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

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

Company Profile

SymbolSYFUSB
Company NameSynchrony FinancialU.S. Bancorp
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceBanks
Market Capitalization26.56 billion USD74.26 billion USD
ExchangeNYSENYSE
Listing DateJuly 31, 2014May 3, 1973
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of SYF and USB 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.

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

Historical Performance at a Glance

SymbolSYFUSB
5-Day Price Return0.46%-1.26%
13-Week Price Return2.41%-0.13%
26-Week Price Return34.02%14.24%
52-Week Price Return44.03%8.50%
Month-to-Date Return0.46%-1.26%
Year-to-Date Return9.82%-0.23%
10-Day Avg. Volume3.03M8.73M
3-Month Avg. Volume3.31M10.21M
3-Month Volatility23.47%18.98%
Beta1.481.14

Profitability

Return on Equity (TTM)

SYF

19.89%

Consumer Finance Industry

Max
32.87%
Q3
21.72%
Median
12.80%
Q1
9.07%
Min
-3.88%

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.

USB

11.55%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

USB’s Return on Equity of 11.55% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

SYF

14.06%

Consumer Finance Industry

Max
19.68%
Q3
17.11%
Median
13.55%
Q1
9.71%
Min
-0.75%

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.

USB

20.01%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

Falling into the lower quartile for the Banks industry, USB’s Net Profit Margin of 20.01% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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

Operating Profit Margin (TTM)

SYF

18.39%

Consumer Finance Industry

Max
50.11%
Q3
32.02%
Median
19.92%
Q1
14.90%
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.

USB

25.22%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

USB’s Operating Profit Margin of 25.22% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

SymbolSYFUSB
Return on Equity (TTM)19.89%11.55%
Return on Assets (TTM)2.73%1.01%
Net Profit Margin (TTM)14.06%20.01%
Operating Profit Margin (TTM)18.39%25.22%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

SYF

--

Consumer Finance Industry

Max
7.85
Q3
4.26
Median
2.28
Q1
0.82
Min
0.07

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

USB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

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

Debt-to-Equity Ratio (MRQ)

SYF

0.94

Consumer Finance Industry

Max
6.63
Q3
3.60
Median
2.40
Q1
0.99
Min
0.23

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

USB

1.29

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
Min
0.00

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

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

Interest Coverage Ratio (TTM)

SYF

--

Consumer Finance Industry

Max
49.63
Q3
28.11
Median
4.75
Q1
2.86
Min
-15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

USB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

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

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

Financial Strength at a Glance

SymbolSYFUSB
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)0.941.29
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

SYF vs. USB: 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

SYF vs. USB: 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)

SYF

1.85%

Consumer Finance Industry

Max
7.21%
Q3
3.38%
Median
2.39%
Q1
0.67%
Min
0.00%

SYF’s Dividend Yield of 1.85% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

USB

4.61%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

USB’s Dividend Yield of 4.61% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

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

Dividend Payout Ratio (TTM)

SYF

14.94%

Consumer Finance Industry

Max
145.89%
Q3
88.89%
Median
25.97%
Q1
9.25%
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.

USB

50.28%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

USB’s Dividend Payout Ratio of 50.28% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

SymbolSYFUSB
Dividend Yield (TTM)1.85%4.61%
Dividend Payout Ratio (TTM)14.94%50.28%

Valuation

Price-to-Earnings Ratio (TTM)

SYF

8.06

Consumer Finance Industry

Max
35.93
Q3
20.63
Median
12.65
Q1
9.73
Min
3.96

In the lower quartile for the Consumer Finance industry, SYF’s P/E Ratio of 8.06 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

USB

10.92

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

USB’s P/E Ratio of 10.92 is within the middle range for the Banks 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 vs. USB: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

SYF

0.73

Consumer Finance Industry

Max
3.79
Q3
2.71
Median
1.91
Q1
1.14
Min
0.61

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.

USB

2.10

Banks Industry

Max
4.90
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

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

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

Price-to-Book Ratio (MRQ)

SYF

1.50

Consumer Finance Industry

Max
3.80
Q3
2.83
Median
2.02
Q1
1.18
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.

USB

1.15

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

USB’s P/B Ratio of 1.15 is within the conventional range for the Banks 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 vs. USB: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Banks industry benchmarks.

Valuation at a Glance

SymbolSYFUSB
Price-to-Earnings Ratio (TTM)8.0610.92
Price-to-Sales Ratio (TTM)0.732.10
Price-to-Book Ratio (MRQ)1.501.15
Price-to-Free Cash Flow Ratio (TTM)2.689.70