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

Updated on August 25, 2025

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

Company Profile

IX trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, SYF is a standard domestic listing.

Symbol	IX	SYF
Company Name	ORIX Corporation	Synchrony Financial
Country	Japan	United States
GICS Sector	Financials	Financials
GICS Industry	Financial Services	Consumer Finance
Market Capitalization	29.27 billion USD	26.63 billion USD
Exchange	NYSE	NYSE
Listing Date	September 16, 1998	July 31, 2014
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of IX 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.

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

Historical Performance at a Glance

Symbol	IX	SYF
5-Day Price Return	0.00%	-1.72%
13-Week Price Return	29.32%	19.20%
26-Week Price Return	21.34%	11.70%
52-Week Price Return	24.42%	50.28%
Month-to-Date Return	12.53%	2.74%
Year-to-Date Return	12.27%	10.12%
10-Day Avg. Volume	3.46M	2.96M
3-Month Avg. Volume	3.36M	3.65M
3-Month Volatility	18.09%	26.80%
Beta	1.06	1.54

Profitability

Return on Equity (TTM)

IX

8.71%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

IX’s Return on Equity of 8.71% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

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.

IX vs. SYF: A comparison of their Return on Equity (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

IX

12.23%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

IX’s Net Profit Margin of 12.23% is aligned with the median group of its peers in the Financial Services 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.

IX vs. SYF: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

IX

11.67%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

IX’s Operating Profit Margin of 11.67% is around the midpoint for the Financial Services 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.

IX vs. SYF: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Profitability at a Glance

Symbol	IX	SYF
Return on Equity (TTM)	8.71%	19.89%
Return on Assets (TTM)	2.11%	2.73%
Net Profit Margin (TTM)	12.23%	14.06%
Operating Profit Margin (TTM)	11.67%	18.39%
Gross Profit Margin (TTM)	42.41%	--

Financial Strength

Current Ratio (MRQ)

IX

0.50

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services 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.

IX vs. SYF: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

IX

1.54

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

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

IX vs. SYF: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

IX

1.24

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

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

IX vs. SYF: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Financial Strength at a Glance

Symbol	IX	SYF
Current Ratio (MRQ)	0.50	--
Quick Ratio (MRQ)	0.44	--
Debt-to-Equity Ratio (MRQ)	1.54	0.94
Interest Coverage Ratio (TTM)	1.24	--

Growth

Revenue Growth

IX 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

IX 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)

IX

3.27%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

IX’s Dividend Yield of 3.27% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

SYF

1.84%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
Min: 0.00%

SYF’s Dividend Yield of 1.84% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

IX vs. SYF: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

IX

77.01%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

IX’s Dividend Payout Ratio of 77.01% is in the upper quartile for the Financial Services industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

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.

IX vs. SYF: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Dividend at a Glance

Symbol	IX	SYF
Dividend Yield (TTM)	3.27%	1.84%
Dividend Payout Ratio (TTM)	77.01%	14.94%

Valuation

Price-to-Earnings Ratio (TTM)

IX

11.80

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

IX’s P/E Ratio of 11.80 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

SYF

8.10

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 8.10 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

IX vs. SYF: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

IX

1.44

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

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.

IX vs. SYF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

IX

0.88

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

IX’s P/B Ratio of 0.88 is within the conventional range for the Financial Services 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.

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.

IX vs. SYF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Consumer Finance industry benchmarks.

Valuation at a Glance

Symbol	IX	SYF
Price-to-Earnings Ratio (TTM)	11.80	8.10
Price-to-Sales Ratio (TTM)	1.44	0.73
Price-to-Book Ratio (MRQ)	0.88	1.50
Price-to-Free Cash Flow Ratio (TTM)	109.19	2.70