SYF vs. XYZ: Synchrony Financial vs. Block Stock Comparison

November 11, 2026

How do Synchrony Financial (SYF) and Block (XYZ) 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 Block (XYZ) both fall under the Financial Services industry group, but SYF is classified in Consumer Finance while XYZ is classified in Financial Services.

Company profile comparison for Synchrony Financial (SYF) and Block (XYZ)
Profile Item	SYF	XYZ
Name	Synchrony Financial	Block Inc. Class A Common Stock
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	51.67 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	July 31, 2014	November 19, 2015
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

SYF

XYZ

GSPC

Synchrony Financial (SYF) vs. Block (XYZ), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Synchrony Financial (SYF) and Block (XYZ). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Synchrony Financial (SYF) and Block (XYZ). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Synchrony Financial (SYF) and Block (XYZ)
Metric	SYF	XYZ
Total Return (1Y)	2.84%	35.34%
Total Return (3Y, Annualized)	39.02%	20.17%
Total Return (5Y, Annualized)	10.89%	-17.43%

Risk Profile

Drawdown History

SYF

XYZ

GSPC

Synchrony Financial (SYF) vs. Block (XYZ), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Synchrony Financial (SYF) and Block (XYZ). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Synchrony Financial (SYF) and Block (XYZ)
Metric	SYF	XYZ
Volatility (1Y, Annualized)	31.32%	48.01%
Beta (5Y)	1.40	2.48
Max Drawdown (5Y)	-44.60%	-83.55%
Avg. Volume (3M)	3.37M	4.73M

Risk-Adjusted Performance

Risk-Return Positioning

SYF and XYZ are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Synchrony Financial (SYF) and Block (XYZ)
Metric	SYF	XYZ
Sharpe Ratio (1Y)	-0.05	0.65
Sortino Ratio (1Y)	-0.06	1.03

Profitability

ROE (TTM)

Synchrony Financial (SYF) at 19.83% is around its peer norm for ROE, while Block (XYZ) at 2.02% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

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%

XYZ

Financial Services industry group

2.02%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
XYZ: 2.02%
Min: -18.71%

Synchrony Financial (SYF) vs. Block (XYZ): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Synchrony Financial (SYF) at 34.07% keeps a top-quartile share of each sales dollar as profit, while Block (XYZ) at 1.80% keeps a bottom-quartile 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%

XYZ

Financial Services industry group

1.80%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
XYZ: 1.80%
Min: -28.52%

Synchrony Financial (SYF) vs. Block (XYZ): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Synchrony Financial (SYF) at 49.84% runs core operations around its industry’s norm, while Block (XYZ) at 6.65% operates in the bottom quartile.

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%

XYZ

Financial Services industry group

6.65%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
XYZ: 6.65%
Min: -44.34%

Synchrony Financial (SYF) vs. Block (XYZ): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Synchrony Financial (SYF) and Block (XYZ)
Metric	SYF	XYZ
ROE (TTM)	19.83%	2.02%
ROA (TTM)	2.78%	1.94%
Net Margin (TTM)	34.07%	1.80%
Operating Margin (TTM)	49.84%	6.65%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both Synchrony Financial (SYF) at -0.50% and Block (XYZ) at 0.30% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Synchrony Financial (SYF) vs. Block (XYZ): A comparison of their Revenue Growth across different time periods.

EPS Growth

Synchrony Financial (SYF) at 8.54% is around its peer norm for EPS growth, while Block (XYZ) at -53.95% drops into the bottom quartile, signaling weaker earnings momentum.

Synchrony Financial (SYF) vs. Block (XYZ): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Synchrony Financial (SYF) and Block (XYZ)
Metric	SYF	XYZ
Revenue Growth (YoY)	-0.50%	0.30%
Revenue Growth (3Y CAGR)	8.67%	11.33%
EPS Growth (YoY)	8.54%	-53.95%
EPS Growth (3Y CAGR)	14.70%	--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Synchrony Financial (SYF) in Financial Services and Block (XYZ) 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 Block (XYZ) 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

Financial strength metrics for Synchrony Financial (SYF) and Block (XYZ)
Metric	SYF	XYZ
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Block (XYZ) 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%

XYZ

Financial Services industry group

0.00%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
XYZ: 0.00%
Q1: 0.00%
Min: 0.00%

Synchrony Financial (SYF) vs. Block (XYZ): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Block (XYZ) 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.

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%

XYZ

Financial Services industry group

0.00%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
XYZ: 0.00%
Q1: 0.00%
Min: 0.00%

Synchrony Financial (SYF) vs. Block (XYZ): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Synchrony Financial (SYF) and Block (XYZ)
Metric	SYF	XYZ
Dividend Yield (TTM)	1.67%	0.00%
Dividend Payout Ratio (TTM)	12.94%	0.00%

Valuation

P/E Ratio (TTM)

Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while Block (XYZ) at 112.47 trades above its peer range — a wide earnings-valuation gap relative to industry peers.

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

XYZ

Financial Services industry group

112.47

XYZ: 112.47
Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

Synchrony Financial (SYF) vs. Block (XYZ): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Synchrony Financial (SYF) at 2.45 and Block (XYZ) at 2.01 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

XYZ

Financial Services industry group

2.01

Max: 9.23
Q3: 4.57
Median: 2.72
XYZ: 2.01
Q1: 1.28
Min: -0.55

Synchrony Financial (SYF) vs. Block (XYZ): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Synchrony Financial (SYF) at 1.55 and Block (XYZ) at 2.26 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

XYZ

Financial Services industry group

2.26

Max: 7.79
Q3: 3.63
XYZ: 2.26
Median: 1.57
Q1: 0.81
Min: -0.39

Synchrony Financial (SYF) vs. Block (XYZ): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Synchrony Financial (SYF) and Block (XYZ)
Metric	SYF	XYZ
P/E Ratio (TTM)	7.70	112.47
P/S Ratio (TTM)	2.45	2.01
P/B Ratio (MRQ)	1.55	2.26
Free Cash Flow Yield (TTM)	--	--