SYF vs. TROW: Synchrony Financial vs. T. Rowe Price Stock Comparison
How do Synchrony Financial (SYF) and T. Rowe Price (TROW) 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 T. Rowe Price (TROW) both fall under the Financial Services industry group, but SYF is classified in Consumer Finance while TROW is classified in Capital Markets.
| Profile Item | SYF | TROW |
|---|---|---|
| Name | Synchrony Financial | T. Rowe Price Group Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Capital Markets |
| GICS Sub-Industry | Consumer Finance | Asset Management & Custody Banks |
| Market Capitalization | 23.99 billion USD | 23.13 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | July 31, 2014 | April 2, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SYF | TROW |
|---|---|---|
| Total Return (1Y) | 2.84% | 14.59% |
| Total Return (3Y, Annualized) | 39.02% | 11.26% |
| Total Return (5Y, Annualized) | 10.89% | -8.60% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SYF | TROW |
|---|---|---|
| Volatility (1Y, Annualized) | 31.32% | 24.99% |
| Beta (5Y) | 1.40 | 1.39 |
| Max Drawdown (5Y) | -44.60% | -57.57% |
| Avg. Volume (3M) | 3.37M | 1.72M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SYF | TROW |
|---|---|---|
| Sharpe Ratio (1Y) | -0.05 | 0.41 |
| Sortino Ratio (1Y) | -0.06 | 0.58 |
Profitability
ROE (TTM)
Both Synchrony Financial (SYF) at 19.83% and T. Rowe Price (TROW) at 18.20% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
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%
TROW
Financial Services industry group
18.20%
- Max
- 44.78%
- Q3
- 21.85%
- TROW
- 18.20%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
For every dollar of sales, both Synchrony Financial (SYF) at 34.07% and T. Rowe Price (TROW) at 28.40% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
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%
TROW
Financial Services industry group
28.40%
- Max
- 62.84%
- TROW
- 28.40%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Synchrony Financial (SYF) at 49.84% and T. Rowe Price (TROW) at 38.60% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
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%
TROW
Financial Services industry group
38.60%
- Max
- 107.33%
- Q3
- 55.90%
- TROW
- 38.60%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | SYF | TROW |
|---|---|---|
| ROE (TTM) | 19.83% | 18.20% |
| ROA (TTM) | 2.78% | 10.67% |
| Net Margin (TTM) | 34.07% | 28.40% |
| Operating Margin (TTM) | 49.84% | 38.60% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
T. Rowe Price (TROW) at 3.12% 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
Both Synchrony Financial (SYF) at 8.54% and T. Rowe Price (TROW) at 0.98% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | SYF | TROW |
|---|---|---|
| Revenue Growth (YoY) | -0.50% | 3.12% |
| Revenue Growth (3Y CAGR) | 8.67% | 4.08% |
| EPS Growth (YoY) | 8.54% | 0.98% |
| EPS Growth (3Y CAGR) | 14.70% | 11.31% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Synchrony Financial (SYF) in Financial Services and T. Rowe Price (TROW) 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 T. Rowe Price (TROW) 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 | TROW |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
T. Rowe Price (TROW) at 4.76% delivers top-quartile income for its industry, while Synchrony Financial (SYF) at 1.67% pays a more typical yield — both are credible income propositions, TROW the richer one.
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%
TROW
Financial Services industry group
4.76%
- Max
- 9.77%
- TROW
- 4.76%
- Q3
- 3.92%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Synchrony Financial (SYF) at 12.94% and T. Rowe Price (TROW) at 52.33% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
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%
TROW
Financial Services industry group
52.33%
- Max
- 241.07%
- Q3
- 97.36%
- TROW
- 52.33%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SYF | TROW |
|---|---|---|
| Dividend Yield (TTM) | 1.67% | 4.76% |
| Dividend Payout Ratio (TTM) | 12.94% | 52.33% |
Valuation
P/E Ratio (TTM)
Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while T. Rowe Price (TROW) at 10.97 is closer to its industry’s usual earnings multiple — a discount for SYF, though growth and earnings durability still matter.
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
TROW
Financial Services industry group
10.97
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- TROW
- 10.97
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Synchrony Financial (SYF) at 2.45 and T. Rowe Price (TROW) at 3.00 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
TROW
Financial Services industry group
3.00
- Max
- 9.23
- Q3
- 4.57
- TROW
- 3.00
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Synchrony Financial (SYF) at 1.55 and T. Rowe Price (TROW) at 2.03 are valued close to their industries’ norm against book — neither stands out from peers.
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
TROW
Financial Services industry group
2.03
- Max
- 7.79
- Q3
- 3.63
- TROW
- 2.03
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | SYF | TROW |
|---|---|---|
| P/E Ratio (TTM) | 7.70 | 10.97 |
| P/S Ratio (TTM) | 2.45 | 3.00 |
| P/B Ratio (MRQ) | 1.55 | 2.03 |
| Free Cash Flow Yield (TTM) | -- | -- |