SYF vs. V: Synchrony Financial vs. Visa Stock Comparison
How do Synchrony Financial (SYF) and Visa (V) 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 Visa (V) both fall under the Financial Services industry group, but SYF is classified in Consumer Finance while V is classified in Financial Services.
| Profile Item | SYF | V |
|---|---|---|
| Name | Synchrony Financial | Visa Inc. Class A |
| 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 | 788.58 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 31, 2014 | March 19, 2008 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SYF | V |
|---|---|---|
| Total Return (1Y) | 2.84% | 27.50% |
| Total Return (3Y, Annualized) | 39.02% | 21.55% |
| Total Return (5Y, Annualized) | 10.89% | 15.65% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SYF | V |
|---|---|---|
| Volatility (1Y, Annualized) | 31.32% | 22.99% |
| Beta (5Y) | 1.40 | 0.78 |
| Max Drawdown (5Y) | -44.60% | -24.14% |
| Avg. Volume (3M) | 3.37M | 6.56M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SYF | V |
|---|---|---|
| Sharpe Ratio (1Y) | -0.05 | 1.01 |
| Sortino Ratio (1Y) | -0.06 | 1.64 |
Profitability
ROE (TTM)
Visa (V) at 63.51% 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.
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%
V
Financial Services industry group
63.51%
- V
- 63.51%
- Max
- 44.78%
- Q3
- 21.85%
- 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 Visa (V) at 51.20% 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%
V
Financial Services industry group
51.20%
- Max
- 62.84%
- V
- 51.20%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Visa (V) at 63.73% operates in the top operating margin quartile, ahead of Synchrony Financial (SYF) at 49.84%, which runs around its industry’s norm.
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%
V
Financial Services industry group
63.73%
- Max
- 107.33%
- V
- 63.73%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | SYF | V |
|---|---|---|
| ROE (TTM) | 19.83% | 63.51% |
| ROA (TTM) | 2.78% | 19.61% |
| Net Margin (TTM) | 34.07% | 51.20% |
| Operating Margin (TTM) | 49.84% | 63.73% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Visa (V) at 14.76% 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 Visa (V) at 20.78% 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 | V |
|---|---|---|
| Revenue Growth (YoY) | -0.50% | 14.76% |
| Revenue Growth (3Y CAGR) | 8.67% | 12.02% |
| EPS Growth (YoY) | 8.54% | 20.78% |
| EPS Growth (3Y CAGR) | 14.70% | 14.16% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Synchrony Financial (SYF) in Financial Services and Visa (V) 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 Visa (V) 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 | V |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Synchrony Financial (SYF) at 1.67% and Visa (V) at 0.66% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
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%
V
Financial Services industry group
0.66%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- V
- 0.66%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Synchrony Financial (SYF) at 12.94% and Visa (V) at 21.75% 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%
V
Financial Services industry group
21.75%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- V
- 21.75%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SYF | V |
|---|---|---|
| Dividend Yield (TTM) | 1.67% | 0.66% |
| Dividend Payout Ratio (TTM) | 12.94% | 21.75% |
Valuation
P/E Ratio (TTM)
Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while Visa (V) at 34.31 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
V
Financial Services industry group
34.31
- Max
- 45.85
- V
- 34.31
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Synchrony Financial (SYF) at 2.45 prices around its industry’s typical P/S ratio, while Visa (V) at 17.18 clears its benchmark range — V looks notably rich on sales.
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
V
Financial Services industry group
17.18
- V
- 17.18
- Max
- 9.23
- Q3
- 4.57
- 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 Visa (V) at 22.05 prices above its benchmark range — V 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
V
Financial Services industry group
22.05
- V
- 22.05
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | SYF | V |
|---|---|---|
| P/E Ratio (TTM) | 7.70 | 34.31 |
| P/S Ratio (TTM) | 2.45 | 17.18 |
| P/B Ratio (MRQ) | 1.55 | 22.05 |
| Free Cash Flow Yield (TTM) | -- | -- |