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

Updated on August 27, 2025

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

Company Profile

Symbol	SYF	XP
Company Name	Synchrony Financial	XP Inc.
Country	United States	Cayman Islands
GICS Sector	Financials	Financials
GICS Industry	Consumer Finance	Capital Markets
Market Capitalization	27.53 billion USD	8.81 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	July 31, 2014	December 11, 2019
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of SYF and XP 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. XP: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	SYF	XP
5-Day Price Return	3.37%	4.50%
13-Week Price Return	28.79%	-10.54%
26-Week Price Return	12.82%	12.74%
52-Week Price Return	56.78%	-13.28%
Month-to-Date Return	6.22%	3.59%
Year-to-Date Return	13.85%	41.10%
10-Day Avg. Volume	2.77M	6.89M
3-Month Avg. Volume	3.58M	6.46M
3-Month Volatility	25.47%	32.50%
Beta	1.54	1.10

Profitability

Return on Equity (TTM)

SYF

19.89%

Consumer Finance Industry

Max: 32.87%
Q3: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

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.

XP

23.24%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

In the upper quartile for the Capital Markets industry, XP’s Return on Equity of 23.24% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

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

Net Profit Margin (TTM)

SYF

14.06%

Consumer Finance Industry

Max: 19.68%
Q3: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

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.

XP

28.02%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

XP’s Net Profit Margin of 28.02% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

SYF

18.39%

Consumer Finance Industry

Max: 50.11%
Q3: 29.38%
Median: 18.31%
Q1: 14.26%
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.

XP

33.11%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

XP’s Operating Profit Margin of 33.11% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

Symbol	SYF	XP
Return on Equity (TTM)	19.89%	23.24%
Return on Assets (TTM)	2.73%	1.42%
Net Profit Margin (TTM)	14.06%	28.02%
Operating Profit Margin (TTM)	18.39%	33.11%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

SYF

Consumer Finance Industry

Max: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

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

XP

0.20

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

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

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

Debt-to-Equity Ratio (MRQ)

SYF

0.94

Consumer Finance Industry

Max: 6.63
Q3: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

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

XP

4.20

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

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

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

Interest Coverage Ratio (TTM)

SYF

Consumer Finance Industry

Max: 49.63
Q3: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

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

XP

7.81

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

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

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

Financial Strength at a Glance

Symbol	SYF	XP
Current Ratio (MRQ)	--	0.20
Quick Ratio (MRQ)	--	0.15
Debt-to-Equity Ratio (MRQ)	0.94	4.20
Interest Coverage Ratio (TTM)	--	7.81

Growth

Revenue Growth

SYF vs. XP: 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. XP: 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

1.84%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
Min: 0.00%

SYF’s Dividend Yield of 1.84% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

XP

7.57%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

With a Dividend Yield of 7.57%, XP offers a more attractive income stream than most of its peers in the Capital Markets industry, signaling a strong commitment to shareholder returns.

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

Dividend Payout Ratio (TTM)

SYF

14.94%

Consumer Finance Industry

Max: 145.89%
Q3: 88.53%
Median: 23.79%
Q1: 0.00%
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.

XP

172.60%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

XP’s Dividend Payout Ratio of 172.60% is in the upper quartile for the Capital Markets industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

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

Dividend at a Glance

Symbol	SYF	XP
Dividend Yield (TTM)	1.84%	7.57%
Dividend Payout Ratio (TTM)	14.94%	172.60%

Valuation

Price-to-Earnings Ratio (TTM)

SYF

8.10

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

In the lower quartile for the Consumer Finance industry, SYF’s P/E Ratio of 8.10 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

XP

9.51

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

In the lower quartile for the Capital Markets industry, XP’s P/E Ratio of 9.51 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

SYF vs. XP: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

SYF

0.73

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

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.

XP

2.66

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

XP’s P/S Ratio of 2.66 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

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

Price-to-Book Ratio (MRQ)

SYF

1.50

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
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.

XP

2.63

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

XP’s P/B Ratio of 2.63 is within the conventional range for the Capital Markets 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. XP: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Capital Markets industry benchmarks.

Valuation at a Glance

Symbol	SYF	XP
Price-to-Earnings Ratio (TTM)	8.10	9.51
Price-to-Sales Ratio (TTM)	0.73	2.66
Price-to-Book Ratio (MRQ)	1.50	2.63
Price-to-Free Cash Flow Ratio (TTM)	2.70	3.61