Synchrony Financial (SYF) vs TransUnion (TRU)
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 TransUnion (TRU) over the past year, gaining 1.5% versus a loss of 17.7%. Over five years, SYF leads with a +43.3% price change compared with -45.7% for TRU. Synchrony Financial is the larger company by market cap ($23.55 billion vs $12.06 billion), about 2.0 times the size, while TransUnion is growing revenue faster (+9.4% vs -2.8%).
On valuation, Synchrony Financial trades at a lower forward P/E (6.9x vs 11.3x for TransUnion). Synchrony Financial offers the higher dividend yield (1.66% vs 0.38%). Synchrony Financial converts more of its revenue into profit, with a net margin of 18.7% versus 10.0%.
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 | SYF | TRU |
|---|---|---|
| Share price | $72.39 | $62.94 |
| Market cap | $23.55B | $12.06B |
| 1-day change | +0.64% | +0.19% |
| YTD return | -13.78% | -26.74% |
| 1-year return | +1.45% | -17.72% |
| 5-year return | +43.34% | -45.74% |
| P/E ratio (TTM) | 7.41 | 16.61 |
| Forward P/E | 6.92 | 11.35 |
| EPS (TTM) | $9.77 | $3.79 |
| Dividend yield | 1.66% | 0.38% |
| Annual dividend | $1.20 | $0.24 |
| Revenue (latest FY) | $18.99B | $4.58B |
| Revenue growth (YoY) | -2.80% | +9.38% |
| Net income (latest FY) | $3.55B | $455.40M |
| Operating margin | — | 18.74% |
| Net margin | 18.71% | 9.95% |
| 52-week high | $88.77 | $89.12 |
| 52-week low | $63.08 | $60.96 |
| Distance from 52-week high | -18.45% | -29.38% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +22.23% | +48.52% |
| Average volume | 3.28M | 2.33M |
| Shares outstanding | 325.37M | 191.60M |
| Employees | 20,000 | 13,000 |
| 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 TRU by 19.2 percentage points over the past year.
- TransUnion trades at a higher earnings multiple (16.6x vs 7.4x trailing P/E).
- Synchrony Financial offers a meaningfully higher dividend yield (1.66% vs 0.38%).
- Synchrony Financial is more profitable, keeping 18.7 cents of every revenue dollar as net income versus 10.0 cents for TransUnion.
- TransUnion grew revenue faster in its latest fiscal year (+9.38% vs -2.80%).
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
About TransUnion
TRU stock →TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S.
Finance · Finance: Consumer Services · 13,000 employees
SYF vs TRU FAQ
Which is bigger, Synchrony Financial or TransUnion?
Synchrony Financial (SYF) is larger, with a market capitalization of $23.55B compared with $12.06B for TransUnion (TRU).
Which stock has performed better over the past year, SYF or TRU?
SYF returned +1.45% over the past 12 months, compared with -17.72% for TRU (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, SYF or TRU?
SYF has the lower trailing P/E at 7.4, versus 16.6 for TRU. 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, Synchrony Financial or TransUnion?
Synchrony Financial has the higher yield at 1.66%, compared with 0.38% for TransUnion.
Are Synchrony Financial and TransUnion in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.