SYF vs. WSE: Synchrony Financial vs. Wise Stock Comparison

Company Profile

Synchrony Financial (SYF) and Wise (WSE) both fall under the Financial Services industry group, but SYF is classified in Consumer Finance while WSE is classified in Financial Services.

Synchrony Financial (SYF) has been public since July 31, 2014 with a meaningfully longer listed history, while Wise (WSE) only listed on May 11, 2026 — long-window metrics on the WSE side should be interpreted with caution.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Both SYF and WSE need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Wise (WSE) at 27.23% sits in the top ROE quartile, while Synchrony Financial (SYF) at 19.83% is closer to the peer norm — stronger capital efficiency for WSE.

Synchrony Financial (SYF) at 34.07% retains a top-quartile share of revenue as profit, ahead of Wise (WSE) at 19.93%, which keeps about the industry-typical share.

Wise (WSE) at 59.77% operates in the top operating margin quartile, ahead of Synchrony Financial (SYF) at 49.84%, which runs around its industry’s norm.

Profitability Metrics

Growth

Wise (WSE) at 17.14% 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.

Both Synchrony Financial (SYF) at 8.54% and Wise (WSE) at -5.78% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Synchrony Financial (SYF) in Financial Services and Wise (WSE) 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-to-equity ratio is set aside for both: Synchrony Financial (SYF) in Financial Services and Wise (WSE) 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

Dividends

Wise (WSE) 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.

Wise (WSE) 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.

Dividend Metrics

Valuation

Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while Wise (WSE) at 23.23 is closer to its industry’s usual earnings multiple — a discount for SYF, though growth and earnings durability still matter.

On P/S ratio, both Synchrony Financial (SYF) at 2.45 and Wise (WSE) at 4.30 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Synchrony Financial (SYF) at 1.55 is valued about in line with its industry on P/B ratio, while Wise (WSE) at 5.94 carries an above-peer premium to book — WSE is pricier on assets.

Valuation Metrics