Synchrony Financial (SYF) vs Visa (V)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Visa (V) has outperformed Synchrony Financial (SYF) over the past year, gaining 5.6% versus a gain of 1.5%. Over five years, V leads with a +61.1% price change compared with +43.3% for SYF. Visa is the larger company by market cap ($698.56 billion vs $23.40 billion), about 29.8 times the size.
On valuation, Synchrony Financial trades at a lower forward P/E (6.9x vs 24.8x for Visa). Synchrony Financial offers the higher dividend yield (1.67% vs 0.72%). Visa converts more of its revenue into profit, with a net margin of 50.1% versus 18.7%.
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 | V |
|---|---|---|
| Share price | $71.93 | $372.10 |
| Market cap | $23.40B | $698.56B |
| 1-day change | -0.32% | +0.39% |
| YTD return | -13.78% | +6.10% |
| 1-year return | +1.45% | +5.58% |
| 5-year return | +43.34% | +61.09% |
| P/E ratio (TTM) | 7.39 | 31.53 |
| Forward P/E | 6.87 | 24.80 |
| EPS (TTM) | $9.74 | $11.80 |
| Dividend yield | 1.67% | 0.72% |
| Annual dividend | $1.20 | $2.68 |
| Revenue (latest FY) | $18.99B | $40.00B |
| Revenue growth (YoY) | -2.80% | +11.34% |
| Net income (latest FY) | $3.55B | $20.06B |
| Operating margin | — | 59.98% |
| Net margin | 18.71% | 50.14% |
| 52-week high | $88.77 | $385.57 |
| 52-week low | $63.08 | $293.89 |
| Distance from 52-week high | -18.97% | -3.49% |
| Analyst consensus | buy | strong_buy |
| Avg. price target upside | +23.01% | +12.70% |
| Average volume | 3.30M | 6.56M |
| Shares outstanding | 325.37M | 1.70B |
| Employees | 20,000 | 34,100 |
| Sector | Finance | Consumer Discretionary |
| Industry | Finance: Consumer Services | Business 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
- Visa is about 29.8 times larger than Synchrony Financial by market value ($698.56B vs $23.40B).
- Visa trades at a higher earnings multiple (31.5x vs 7.4x trailing P/E).
- Visa is more profitable, keeping 50.1 cents of every revenue dollar as net income versus 18.7 cents for Synchrony Financial.
- Visa grew revenue faster in its latest fiscal year (+11.34% vs -2.80%).
- The two companies sit in different sectors: Synchrony Financial in Finance and Visa in Consumer Discretionary.
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 Visa
V stock →Visa Inc. operates as a payment technology company in the United States and internationally.
Consumer Discretionary · Business Services · 34,100 employees
SYF vs V FAQ
Which is bigger, Synchrony Financial or Visa?
Visa (V) is larger, with a market capitalization of $698.56B compared with $23.40B for Synchrony Financial (SYF).
Which stock has performed better over the past year, SYF or V?
V returned +5.58% 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, SYF or V?
SYF has the lower trailing P/E at 7.4, versus 31.5 for V. 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 Visa?
Synchrony Financial has the higher yield at 1.67%, compared with 0.72% for Visa.
Are Synchrony Financial and Visa in the same industry?
No. Synchrony Financial is in the Finance sector, while Visa is in Consumer Discretionary.