (SYF) at 49.84% runs core operations around its industry’s norm, while Freedom (FRHC) at 5.01% operates in the bottom quartile.
FRHC
Financial Services industry group
5.01%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- FRHC
- 5.01%
- 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 | FRHC | SYF |
|---|---|---|
| ROE (TTM) | 10.68% | 19.83% |
| ROA (TTM) | 1.24% | 2.78% |
| Net Margin (TTM) | 8.43% | 34.07% |
| Operating Margin (TTM) | 5.01% | 49.84% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Freedom (FRHC) at 8.97% 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
Freedom (FRHC) at 98.93% 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 FRHC.
Growth Metrics
| Metric | FRHC | SYF |
|---|---|---|
| Revenue Growth (YoY) | 8.97% | -0.50% |
| Revenue Growth (3Y CAGR) | 39.61% | 8.67% |
| EPS Growth (YoY) | 98.93% | 8.54% |
| EPS Growth (3Y CAGR) | -10.08% | 14.70% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Freedom (FRHC) 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: Freedom (FRHC) 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 | FRHC | SYF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Freedom (FRHC) 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.
FRHC
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- FRHC
- 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)
Freedom (FRHC) 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.
FRHC
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- FRHC
- 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 | FRHC | 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 Freedom (FRHC) at 70.97 trades above its peer range — a wide earnings-valuation gap relative to industry peers.
FRHC
Financial Services industry group
70.97
- FRHC
- 70.97
- Max
- 45.85
- 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 Freedom (FRHC) at 6.51 sits in the pricier quartile — FRHC costs more per dollar of sales.
FRHC
Financial Services industry group
6.51
- Max
- 9.23
- FRHC
- 6.51
- 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 is valued about in line with its industry on P/B ratio, while Freedom (FRHC) at 7.16 carries an above-peer premium to book — FRHC is pricier on assets.
FRHC
Financial Services industry group
7.16
- Max
- 7.79
- FRHC
- 7.16
- 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 | FRHC | SYF |
|---|---|---|
| P/E Ratio (TTM) | 70.97 | 7.70 |
| P/S Ratio (TTM) | 6.51 | 2.45 |
| P/B Ratio (MRQ) | 7.16 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |