FUTU vs. SYF: Futu vs. Synchrony Financial Stock Comparison

Company Profile

Futu (FUTU) and Synchrony Financial (SYF) both fall under the Financial Services industry group, but FUTU is classified in Capital Markets while SYF is classified in Consumer Finance.

Synchrony Financial (SYF) trades as ordinary local shares, while Futu (FUTU) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Synchrony Financial (SYF) has an aggressive beta of 1.40, indicating higher sensitivity to broad-market moves, while Futu (FUTU) is defensive at 0.68 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Futu (FUTU) at 30.52% sits in the top ROE quartile, while Synchrony Financial (SYF) at 19.83% is closer to the peer norm — stronger capital efficiency for FUTU.

For every dollar of sales, both Futu (FUTU) at 46.20% and Synchrony Financial (SYF) at 34.07% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

Futu (FUTU) at 66.75% operates in the top operating margin quartile, ahead of Synchrony Financial (SYF) at 49.84%, which runs around its industry’s norm.

Profitability Metrics

Growth

Futu (FUTU) at 68.11% delivers above-range revenue growth, while Synchrony Financial (SYF) at -0.50% falls into the bottom quartile — a wide split in revenue momentum.

Futu (FUTU) at 106.38% 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 FUTU.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Futu (FUTU) 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-to-equity ratio is set aside for both: Futu (FUTU) 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

Dividends

Futu (FUTU) 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.

Both Futu (FUTU) at 25.80% 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.

Dividend Metrics

Valuation

Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while Futu (FUTU) at 9.73 is closer to its industry’s usual earnings multiple — a discount for SYF, though growth and earnings durability still matter.

Futu (FUTU) at 0.57 sits in the cheaper P/S ratio quartile while Synchrony Financial (SYF) at 2.45 prices around its industry’s middle — FUTU costs less per dollar of sales, though read it alongside growth and margins.

On P/B ratio, both Futu (FUTU) at 2.75 and Synchrony Financial (SYF) at 1.55 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics