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

Synchrony Financial

NYSE
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PayPal Holdings

NASDAQ
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Synchrony Financial wins in 10 metrics, PayPal Holdings wins in 7 metrics, with 0 ties. Synchrony Financial appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricSynchrony FinancialPayPal HoldingsBetter
P/E Ratio (TTM)8.6514.83Synchrony Financial
Price-to-Book Ratio1.683.29Synchrony Financial
Debt-to-Equity Ratio0.9460.25Synchrony Financial
PEG Ratio0.140.73Synchrony Financial
EV/EBITDAN/A10.45N/A
Profit Margin (TTM)35.79%14.49%Synchrony Financial
Operating Margin (TTM)50.22%19.29%Synchrony Financial
EBITDA Margin (TTM)50.22%19.29%Synchrony Financial
Return on Equity20.23%22.92%PayPal Holdings
Return on Assets (TTM)2.73%4.61%PayPal Holdings
Free Cash Flow (TTM)$9.85B$6.77BSynchrony Financial
Dividend Yield1.22%N/AN/A
1-Year Return34.30%-11.45%Synchrony Financial
Price-to-Sales Ratio (TTM)2.892.05PayPal Holdings
Enterprise Value$24.28B$68.32BPayPal Holdings
EV/Revenue Ratio2.642.12PayPal Holdings
Gross Profit Margin (TTM)N/A46.38%N/A
Revenue per Share (TTM)$24$33PayPal Holdings
Earnings per Share (Diluted)$8.23$4.67Synchrony Financial
Beta (Stock Volatility)1.501.45PayPal Holdings
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Synchrony Financial vs PayPal Holdings Stock Performance Analysis

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Synchrony Financial
PayPal Holdings
Synchrony Financial Stock Overview | PayPal Holdings Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Synchrony Financial0.21%-2.65%-5.00%2.41%59.29%9.39%
PayPal Holdings2.95%2.31%4.23%-6.42%21.80%-17.28%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Synchrony Financial34.30%127.18%142.95%136.75%210.35%210.35%
PayPal Holdings-11.45%-11.41%-65.13%107.90%105.51%105.51%

News Based Sentiment: Synchrony Financial vs PayPal Holdings

Synchrony Financial

News based Sentiment: POSITIVE

October saw Synchrony demonstrate a commitment to growth through strategic acquisitions and partnerships, coupled with a strong Q3 earnings report and optimistic long-term projections. While insider selling activity introduces a note of caution, the overall narrative is positive, suggesting continued potential for investors.

View Synchrony Financial News Sentiment Analysis

PayPal Holdings

News based Sentiment: MIXED

October presented a mixed bag for PayPal, with a strong earnings report and optimistic guidance offset by a stock decline and varying investor sentiment. The company's strategic moves into AI and cryptocurrency position it for future growth, but the market's reaction suggests caution is warranted. This makes it a significant month for investors to reassess their positions.

View PayPal Holdings News Sentiment Analysis

Performance & Financial Health Analysis: Synchrony Financial vs PayPal Holdings

MetricSYFPYPL
Market Information
Market Cap i$28.29B$66.80B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i3,043,27014,481,370
90 Day Avg. Volume i3,166,94711,942,093
Last Close$71.38$71.29
52 Week Range$40.54 - $77.41$55.85 - $93.66
% from 52W High-7.79%-23.88%
All-Time High$77.41 (Sep 05, 2025)$310.16 (Jul 26, 2021)
% from All-Time High-7.79%-77.02%
Growth Metrics
Quarterly Revenue Growth0.24%0.05%
Quarterly Earnings Growth0.50%0.12%
Financial Health
Profit Margin (TTM) i0.36%0.14%
Operating Margin (TTM) i0.50%0.19%
Return on Equity (TTM) i0.20%0.23%
Debt to Equity (MRQ) i0.9460.25
Cash & Liquidity
Book Value per Share (MRQ)$42.29$21.04
Cash per Share (MRQ)$52.30$10.48
Operating Cash Flow (TTM) i$9.88B$6.07B
Levered Free Cash Flow (TTM) i$3.43B$1.01B
Dividends
Last 12-Month Dividend Yield i1.22%N/A
Last 12-Month Dividend i$0.75N/A

Valuation & Enterprise Metrics Analysis: Synchrony Financial vs PayPal Holdings

MetricSYFPYPL
Price Ratios
P/E Ratio (TTM) i8.6514.83
Forward P/E i11.0114.16
PEG Ratio i0.140.73
Price to Sales (TTM) i2.892.05
Price to Book (MRQ) i1.683.29
Market Capitalization
Market Capitalization i$28.29B$66.80B
Enterprise Value i$24.28B$68.32B
Enterprise Value Metrics
Enterprise to Revenue i2.642.12
Enterprise to EBITDA iN/A10.45
Risk & Other Metrics
Beta i1.501.45
Book Value per Share (MRQ) i$42.29$21.04

Financial Statements Comparison: Synchrony Financial vs PayPal Holdings

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)SYFPYPL
Revenue/Sales i$3.72B$7.79B
Cost of Goods Sold iN/A$4.08B
Gross Profit iN/A$3.72B
Research & Development iN/A$731.00M
Operating Income (EBIT) iN/A$1.60B
EBITDA iN/A$1.97B
Pre-Tax Income i$984.00M$1.60B
Income Tax i$227.00M$316.00M
Net Income (Profit) i$757.00M$1.29B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)SYFPYPL
Cash & Equivalents i$21.63B$7.45B
Total Current Assets iN/A$60.61B
Total Current Liabilities iN/A$46.62B
Long-Term Debt i$17.01B$11.42B
Total Shareholders Equity i$16.58B$20.25B
Retained Earnings i$22.21B$28.65B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)SYFPYPL
Operating Cash Flow i$1.03B$1.24B
Capital Expenditures iN/A$-194.00M
Free Cash Flow i$2.20B$964.00M
Debt Repayment i$0$0
Common Stock Repurchase i$-605.00M$-1.50B

Short Interest & Institutional Ownership Analysis

MetricSYFPYPL
Shares Short i15.26M29.86M
Short Ratio i5.603.23
Short % of Float i0.06%0.03%
Average Daily Volume (10 Day) i3,043,27014,481,370
Average Daily Volume (90 Day) i3,166,94711,942,093
Shares Outstanding i388.26M993.00M
Float Shares i369.84M952.18M
% Held by Insiders i0.00%0.00%
% Held by Institutions i1.05%0.81%

Dividend Analysis & Yield Comparison: Synchrony Financial vs PayPal Holdings

MetricSYFPYPL
Last 12-Month Dividend i$0.75N/A
Last 12-Month Dividend Yield i1.22%N/A
3-Year Avg Annual Dividend i$0.89N/A
3-Year Avg Dividend Yield i0.62%N/A
3-Year Total Dividends i$2.67N/A
Ex-Dividend DateFeb 03, 2025N/A