SYF vs. UBS: Synchrony Financial vs. UBS Stock Comparison
How do Synchrony Financial (SYF) and UBS (UBS) 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 UBS (UBS) both fall under the Financial Services industry group, but SYF is classified in Consumer Finance while UBS is classified in Capital Markets.
| Profile Item | SYF | UBS |
|---|---|---|
| Name | Synchrony Financial | UBS Group AG |
| Country/Region | United States | Switzerland |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Capital Markets |
| GICS Sub-Industry | Consumer Finance | Diversified Capital Markets |
| Market Capitalization | 23.99 billion USD | 144.79 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 31, 2014 | May 16, 2000 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SYF | UBS |
|---|---|---|
| Total Return (1Y) | 2.84% | 30.78% |
| Total Return (3Y, Annualized) | 39.02% | 29.39% |
| Total Return (5Y, Annualized) | 10.89% | 25.00% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SYF | UBS |
|---|---|---|
| Volatility (1Y, Annualized) | 31.32% | 27.78% |
| Beta (5Y) | 1.40 | 1.15 |
| Max Drawdown (5Y) | -44.60% | -32.48% |
| Avg. Volume (3M) | 3.37M | 1.93M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SYF | UBS |
|---|---|---|
| Sharpe Ratio (1Y) | -0.05 | 0.95 |
| Sortino Ratio (1Y) | -0.06 | 1.44 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: Synchrony Financial (SYF) earns 19.83% on shareholders’ equity, ranked against its industry; UBS (UBS) has no ROE this period.
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%
UBS
Financial Services industry group
--
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
- UBS
- --
Net Margin (TTM)
Synchrony Financial (SYF) at 34.07% retains a top-quartile share of revenue as profit, ahead of UBS (UBS) at 18.18%, 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%
UBS
Financial Services industry group
18.18%
- Max
- 62.84%
- Q3
- 28.05%
- UBS
- 18.18%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Synchrony Financial (SYF) at 49.84% and UBS (UBS) at 27.10% 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%
UBS
Financial Services industry group
27.10%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- UBS
- 27.10%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | SYF | UBS |
|---|---|---|
| ROE (TTM) | 19.83% | -- |
| ROA (TTM) | 2.78% | -- |
| Net Margin (TTM) | 34.07% | 18.18% |
| Operating Margin (TTM) | 49.84% | 27.10% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
UBS (UBS) at 4.30% 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
UBS (UBS) at 55.26% 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 UBS.
Growth Metrics
| Metric | SYF | UBS |
|---|---|---|
| Revenue Growth (YoY) | -0.50% | 4.30% |
| Revenue Growth (3Y CAGR) | 8.67% | 12.44% |
| EPS Growth (YoY) | 8.54% | 55.26% |
| EPS Growth (3Y CAGR) | 14.70% | 1.60% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Synchrony Financial (SYF) in Financial Services and UBS (UBS) 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 UBS (UBS) 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 | UBS |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
UBS (UBS) 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%
UBS
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- UBS
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Synchrony Financial (SYF) at 12.94% and UBS (UBS) at 36.30% 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%
UBS
Financial Services industry group
36.30%
- Max
- 241.07%
- Q3
- 97.36%
- UBS
- 36.30%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SYF | UBS |
|---|---|---|
| Dividend Yield (TTM) | 1.67% | 0.00% |
| Dividend Payout Ratio (TTM) | 12.94% | 36.30% |
Valuation
P/E Ratio (TTM)
Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while UBS (UBS) at 15.77 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
UBS
Financial Services industry group
15.77
- Max
- 45.85
- Q3
- 24.64
- UBS
- 15.77
- 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 UBS (UBS) at 2.71 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
UBS
Financial Services industry group
2.71
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- UBS
- 2.71
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Synchrony Financial (SYF) at 1.55 and UBS (UBS) at 1.64 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
UBS
Financial Services industry group
1.64
- Max
- 7.79
- Q3
- 3.63
- UBS
- 1.64
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | SYF | UBS |
|---|---|---|
| P/E Ratio (TTM) | 7.70 | 15.77 |
| P/S Ratio (TTM) | 2.45 | 2.71 |
| P/B Ratio (MRQ) | 1.55 | 1.64 |
| Free Cash Flow Yield (TTM) | -- | -- |