Equifax (EFX) vs Synchrony Financial (SYF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Synchrony Financial (SYF) has outperformed Equifax (EFX) over the past year, gaining 1.5% versus a loss of 40.2%. Over five years, SYF leads with a +43.3% price change compared with -46.0% for EFX. Synchrony Financial is the larger company by market cap ($23.40 billion vs $16.73 billion), about 1.4 times the size, while Equifax is growing revenue faster (+6.9% vs -2.8%).
On valuation, Synchrony Financial trades at a lower forward P/E (6.9x vs 14.1x for Equifax). Synchrony Financial offers the higher dividend yield (1.67% vs 1.49%). Synchrony Financial converts more of its revenue into profit, with a net margin of 18.7% versus 10.9%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | EFX | SYF |
|---|---|---|
| Share price | $142.43 | $71.93 |
| Market cap | $16.73B | $23.40B |
| 1-day change | -0.04% | -0.32% |
| YTD return | -34.36% | -13.78% |
| 1-year return | -40.15% | +1.45% |
| 5-year return | -46.04% | +43.34% |
| P/E ratio (TTM) | 25.08 | 7.36 |
| Forward P/E | 14.07 | 6.87 |
| EPS (TTM) | $5.68 | $9.77 |
| Dividend yield | 1.49% | 1.67% |
| Annual dividend | $2.12 | $1.20 |
| Revenue (latest FY) | $6.07B | $18.99B |
| Revenue growth (YoY) | +6.92% | -2.80% |
| Net income (latest FY) | $660.30M | $3.55B |
| Gross margin | 56.45% | — |
| Operating margin | 18.03% | — |
| Net margin | 10.87% | 18.71% |
| 52-week high | $238.94 | $88.77 |
| 52-week low | $137.01 | $63.08 |
| Distance from 52-week high | -40.39% | -18.97% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +43.16% | +23.01% |
| Average volume | 1.60M | 3.30M |
| Shares outstanding | 117.48M | 325.37M |
| Employees | 15,000 | 20,000 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- SYF has outperformed EFX by 41.6 percentage points over the past year.
- Equifax trades at a higher earnings multiple (25.1x vs 7.4x trailing P/E).
- Synchrony Financial is more profitable, keeping 18.7 cents of every revenue dollar as net income versus 10.9 cents for Equifax.
- Equifax grew revenue faster in its latest fiscal year (+6.92% vs -2.80%).
About Equifax
EFX stock →Equifax Inc. operates as a data, analytics, and technology company.
Finance · Finance: Consumer Services · 15,000 employees
About Synchrony Financial
SYF stock →Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans.
Finance · Finance: Consumer Services · 20,000 employees
EFX vs SYF FAQ
Which is bigger, Equifax or Synchrony Financial?
Synchrony Financial (SYF) is larger, with a market capitalization of $23.40B compared with $16.73B for Equifax (EFX).
Which stock has performed better over the past year, EFX or SYF?
SYF returned +1.45% over the past 12 months, compared with -40.15% for EFX (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, EFX or SYF?
SYF has the lower trailing P/E at 7.4, versus 25.1 for EFX. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Equifax or Synchrony Financial?
Synchrony Financial has the higher yield at 1.67%, compared with 1.49% for Equifax.
Are Equifax and Synchrony Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.