Synchrony Financial [SYF.PR.B] vs SLM [SLM] Detailed Stock Comparison
Synchrony Financial
NYSE
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SLM
NASDAQ
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Synchrony Financial wins in 11 metrics, SLM wins in 4 metrics, with 0 ties. Synchrony Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Synchrony Financial | SLM | Better |
|---|---|---|---|
| P/E Ratio (TTM) | N/A | 14.72 | N/A |
| Price-to-Book Ratio | 0.61 | 2.98 | Synchrony Financial |
| Debt-to-Equity Ratio | 0.94 | 269.94 | Synchrony Financial |
| PEG Ratio | N/A | -0.21 | N/A |
| Profit Margin (TTM) | 35.79% | 36.64% | SLM |
| Operating Margin (TTM) | 50.22% | 34.38% | Synchrony Financial |
| EBITDA Margin (TTM) | 50.22% | 34.38% | Synchrony Financial |
| Return on Equity | 20.23% | 18.99% | Synchrony Financial |
| Return on Assets (TTM) | 2.73% | 1.51% | Synchrony Financial |
| Free Cash Flow (TTM) | $9.85B | $-329.40M | Synchrony Financial |
| Dividend Yield | 6.20% | 1.92% | Synchrony Financial |
| 1-Year Return | -0.47% | 42.45% | SLM |
| Price-to-Sales Ratio (TTM) | 0.62 | 5.24 | Synchrony Financial |
| Enterprise Value | $7.38B | $8.84B | SLM |
| EV/Revenue Ratio | 0.80 | 7.33 | Synchrony Financial |
| Revenue per Share (TTM) | $24 | $6 | Synchrony Financial |
| Earnings per Share (Diluted) | N/A | $2.06 | N/A |
| Beta (Stock Volatility) | 1.48 | 1.14 | SLM |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Synchrony Financial vs SLM Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Synchrony Financial | -0.47% | -0.50% | 0.16% | 4.14% | 0.16% | -2.21% |
| SLM | 0.59% | -6.52% | -5.75% | -5.95% | 0.52% | 12.76% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Synchrony Financial | -0.47% | 2.85% | 2.85% | 2.85% | 2.85% | 2.85% |
| SLM | 42.45% | 107.82% | 296.40% | 261.12% | 667.16% | 74.53% |
Performance & Financial Health Analysis: Synchrony Financial vs SLM
| Metric | SYF.PR.B | SLM |
|---|---|---|
| Market Information | ||
| Market Cap | $10.00B | $6.32B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 24,799 | 2,007,250 |
| 90 Day Avg. Volume | 38,461 | 2,226,057 |
| Last Close | $25.63 | $30.84 |
| 52 Week Range | $23.30 - $26.71 | $19.64 - $34.97 |
| % from 52W High | -4.04% | -11.81% |
| All-Time High | $26.71 (Nov 11, 2024) | $34.97 (Jul 08, 2025) |
| % from All-Time High | -4.04% | -11.81% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.24% | -0.49% |
| Quarterly Earnings Growth | 0.50% | -0.72% |
| Financial Health | ||
| Profit Margin (TTM) | 0.36% | 0.37% |
| Operating Margin (TTM) | 0.50% | 0.34% |
| Return on Equity (TTM) | 0.20% | 0.19% |
| Debt to Equity (MRQ) | 0.94 | 269.94 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $42.29 | $10.19 |
| Cash per Share (MRQ) | $52.30 | $19.87 |
| Operating Cash Flow (TTM) | $9.88B | $-393,662,016 |
| Levered Free Cash Flow (TTM) | $3.43B | $590.03M |
| Dividends | ||
| Last 12-Month Dividend Yield | 6.20% | 1.92% |
| Last 12-Month Dividend | $1.56 | $0.63 |
Valuation & Enterprise Metrics Analysis: Synchrony Financial vs SLM
| Metric | SYF.PR.B | SLM |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | N/A | 14.72 |
| Forward P/E | N/A | 10.11 |
| PEG Ratio | N/A | -0.21 |
| Price to Sales (TTM) | 0.62 | 5.24 |
| Price to Book (MRQ) | 0.61 | 2.98 |
| Market Capitalization | ||
| Market Capitalization | $10.00B | $6.32B |
| Enterprise Value | $7.38B | $8.84B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 0.80 | 7.33 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.48 | 1.14 |
| Book Value per Share (MRQ) | $42.29 | $10.19 |
Financial Statements Comparison: Synchrony Financial vs SLM
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | SYF.PR.B | SLM |
|---|---|---|
| Revenue/Sales | $3.72B | $403.60M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $984.00M | $87.63M |
| Income Tax | $227.00M | $16.36M |
| Net Income (Profit) | $757.00M | $71.27M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | SYF.PR.B | SLM |
|---|---|---|
| Cash & Equivalents | $21.63B | $3.70B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $17.01B | $6.15B |
| Total Shareholders Equity | $16.58B | $2.40B |
| Retained Earnings | $22.21B | $4.39B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | SYF.PR.B | SLM |
|---|---|---|
| Operating Cash Flow | $1.03B | $16.04M |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | $2.20B | $-146.05M |
| Debt Repayment | $0 | $-788.84M |
| Common Stock Repurchase | $-605.00M | $-29.70M |
Short Interest & Institutional Ownership Analysis
| Metric | SYF.PR.B | SLM |
|---|---|---|
| Shares Short | 30,413 | 8.78M |
| Short Ratio | 0.46 | 3.82 |
| Short % of Float | N/A | 0.05% |
| Average Daily Volume (10 Day) | 24,799 | 2,007,250 |
| Average Daily Volume (90 Day) | 38,461 | 2,226,057 |
| Shares Outstanding | 388.26M | 210.38M |
| Float Shares | 369.84M | 206.28M |
| % Held by Insiders | 0.00% | 0.01% |
| % Held by Institutions | 0.36% | 1.08% |
Dividend Analysis & Yield Comparison: Synchrony Financial vs SLM
| Metric | SYF.PR.B | SLM |
|---|---|---|
| Last 12-Month Dividend | $1.56 | $0.63 |
| Last 12-Month Dividend Yield | 6.20% | 1.92% |
| 3-Year Avg Annual Dividend | $0.68 | $0.50 |
| 3-Year Avg Dividend Yield | 1.97% | 0.58% |
| 3-Year Total Dividends | $2.03 | $1.51 |
| Ex-Dividend Date | Feb 03, 2025 | Sep 04, 2025 |