Synchrony Financial [SYF] vs Discover Financial [DFS] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Synchrony Financial wins in 8 metrics, Discover Financial Services wins in 10 metrics, with 0 ties. Discover Financial Services appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Synchrony Financial | Discover Financial Services | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 7.93 | 10.69 | Synchrony Financial |
| Price-to-Book Ratio | 1.74 | 2.81 | Synchrony Financial |
| Debt-to-Equity Ratio | 0.98 | 76.67 | Synchrony Financial |
| PEG Ratio | 0.40 | 15.76 | Synchrony Financial |
| Profit Margin (TTM) | 36.39% | 35.88% | Synchrony Financial |
| Operating Margin (TTM) | 44.31% | 48.02% | Discover Financial Services |
| EBITDA Margin (TTM) | 44.31% | 48.02% | Discover Financial Services |
| Return on Equity | 21.78% | 28.47% | Discover Financial Services |
| Return on Assets (TTM) | 2.96% | 3.19% | Discover Financial Services |
| Free Cash Flow (TTM) | $9.85B | $8.16B | Synchrony Financial |
| Dividend Yield | 1.60% | N/A | N/A |
| 1-Year Return | 22.59% | 59.50% | Discover Financial Services |
| Price-to-Sales Ratio (TTM) | 2.69 | 3.77 | Synchrony Financial |
| Enterprise Value | $22.90B | $54.07B | Discover Financial Services |
| EV/Revenue Ratio | 2.32 | 4.05 | Synchrony Financial |
| Revenue per Share (TTM) | $28 | $53 | Discover Financial Services |
| Earnings per Share (Diluted) | $9.66 | $18.72 | Discover Financial Services |
| Beta (Stock Volatility) | 1.38 | 1.15 | Discover Financial Services |
| Short % of Float | 6.09% | 2.49% | Discover Financial Services |
Synchrony Financial vs Discover Financial Services Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Synchrony Financial | 1.70% | 5.75% | 4.53% | 16.54% | -10.34% | -11.86% |
| Discover Financial Services | -0.21% | 5.25% | 27.98% | 32.59% | 32.59% | 32.59% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Synchrony Financial | 22.59% | 122.98% | 58.99% | 184.67% | 218.96% | 218.96% |
| Discover Financial Services | 59.50% | 92.69% | 394.32% | 235.99% | 1,378.57% | 587.93% |
Performance & Financial Health Analysis: Synchrony Financial vs Discover Financial Services
| Metric | SYF | DFS |
|---|---|---|
| Market Information | ||
| Market Cap | $26.52B | $50.34B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 3,882,437 | 5,150,998 |
| 90 Day Avg. Volume | 3,772,739 | 3,227,899 |
| Last Close | $74.61 | $200.05 |
| 52 Week Range | $60.01 - $88.77 | $119.95 - $207.42 |
| % from 52W High | -15.95% | -3.55% |
| All-Time High | $88.77 (Jan 09, 2026) | $207.42 (May 12, 2025) |
| % from All-Time High | -15.95% | -3.55% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.06% | 0.13% |
| Quarterly Earnings Growth | 0.06% | 0.30% |
| Financial Health | ||
| Profit Margin (TTM) | 0.36% | 0.36% |
| Operating Margin (TTM) | 0.44% | 0.48% |
| Return on Equity (TTM) | 0.22% | 0.28% |
| Debt to Equity (MRQ) | 0.98 | 76.67 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $43.91 | $71.16 |
| Cash per Share (MRQ) | $61.04 | $47.16 |
| Operating Cash Flow (TTM) | $4.31B | $8.71B |
| Levered Free Cash Flow (TTM) | $3.47B | $4.45B |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.60% | N/A |
| Last 12-Month Dividend | $1.20 | N/A |
Valuation & Enterprise Metrics Analysis: Synchrony Financial vs Discover Financial Services
| Metric | SYF (Apr 26, 2026) | DFS (May 30, 2025) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 7.93 | 10.69 |
| Forward P/E | 7.33 | 15.76 |
| PEG Ratio | 0.40 | 15.76 |
| Price to Sales (TTM) | 2.69 | 3.77 |
| Price to Book (MRQ) | 1.74 | 2.81 |
| Market Capitalization | ||
| Market Capitalization | $26.52B | $50.34B |
| Enterprise Value | $22.90B | $54.07B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.32 | 4.05 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.38 | 1.15 |
| Book Value per Share (MRQ) | $43.91 | $71.16 |
Financial Statements Comparison: Synchrony Financial vs Discover Financial Services
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | SYF (2025) | DFS (2024) |
|---|---|---|
| Revenue/Sales | 14.98B | 17.91B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 4.62B | 6.07B |
| Pre-Tax Income % of Revenue | 30.8% | 33.9% |
| Income Tax | 1.07B | 1.54B |
| Income Tax % of Revenue | 7.1% | 8.6% |
| Net Income (Profit) | 3.55B | 4.54B |
| Profit Margin | 23.7% | 25.3% |
Balance Sheet & Liquidity Metrics
| Metric | SYF (2025) | DFS (2024) |
|---|---|---|
| Cash & Equivalents | 14.97B | 8.47B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 15.18B | 16.25B |
| Long-Term Debt % of Revenue | 101.3% | 90.7% |
| Total Shareholders Equity | 16.77B | 17.93B |
| Retained Earnings | 24.60B | 33.58B |
| Retained Earnings % of Revenue | 164.2% | 187.5% |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison
| Metric | SYF (2025) | DFS (2024) |
|---|---|---|
| Operating Cash Flow | 4.31B | 4.70B |
| Operating Cash Flow % of Revenue | 28.8% | 26.2% |
| Capital Expenditures | N/A | -209.00M |
| Free Cash Flow | 9.85B | 8.16B |
| FCF Margin | 65.8% | 45.5% |
| Debt Repayment | -4.33B | -5.07B |
| Common Stock Repurchase | -2.94B | -83.00M |
Short Interest & Institutional Ownership Analysis
| Metric | SYF | DFS |
|---|---|---|
| Shares Short | 14.50M | 5.45M |
| Short Ratio | 3.66 | 2.12 |
| Short % of Float | 6.09% | 2.49% |
| Shares Outstanding | 336.80M | 251.34M |
| Float Shares | 334.61M | 250.18M |
| % Held by Insiders | 0.44% | 0.16% |
| % Held by Institutions | 110.93% | 86.52% |
| % Held by Public | -11.37% | 13.32% |
Dividend Analysis & Yield Comparison: Synchrony Financial vs Discover Financial Services
| Metric | SYF | DFS |
|---|---|---|
| Last 12-Month Dividend | $1.20 | N/A |
| Last 12-Month Dividend Yield | 1.60% | N/A |
| 3-Year Avg Annual Dividend | $1.06 | N/A |
| 3-Year Avg Dividend Yield | 0.56% | N/A |
| 3-Year Total Dividends | $3.18 | N/A |
| Ex-Dividend Date | Feb 06, 2026 | N/A |