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

Synchrony Financial

NYSE

PayPal Holdings

NASDAQ

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

Metric	Synchrony Financial	PayPal Holdings	Better
P/E Ratio (TTM)	8.69	14.82	Synchrony Financial
Price-to-Book Ratio	1.69	3.29	Synchrony Financial
Debt-to-Equity Ratio	0.94	60.25	Synchrony Financial
PEG Ratio	0.14	0.73	Synchrony Financial
EV/EBITDA	N/A	10.45	N/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 Equity	20.23%	22.92%	PayPal Holdings
Return on Assets (TTM)	2.73%	4.61%	PayPal Holdings
Free Cash Flow (TTM)	$9.85B	$6.77B	Synchrony Financial
Dividend Yield	1.22%	N/A	N/A
1-Year Return	47.30%	-3.70%	Synchrony Financial
Price-to-Sales Ratio (TTM)	2.90	2.05	PayPal Holdings
Enterprise Value	$24.37B	$68.30B	PayPal Holdings
EV/Revenue Ratio	2.65	2.12	PayPal Holdings
Gross Profit Margin (TTM)	N/A	46.38%	N/A
Revenue per Share (TTM)	$24	$33	PayPal Holdings
Earnings per Share (Diluted)	$8.23	$4.67	Synchrony Financial
Beta (Stock Volatility)	1.48	1.42	PayPal Holdings

Performance

Key Stats

Valuation

Financials

Short Interest

Dividends

Synchrony Financial vs PayPal Holdings Stock Performance Analysis

Loading Price Chart...

Performance Comparison

Short-term Returns

Stock	1D	1W	1M	3M	6M	YTD
Synchrony Financial	-0.28%	-1.06%	3.10%	19.22%	9.15%	9.72%
PayPal Holdings	-0.69%	1.59%	-7.71%	-4.52%	-11.88%	-19.88%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
Synchrony Financial	47.30%	112.75%	177.70%	119.26%	211.26%	211.26%
PayPal Holdings	-3.70%	-25.51%	-66.23%	97.06%	99.05%	99.05%

Performance Comparison

This comparison requires JavaScript for dynamic charts and real-time data. For complete performance analysis, visit the individual stock overview pages:

Synchrony Financial (SYF): View Full Stock Overview

PayPal Holdings (PYPL): View Full Stock Overview

The individual stock overview pages contain detailed performance metrics, historical charts, financial data, and comparison tools that work without JavaScript.

Key Performance Metrics Available:

Daily, weekly, monthly, and yearly returns
52-week high and low prices
Market capitalization and valuation ratios
Financial health and profitability metrics
Dividend history and yield information

Performance & Financial Health Analysis: Synchrony Financial vs PayPal Holdings

Metric	SYF	PYPL
Market Information
Market Cap i	$26.60B	$66.14B
Market Cap Category	Large cap	Large cap
10 Day Avg. Volume i	3,400,890	10,522,770
90 Day Avg. Volume i	3,501,310	11,930,660
Last Close	$71.59	$69.05
52 Week Range	$40.54 - $73.76	$55.85 - $93.66
% from 52W High	-2.94%	-26.28%
All-Time High	$73.76 (Jul 29, 2025)	$310.16 (Jul 26, 2021)
% from All-Time High	-2.94%	-77.74%
Growth Metrics
Quarterly Revenue Growth	0.24%	0.05%
Quarterly Earnings Growth	0.50%	0.12%
Financial Health
Profit Margin (TTM) i	0.36%	0.14%
Operating Margin (TTM) i	0.50%	0.19%
Return on Equity (TTM) i	0.20%	0.23%
Debt to Equity (MRQ) i	0.94	60.25
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 i	1.22%	N/A
Last 12-Month Dividend i	$0.75	N/A

Valuation & Enterprise Metrics Analysis: Synchrony Financial vs PayPal Holdings

Metric	SYF	PYPL
Price Ratios
P/E Ratio (TTM) i	8.69	14.82
Forward P/E i	11.05	14.16
PEG Ratio i	0.14	0.73
Price to Sales (TTM) i	2.90	2.05
Price to Book (MRQ) i	1.69	3.29
Market Capitalization
Market Capitalization i	$26.60B	$66.14B
Enterprise Value i	$24.37B	$68.30B
Enterprise Value Metrics
Enterprise to Revenue i	2.65	2.12
Enterprise to EBITDA i	N/A	10.45
Risk & Other Metrics
Beta i	1.48	1.42
Book Value per Share (MRQ) i	$42.29	$21.04

Financial Statements Comparison: Synchrony Financial vs PayPal Holdings

Financial Metrics

Loading Financial Charts...

Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)	SYF	PYPL
Revenue/Sales i	$3.72B	$7.79B
Cost of Goods Sold i	N/A	$4.08B
Gross Profit i	N/A	$3.72B
Research & Development i	N/A	$731.00M
Operating Income (EBIT) i	N/A	$1.60B
EBITDA i	N/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)	SYF	PYPL
Cash & Equivalents i	$21.63B	$7.45B
Total Current Assets i	N/A	$60.61B
Total Current Liabilities i	N/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 i	N/A	N/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)	SYF	PYPL
Operating Cash Flow i	$1.03B	$1.24B
Capital Expenditures i	N/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

Metric	SYF	PYPL
Shares Short i	12.32M	30.06M
Short Ratio i	3.57	2.57
Short % of Float i	0.05%	0.03%
Average Daily Volume (10 Day) i	3,400,890	10,522,770
Average Daily Volume (90 Day) i	3,501,310	11,930,660
Shares Outstanding i	388.26M	993.00M
Float Shares i	370.07M	952.26M
% Held by Insiders i	0.00%	0.00%
% Held by Institutions i	1.05%	0.80%

Dividend Analysis & Yield Comparison: Synchrony Financial vs PayPal Holdings

Metric	SYF	PYPL
Last 12-Month Dividend i	$0.75	N/A
Last 12-Month Dividend Yield i	1.22%	N/A
3-Year Avg Annual Dividend i	$0.89	N/A
3-Year Avg Dividend Yield i	0.62%	N/A
3-Year Total Dividends i	$2.67	N/A
Ex-Dividend Date	Feb 03, 2025	N/A

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