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

Synchrony Financial

NYSE
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PayPal Holdings Inc.

NASDAQ
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

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

Synchrony Financial vs PayPal Holdings Inc. Stock Performance Analysis

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SYF
PYPL

Performance Comparison

Short-term Returns

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

Long-term Returns

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

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

MetricSYFPYPL
Market Information
Market Cap i$26.52B$45.42B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i3,882,43711,850,881
90 Day Avg. Volume i3,772,73915,069,050
Last Close$74.61$42.49
52 Week Range$60.01 - $88.77$38.46 - $79.50
% from 52W High-15.95%-46.55%
All-Time High$88.77 (Jan 09, 2026)$310.16 (Jul 26, 2021)
% from All-Time High-15.95%-86.30%
Growth Metrics
Quarterly Revenue Growth0.06%0.04%
Quarterly Earnings Growth0.06%0.28%
Financial Health
Profit Margin (TTM) i0.36%0.16%
Operating Margin (TTM) i0.44%0.17%
Return on Equity (TTM) i0.22%0.26%
Debt to Equity (MRQ) i0.9860.70
Cash & Liquidity
Book Value per Share (MRQ)$43.91$22.02
Cash per Share (MRQ)$61.04$11.32
Operating Cash Flow (TTM) i$4.31B$6.42B
Levered Free Cash Flow (TTM) i$3.47B$3.27B
Dividends
Last 12-Month Dividend Yield i1.60%0.68%
Last 12-Month Dividend i$1.20$0.28

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

MetricSYF (Apr 26, 2026)PYPL (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i7.939.27
Forward P/E i7.338.65
PEG Ratio i0.400.25
Price to Sales (TTM) i2.691.36
Price to Book (MRQ) i1.742.28
Market Capitalization
Market Capitalization i$26.52B$45.42B
Enterprise Value i$22.90B$47.68B
Enterprise Value Metrics
Enterprise to Revenue i2.321.44
Enterprise to EBITDA iN/A7.17
Risk & Other Metrics
Beta i1.381.41
Book Value per Share (MRQ) i$43.91$22.02

Financial Statements Comparison: Synchrony Financial vs PayPal Holdings Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSYF (2025)PYPL (2025)
Revenue/Sales i14.98B33.17B
Cost of Goods Sold iN/A17.71B
COGS % of Revenue i0.0%53.4%
Gross Profit iN/A15.47B
Gross Margin i0.0%46.6%
Research & Development iN/A3.10B
Operating Income (EBIT) iN/A6.40B
Operating Margin i0.0%19.3%
EBITDA iN/A7.87B
EBITDA Margin i0.0%23.7%
Pre-Tax Income i4.62B6.29B
Pre-Tax Income % of Revenue i30.8%19.0%
Income Tax i1.07B1.06B
Income Tax % of Revenue i7.1%3.2%
Net Income (Profit) i3.55B5.23B
Profit Margin i23.7%15.8%

Balance Sheet & Liquidity Metrics

MetricSYF (2025)PYPL (2025)
Cash & Equivalents i14.97B8.05B
Total Current Assets iN/A59.76B
Total Current Assets % of Revenue i0.0%180.1%
Total Current Liabilities iN/A46.44B
Total Current Liabilities % of Revenue i0.0%140.0%
Long-Term Debt i15.18B9.99B
Long-Term Debt % of Revenue i101.3%30.1%
Total Shareholders Equity i16.77B20.26B
Retained Earnings i24.60B32.47B
Retained Earnings % of Revenue i164.2%97.9%
Property, Plant & Equipment iN/A0

Cash Flow Statement Comparison

MetricSYF (2025)PYPL (2025)
Operating Cash Flow i4.31B6.66B
Operating Cash Flow % of Revenue i28.8%20.1%
Capital Expenditures iN/A-849.00M
Free Cash Flow i9.85B5.56B
FCF Margin i65.8%16.8%
Debt Repayment i-4.33B-5.10B
Common Stock Repurchase i-2.94B-6.05B

Short Interest & Institutional Ownership Analysis

MetricSYFPYPL
Shares Short i14.50M45.98M
Short Ratio i3.662.55
Short % of Float i6.09%5.69%
Shares Outstanding i336.80M920.00M
Float Shares i334.61M918.58M
% Held by Insiders i0.44%0.66%
% Held by Institutions i110.93%84.06%
% Held by Public i-11.37%15.28%

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

MetricSYFPYPL
Last 12-Month Dividend i$1.20$0.28
Last 12-Month Dividend Yield i1.60%0.68%
3-Year Avg Annual Dividend i$1.06$0.09
3-Year Avg Dividend Yield i0.56%0.29%
3-Year Total Dividends i$3.18$0.28
Ex-Dividend DateFeb 06, 2026Mar 04, 2026