MCO vs. SYF: Moody's vs. Synchrony Financial Stock Comparison

Company Profile

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

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Moody's (MCO) at 76.74% clears its industry range for ROE, a sharper capital-efficiency signal than Synchrony Financial (SYF) at 19.83%, which is closer to a typical peer reading.

For every dollar of sales, both Moody's (MCO) at 35.26% 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.

Both Moody's (MCO) at 46.27% and Synchrony Financial (SYF) at 49.84% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Moody's (MCO) at 8.89% 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.

Both Moody's (MCO) at 21.40% and Synchrony Financial (SYF) at 8.54% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Moody's (MCO) 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: Moody's (MCO) 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

Both Moody's (MCO) at 0.78% and Synchrony Financial (SYF) at 1.67% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Both Moody's (MCO) at 24.59% 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 Moody's (MCO) at 30.85 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

Synchrony Financial (SYF) at 2.45 prices around its industry’s typical P/S ratio, while Moody's (MCO) at 10.66 clears its benchmark range — MCO looks notably rich on sales.

Synchrony Financial (SYF) at 1.55 sits near its industry’s typical P/B ratio, while Moody's (MCO) at 26.68 prices above its benchmark range — MCO looks rich relative to book.

Valuation Metrics