Nu (NU) 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
Nu (NU) has outperformed Synchrony Financial (SYF) over the past year, gaining 3.0% versus a gain of 1.5%. Nu is the larger company by market cap ($75.50 billion vs $23.90 billion), about 3.2 times the size. On valuation, Synchrony Financial trades at a lower forward P/E (7.0x vs 13.8x for Nu).
Synchrony Financial pays a dividend yielding 1.63%, while Nu does not currently pay one. Synchrony Financial converts more of its revenue into profit, with a net margin of 18.7% versus 17.1%.
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 | NU | SYF |
|---|---|---|
| Share price | $15.63 | $73.44 |
| Market cap | $75.50B | $23.90B |
| 1-day change | +0.32% | +2.10% |
| YTD return | -6.93% | -13.78% |
| 1-year return | +2.97% | +1.45% |
| 5-year return | — | +43.34% |
| P/E ratio (TTM) | 21.41 | 7.52 |
| Forward P/E | 13.83 | 7.02 |
| EPS (TTM) | $0.73 | $9.77 |
| Dividend yield | 0.00% | 1.63% |
| Annual dividend | $0.00 | $1.20 |
| Revenue (latest FY) | $11.52B | $18.99B |
| Revenue growth (YoY) | +43.44% | -2.80% |
| Net income (latest FY) | $1.97B | $3.55B |
| Gross margin | 45.61% | — |
| Net margin | 17.12% | 18.71% |
| 52-week high | $18.98 | $88.77 |
| 52-week low | $11.20 | $63.08 |
| Distance from 52-week high | -17.65% | -17.27% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +20.09% | +20.48% |
| Average volume | 85.58M | 3.28M |
| Shares outstanding | 3.81B | 325.37M |
| Employees | — | 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
- Nu is about 3.2 times larger than Synchrony Financial by market value ($75.50B vs $23.90B).
- Nu trades at a higher earnings multiple (21.4x vs 7.5x trailing P/E).
- Synchrony Financial offers a meaningfully higher dividend yield (1.63% vs 0.00%).
- Nu grew revenue faster in its latest fiscal year (+43.44% vs -2.80%).
About Nu
NU stock →Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States.
Finance · Finance: Consumer Services
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
NU vs SYF FAQ
Which is bigger, Nu or Synchrony Financial?
Nu (NU) is larger, with a market capitalization of $75.50B compared with $23.90B for Synchrony Financial (SYF).
Which stock has performed better over the past year, NU or SYF?
NU returned +2.97% over the past 12 months, compared with +1.45% for SYF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, NU or SYF?
SYF has the lower trailing P/E at 7.5, versus 21.4 for NU. 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, Nu or Synchrony Financial?
Synchrony Financial pays a dividend yielding 1.63%, while Nu does not currently pay a regular dividend.
Are Nu and Synchrony Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.