SYF PEER ANALYSIS

Synchrony Financial — metric-by-metric comparison with peers and the industry median

SYFSynchrony Financial

🇺🇸 USA · US · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

SYFIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	SYF	DSTKF	KTLEV	ZIP	QNBFK	GSY	Ind. Median
P/E	7.46●	—	113.12	38.55	157.13	—	16.27
P/B	1.60	93.93	24.04	6.34	12.49	0.98●	2.03
EV/EBITDA	4.38●	—	—	34.52	—	6.37	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	SYF	DSTKF	KTLEV	ZIP	QNBFK	GSY	Ind. Median
Current Ratio	1.33	—	—	788.09●	—	—	1.20
Debt/Equity	99.7%	0.0%●	0.0%●	383.4%	0.0%●	599.1%	116.1%
NetDebt/EBITDA	-0.81●	—	—	11.13	—	5.42	2.39

Profitability
Metric	SYF	DSTKF	KTLEV	ZIP	QNBFK	GSY	Ind. Median
Net Margin	18.1%●	—	—	8.9%	—	-15.8%	10.0%
ROE	21.8%	10.6%	32.2%●	15.9%	8.9%	-27.7%	13.4%
ROA	3.0%●	—	—	2.9%	—	-4.9%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	SYF	DSTKF	KTLEV	ZIP	QNBFK	GSY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	21.5%	—	—	—	—	—	19.9%
Div. Yield	1.6%	—	—	—	—	9.4%●	1.2%
Payout	14.4%	—	—	—	—	-33.6%	16.3%

Valuation
Metric	SYF	SOFI	AFRM	PYPL	ALLY	FCFS	Ind. Median
P/E	7.46●	43.57	76.99	8.27	10.80	27.71	16.27
P/B	1.60	2.32	7.78	2.09	0.91●	4.27	2.03
EV/EBITDA	4.38	23.09	31.69	5.61	2.14●	11.84	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	SYF	SOFI	AFRM	PYPL	ALLY	FCFS	Ind. Median
Current Ratio	1.33	0.17	717.01●	1.26	0.20	4.77	1.20
Debt/Equity	99.7%	17.7%●	235.6%	47.0%	138.4%	113.6%	116.1%
NetDebt/EBITDA	-0.81	-5.08●	5.32	0.01	-2.37	2.39	2.39

Profitability
Metric	SYF	SOFI	AFRM	PYPL	ALLY	FCFS	Ind. Median
Net Margin	18.1%●	11.2%	9.6%	15.0%	8.9%	9.1%	10.0%
ROE	21.8%	6.6%	11.5%	25.1%●	9.4%	16.3%	13.4%
ROA	3.0%	1.3%	3.2%	6.3%	0.7%	7.2%●	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	SYF	SOFI	AFRM	PYPL	ALLY	FCFS	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	21.5%	19.8%	—	11.3%	161.4%●	26.1%	19.9%
Div. Yield	1.6%	0.0%	—	1.0%	2.6%●	0.8%	1.2%
Payout	14.4%	0.0%	—	5.1%	35.2%	20.4%	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.