Synchrony Financial [SYF] vs Discover Financial [DFS] Detailed Stock Comparison

Synchrony Financial

NYSE

Discover Financial

NYSE

TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Synchrony Financial wins in 9 metrics, Discover Financial wins in 8 metrics, with 0 ties. Synchrony Financial appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric	Synchrony Financial	Discover Financial	Better
P/E Ratio (TTM)	8.69	10.69	Synchrony Financial
Price-to-Book Ratio	1.69	2.81	Synchrony Financial
Debt-to-Equity Ratio	0.94	76.67	Synchrony Financial
PEG Ratio	0.14	15.76	Synchrony Financial
Profit Margin (TTM)	35.79%	35.88%	Discover Financial
Operating Margin (TTM)	50.22%	48.02%	Synchrony Financial
EBITDA Margin (TTM)	50.22%	48.02%	Synchrony Financial
Return on Equity	20.23%	28.47%	Discover Financial
Return on Assets (TTM)	2.73%	3.19%	Discover Financial
Free Cash Flow (TTM)	$9.85B	$8.16B	Synchrony Financial
Dividend Yield	1.22%	N/A	N/A
1-Year Return	47.30%	59.50%	Discover Financial
Price-to-Sales Ratio (TTM)	2.90	3.77	Synchrony Financial
Enterprise Value	$24.37B	$54.07B	Discover Financial
EV/Revenue Ratio	2.65	4.05	Synchrony Financial
Revenue per Share (TTM)	$24	$53	Discover Financial
Earnings per Share (Diluted)	$8.23	$18.72	Discover Financial
Beta (Stock Volatility)	1.48	1.15	Discover Financial

Performance

Key Stats

Valuation

Financials

Short Interest

Dividends

Synchrony Financial vs Discover Financial Stock Performance Analysis

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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%
Discover Financial	-0.21%	5.25%	27.98%	1.92%	15.49%	14.84%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
Synchrony Financial	47.30%	112.75%	177.70%	119.26%	211.26%	211.26%
Discover Financial	59.50%	92.69%	394.32%	235.99%	1,378.57%	587.93%

Performance Comparison

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Discover Financial (DFS): View Full Stock Overview

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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 Discover Financial

Metric	SYF	DFS
Market Information
Market Cap i	$26.60B	$50.34B
Market Cap Category	Large cap	Large cap
10 Day Avg. Volume i	3,400,890	5,150,998
90 Day Avg. Volume i	3,501,310	3,227,899
Last Close	$71.59	$200.05
52 Week Range	$40.54 - $73.76	$119.95 - $207.42
% from 52W High	-2.94%	-3.55%
All-Time High	$73.76 (Jul 29, 2025)	$207.42 (May 12, 2025)
% from All-Time High	-2.94%	-3.55%
Growth Metrics
Quarterly Revenue Growth	0.24%	0.13%
Quarterly Earnings Growth	0.50%	0.30%
Financial Health
Profit Margin (TTM) i	0.36%	0.36%
Operating Margin (TTM) i	0.50%	0.48%
Return on Equity (TTM) i	0.20%	0.28%
Debt to Equity (MRQ) i	0.94	76.67
Cash & Liquidity
Book Value per Share (MRQ)	$42.29	$71.16
Cash per Share (MRQ)	$52.30	$47.16
Operating Cash Flow (TTM) i	$9.88B	$8.71B
Levered Free Cash Flow (TTM) i	$3.43B	$4.45B
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 Discover Financial

Metric	SYF	DFS
Price Ratios
P/E Ratio (TTM) i	8.69	10.69
Forward P/E i	11.05	15.76
PEG Ratio i	0.14	15.76
Price to Sales (TTM) i	2.90	3.77
Price to Book (MRQ) i	1.69	2.81
Market Capitalization
Market Capitalization i	$26.60B	$50.34B
Enterprise Value i	$24.37B	$54.07B
Enterprise Value Metrics
Enterprise to Revenue i	2.65	4.05
Enterprise to EBITDA i	N/A	N/A
Risk & Other Metrics
Beta i	1.48	1.15
Book Value per Share (MRQ) i	$42.29	$71.16

Financial Statements Comparison: Synchrony Financial vs Discover Financial

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)	SYF	DFS
Revenue/Sales i	$3.72B	$4.76B
Cost of Goods Sold i	N/A	N/A
Gross Profit i	N/A	N/A
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	N/A
EBITDA i	N/A	N/A
Pre-Tax Income i	$984.00M	$1.70B
Income Tax i	$227.00M	$411.00M
Net Income (Profit) i	$757.00M	$1.29B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)	SYF	DFS
Cash & Equivalents i	$21.63B	$11.87B
Total Current Assets i	N/A	N/A
Total Current Liabilities i	N/A	N/A
Long-Term Debt i	$17.01B	$14.54B
Total Shareholders Equity i	$16.58B	$18.96B
Retained Earnings i	$22.21B	$34.48B
Property, Plant & Equipment i	N/A	N/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)	SYF	DFS
Operating Cash Flow i	$1.03B	$1.29B
Capital Expenditures i	N/A	$-63.00M
Free Cash Flow i	$2.20B	$1.92B
Debt Repayment i	$0	$-1.83B
Common Stock Repurchase i	$-605.00M	$-21.00M

Short Interest & Institutional Ownership Analysis

Metric	SYF	DFS
Shares Short i	12.32M	5.45M
Short Ratio i	3.57	2.12
Short % of Float i	0.05%	0.02%
Average Daily Volume (10 Day) i	3,400,890	5,150,998
Average Daily Volume (90 Day) i	3,501,310	3,227,899
Shares Outstanding i	388.26M	251.34M
Float Shares i	370.07M	250.18M
% Held by Insiders i	0.00%	0.00%
% Held by Institutions i	1.05%	0.87%

Dividend Analysis & Yield Comparison: Synchrony Financial vs Discover Financial

Metric	SYF	DFS
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 Discover Financial [DFS] Detailed Stock Comparison