PayPal Holdings [PYPL] vs Synchrony Financial [SYF] Detailed Stock Comparison

PayPal Holdings Inc.

NASDAQ
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Synchrony Financial

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: PayPal Holdings Inc. wins in 8 metrics, Synchrony Financial wins in 11 metrics, with 0 ties. Synchrony Financial appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric PayPal Holdings Inc. Synchrony Financial Better
P/E Ratio (TTM) 9.27 7.93 Synchrony Financial
Price-to-Book Ratio 2.28 1.74 Synchrony Financial
Debt-to-Equity Ratio 60.70 0.98 Synchrony Financial
PEG Ratio 0.25 0.40 PayPal Holdings Inc.
EV/EBITDA 7.17 N/A N/A
Profit Margin (TTM) 15.78% 36.39% Synchrony Financial
Operating Margin (TTM) 17.49% 44.31% Synchrony Financial
EBITDA Margin (TTM) 17.49% 44.31% Synchrony Financial
Return on Equity 25.73% 21.78% PayPal Holdings Inc.
Return on Assets (TTM) 4.88% 2.96% PayPal Holdings Inc.
Free Cash Flow (TTM) $5.56B $9.85B Synchrony Financial
Dividend Yield 0.68% 1.60% Synchrony Financial
1-Year Return -41.37% 22.59% Synchrony Financial
Price-to-Sales Ratio (TTM) 1.36 2.69 PayPal Holdings Inc.
Enterprise Value $47.68B $22.90B PayPal Holdings Inc.
EV/Revenue Ratio 1.44 2.32 PayPal Holdings Inc.
Gross Profit Margin (TTM) 46.50% N/A N/A
Revenue per Share (TTM) $35 $28 PayPal Holdings Inc.
Earnings per Share (Diluted) $5.41 $9.66 Synchrony Financial
Beta (Stock Volatility) 1.41 1.38 Synchrony Financial
Short % of Float 5.69% 6.09% PayPal Holdings Inc.

PayPal Holdings Inc. vs Synchrony Financial Stock Performance Analysis

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PYPL
SYF

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
PayPal Holdings Inc.2.31%2.98%-4.32%-6.45%-30.05%-26.92%
Synchrony Financial1.70%5.75%4.53%16.54%-10.34%-11.86%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
PayPal Holdings Inc.-41.37%-37.48%-85.34%12.33%19.72%19.72%
Synchrony Financial22.59%122.98%58.99%184.67%218.96%218.96%

Performance & Financial Health Analysis: PayPal Holdings Inc. vs Synchrony Financial

MetricPYPLSYF
Market Information
Market Cap i$45.42B$26.52B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i11,850,8813,882,437
90 Day Avg. Volume i15,069,0503,772,739
Last Close$42.49$74.61
52 Week Range$38.46 - $79.50$60.01 - $88.77
% from 52W High-46.55%-15.95%
All-Time High$310.16 (Jul 26, 2021)$88.77 (Jan 09, 2026)
% from All-Time High-86.30%-15.95%
Growth Metrics
Quarterly Revenue Growth0.04%0.06%
Quarterly Earnings Growth0.28%0.06%
Financial Health
Profit Margin (TTM) i0.16%0.36%
Operating Margin (TTM) i0.17%0.44%
Return on Equity (TTM) i0.26%0.22%
Debt to Equity (MRQ) i60.700.98
Cash & Liquidity
Book Value per Share (MRQ)$22.02$43.91
Cash per Share (MRQ)$11.32$61.04
Operating Cash Flow (TTM) i$6.42B$4.31B
Levered Free Cash Flow (TTM) i$3.27B$3.47B
Dividends
Last 12-Month Dividend Yield i0.68%1.60%
Last 12-Month Dividend i$0.28$1.20

Valuation & Enterprise Metrics Analysis: PayPal Holdings Inc. vs Synchrony Financial

MetricPYPL (Apr 26, 2026)SYF (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i9.277.93
Forward P/E i8.657.33
PEG Ratio i0.250.40
Price to Sales (TTM) i1.362.69
Price to Book (MRQ) i2.281.74
Market Capitalization
Market Capitalization i$45.42B$26.52B
Enterprise Value i$47.68B$22.90B
Enterprise Value Metrics
Enterprise to Revenue i1.442.32
Enterprise to EBITDA i7.17N/A
Risk & Other Metrics
Beta i1.411.38
Book Value per Share (MRQ) i$22.02$43.91

Financial Statements Comparison: PayPal Holdings Inc. vs Synchrony Financial

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPYPL (2025)SYF (2025)
Revenue/Sales i33.17B14.98B
Cost of Goods Sold i17.71BN/A
COGS % of Revenue i53.4%0.0%
Gross Profit i15.47BN/A
Gross Margin i46.6%0.0%
Research & Development i3.10BN/A
Operating Income (EBIT) i6.40BN/A
Operating Margin i19.3%0.0%
EBITDA i7.87BN/A
EBITDA Margin i23.7%0.0%
Pre-Tax Income i6.29B4.62B
Pre-Tax Income % of Revenue i19.0%30.8%
Income Tax i1.06B1.07B
Income Tax % of Revenue i3.2%7.1%
Net Income (Profit) i5.23B3.55B
Profit Margin i15.8%23.7%

Balance Sheet & Liquidity Metrics

MetricPYPL (2025)SYF (2025)
Cash & Equivalents i8.05B14.97B
Total Current Assets i59.76BN/A
Total Current Assets % of Revenue i180.1%0.0%
Total Current Liabilities i46.44BN/A
Total Current Liabilities % of Revenue i140.0%0.0%
Long-Term Debt i9.99B15.18B
Long-Term Debt % of Revenue i30.1%101.3%
Total Shareholders Equity i20.26B16.77B
Retained Earnings i32.47B24.60B
Retained Earnings % of Revenue i97.9%164.2%
Property, Plant & Equipment i0N/A

Cash Flow Statement Comparison

MetricPYPL (2025)SYF (2025)
Operating Cash Flow i6.66B4.31B
Operating Cash Flow % of Revenue i20.1%28.8%
Capital Expenditures i-849.00MN/A
Free Cash Flow i5.56B9.85B
FCF Margin i16.8%65.8%
Debt Repayment i-5.10B-4.33B
Common Stock Repurchase i-6.05B-2.94B

Short Interest & Institutional Ownership Analysis

MetricPYPLSYF
Shares Short i45.98M14.50M
Short Ratio i2.553.66
Short % of Float i5.69%6.09%
Shares Outstanding i920.00M336.80M
Float Shares i918.58M334.61M
% Held by Insiders i0.66%0.44%
% Held by Institutions i84.06%110.93%
% Held by Public i15.28%-11.37%

Dividend Analysis & Yield Comparison: PayPal Holdings Inc. vs Synchrony Financial

MetricPYPLSYF
Last 12-Month Dividend i$0.28$1.20
Last 12-Month Dividend Yield i0.68%1.60%
3-Year Avg Annual Dividend i$0.09$1.06
3-Year Avg Dividend Yield i0.29%0.56%
3-Year Total Dividends i$0.28$3.18
Ex-Dividend DateMar 04, 2026Feb 06, 2026