SYF vs. TOST: Synchrony Financial vs. Toast Stock Comparison
How do Synchrony Financial (SYF) and Toast (TOST) 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
Synchrony Financial (SYF) and Toast (TOST) both fall under the Financial Services industry group, but SYF is classified in Consumer Finance while TOST is classified in Financial Services.
| Profile Item | SYF | TOST |
|---|---|---|
| Name | Synchrony Financial | Toast, Inc. Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Financial Services |
| GICS Sub-Industry | Consumer Finance | Transaction & Payment Processing Services |
| Market Capitalization | 23.99 billion USD | 20.14 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 31, 2014 | September 22, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SYF | TOST |
|---|---|---|
| Total Return (1Y) | 2.84% | -5.92% |
| Total Return (3Y, Annualized) | 39.02% | 35.73% |
| Total Return (5Y, Annualized) | 10.89% | -10.54% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SYF | TOST |
|---|---|---|
| Volatility (1Y, Annualized) | 31.32% | 45.32% |
| Beta (5Y) | 1.40 | 1.66 |
| Max Drawdown (5Y) | -44.60% | -79.13% |
| Avg. Volume (3M) | 3.37M | 8.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SYF | TOST |
|---|---|---|
| Sharpe Ratio (1Y) | -0.05 | -0.23 |
| Sortino Ratio (1Y) | -0.06 | -0.31 |
Profitability
ROE (TTM)
Toast (TOST) at 25.58% sits in the top ROE quartile, while Synchrony Financial (SYF) at 19.83% is closer to the peer norm — stronger capital efficiency for TOST.
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%
TOST
Financial Services industry group
25.58%
- Max
- 44.78%
- TOST
- 25.58%
- Q3
- 21.85%
- 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 Toast (TOST) at 7.69%, which keeps about the industry-typical share.
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%
TOST
Financial Services industry group
7.69%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- TOST
- 7.69%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Synchrony Financial (SYF) at 49.84% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.
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%
TOST
Financial Services industry group
8.63%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- TOST
- 8.63%
- Min
- -44.34%
Profitability Metrics
| Metric | SYF | TOST |
|---|---|---|
| ROE (TTM) | 19.83% | 25.58% |
| ROA (TTM) | 2.78% | 10.30% |
| Net Margin (TTM) | 34.07% | 7.69% |
| Operating Margin (TTM) | 49.84% | 8.63% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Toast (TOST) at 24.05% 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
Toast (TOST) at 1,766.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Synchrony Financial (SYF) at 8.54%, which is closer to a typical peer reading.
Growth Metrics
| Metric | SYF | TOST |
|---|---|---|
| Revenue Growth (YoY) | -0.50% | 24.05% |
| Revenue Growth (3Y CAGR) | 8.67% | 31.10% |
| EPS Growth (YoY) | 8.54% | 1,766.67% |
| EPS Growth (3Y CAGR) | 14.70% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Synchrony Financial (SYF) in Financial Services and Toast (TOST) 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: Synchrony Financial (SYF) in Financial Services and Toast (TOST) 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 | SYF | TOST |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Toast (TOST) 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.
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%
TOST
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Toast (TOST) 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.
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%
TOST
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SYF | TOST |
|---|---|---|
| Dividend Yield (TTM) | 1.67% | 0.00% |
| Dividend Payout Ratio (TTM) | 12.94% | 0.00% |
Valuation
P/E Ratio (TTM)
Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while Toast (TOST) at 38.10 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
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
TOST
Financial Services industry group
38.10
- Max
- 45.85
- TOST
- 38.10
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Synchrony Financial (SYF) at 2.45 and Toast (TOST) at 2.82 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
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
TOST
Financial Services industry group
2.82
- Max
- 9.23
- Q3
- 4.57
- TOST
- 2.82
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Synchrony Financial (SYF) at 1.55 sits near its industry’s typical P/B ratio, while Toast (TOST) at 8.79 prices above its benchmark range — TOST looks rich relative to book.
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
TOST
Financial Services industry group
8.79
- TOST
- 8.79
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | SYF | TOST |
|---|---|---|
| P/E Ratio (TTM) | 7.70 | 38.10 |
| P/S Ratio (TTM) | 2.45 | 2.82 |
| P/B Ratio (MRQ) | 1.55 | 8.79 |
| Free Cash Flow Yield (TTM) | -- | -- |