Comprehensive Stock Comparison
Compare Synchrony Financial (SYF) vs JPMorgan Chase & Co. (JPM) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
Selected Stocks
Add up to 10 tickers. Use presets or search to get started.
Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | SYF | 19.7% revenue growth vs JPM's 14.6% |
| Value | SYF | Lower P/E (7.5x vs 13.9x), PEG 0.83 vs 1.07 |
| Quality / Margins | JPM | 21.6% net margin vs SYF's 16.9% |
| Stability / Safety | JPM | Beta 1.00 vs SYF's 1.58 |
| Dividends | JPM | 1.7% yield, 14-year raise streak, vs SYF's 1.4% |
| Momentum (1Y) | SYF | +15.9% vs JPM's +15.7% |
| Efficiency (ROA) | SYF | 3.1% ROA vs JPM's 1.3%, ROIC 11.0% vs 5.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Synchrony Financial is a consumer financial services company that specializes in private label credit cards and installment loans for retail partners. It generates revenue primarily from interest income on its credit products — about 80% of total revenue — along with interchange fees and merchant discount revenue. Its key competitive advantage is deep, long-term partnerships with major retailers — like Amazon, Lowe's, and Walmart — which provide a captive customer base and predictable transaction volume.
JPMorgan Chase is a global financial services giant that operates as a universal bank offering consumer banking, investment banking, commercial banking, and asset management services. It generates revenue primarily through net interest income from lending activities (about 50% of total revenue) and non-interest income from investment banking fees, trading, asset management, and card services. The company's key competitive advantage lies in its massive scale, diversified revenue streams, and fortress balance sheet—which together create significant barriers to entry and provide stability through economic cycles.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
JPM leads in 4 of 6 categories (Financial Metrics, Total Returns). SYF leads in 2 (Valuation Metrics, Profitability & Efficiency).
Financial Metrics (TTM)
JPM is the larger business by revenue, generating $270.8B annually — 13.0x SYF's $20.8B. Profitability is closely matched — net margins range from 21.6% (JPM) to 16.9% (SYF).
| Metric | SYFSynchrony Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| RevenueTrailing 12 months | $20.8B | $270.8B |
| EBITDAEarnings before interest/tax | $5.1B | $81.3B |
| Net IncomeAfter-tax profit | $3.6B | $58.0B |
| Free Cash FlowCash after capex | $9.8B | -$119.7B |
| Gross MarginGross profit ÷ Revenue | +45.2% | +58.6% |
| Operating MarginEBIT ÷ Revenue | +21.9% | +27.7% |
| Net MarginNet income ÷ Revenue | +16.9% | +21.6% |
| FCF MarginFCF ÷ Revenue | +47.4% | -15.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +47.4% | +16.0% |
Valuation Metrics
At 8.1x trailing earnings, SYF trades at a 47% valuation discount to JPM's 15.2x P/E. Adjusting for growth (PEG ratio), SYF offers better value at 0.90x vs JPM's 1.17x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | SYFSynchrony Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| Market CapShares × price | $24.9B | $809.7B |
| Enterprise ValueMkt cap + debt − cash | $25.6B | $1.09T |
| Trailing P/EPrice ÷ TTM EPS | 8.08x | 15.21x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.48x | 13.93x |
| PEG RatioP/E ÷ EPS growth rate | 0.90x | 1.17x |
| EV / EBITDAEnterprise value multiple | 5.09x | 13.15x |
| Price / SalesMarket cap ÷ Revenue | 1.20x | 2.99x |
| Price / BookPrice ÷ Book value/share | 1.67x | 2.51x |
| Price / FCFMarket cap ÷ FCF | 2.53x | — |
Profitability & Efficiency
SYF delivers a 20.9% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $16 for JPM. SYF carries lower financial leverage with a 0.93x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.18x. On the Piotroski fundamental quality scale (0–9), SYF scores 8/9 vs JPM's 5/9, reflecting strong financial health.
| Metric | SYFSynchrony Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| ROE (TTM)Return on equity | +20.9% | +16.1% |
| ROA (TTM)Return on assets | +3.1% | +1.3% |
| ROICReturn on invested capital | +11.0% | +5.4% |
| ROCEReturn on capital employed | +12.4% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 5 |
| Debt / EquityFinancial leverage | 0.93x | 2.18x |
| Net DebtTotal debt minus cash | $751M | $281.8B |
| Cash & Equiv.Liquid assets | $14.7B | $469.3B |
| Total DebtShort + long-term debt | $15.5B | $751.1B |
| Interest CoverageEBIT ÷ Interest expense | 1.08x | 0.74x |
Total Returns (with DRIP)
A $10,000 investment in JPM five years ago would be worth $21,449 today (with dividends reinvested), compared to $18,520 for SYF. Over the past 12 months, SYF leads with a +15.9% total return vs JPM's +15.7%. The 3-year compound annual growth rate (CAGR) favors JPM at 30.0% vs SYF's 26.5% — a key indicator of consistent wealth creation.
| Metric | SYFSynchrony Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| YTD ReturnYear-to-date | -18.0% | -7.3% |
| 1-Year ReturnPast 12 months | +15.9% | +15.7% |
| 3-Year ReturnCumulative with dividends | +102.4% | +119.7% |
| 5-Year ReturnCumulative with dividends | +85.2% | +114.5% |
| 10-Year ReturnCumulative with dividends | +187.9% | +497.7% |
| CAGR (3Y)Annualised 3-year return | +26.5% | +30.0% |
Risk & Volatility
JPM is the less volatile stock with a 1.00 beta — it tends to amplify market swings less than SYF's 1.58 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. JPM currently trades 89.0% from its 52-week high vs SYF's 77.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SYFSynchrony Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.58x | 1.00x |
| 52-Week HighHighest price in past year | $88.77 | $337.25 |
| 52-Week LowLowest price in past year | $40.55 | $202.16 |
| % of 52W HighCurrent price vs 52-week peak | +77.9% | +89.0% |
| RSI (14)Momentum oscillator 0–100 | 49.5 | 48.1 |
| Avg Volume (50D)Average daily shares traded | 3.8M | 9.0M |
Analyst Outlook
Wall Street rates SYF as "Buy" and JPM as "Buy". Consensus price targets imply 30.3% upside for SYF (target: $90) vs 11.9% for JPM (target: $336). For income investors, JPM offers the higher dividend yield at 1.71% vs SYF's 1.44%.
| Metric | SYFSynchrony Financi… | JPMJPMorgan Chase & … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $90.08 | $336.10 |
| # AnalystsCovering analysts | 41 | 60 |
| Dividend YieldAnnual dividend ÷ price | +1.4% | +1.7% |
| Dividend StreakConsecutive years of raises | 3 | 14 |
| Dividend / ShareAnnual DPS | $0.99 | $5.13 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.0% | +3.5% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Synchrony Financial (SYF) | 100 | 241.92 | +141.9% |
| JPMorgan Chase & Co. (JPM) | 100 | 253.57 | +153.6% |
JPMorgan Chase & Co. (JPM) returned +114% over 5 years vs Synchrony Financial (SYF)'s +85%. A $10,000 investment in JPM 5 years ago would be worth $21,449 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Synchrony Financial (SYF) | $10.9B | $20.8B | +90.8% |
| JPMorgan Chase & Co. (JPM) | $101.0B | $270.8B | +168.1% |
Synchrony Financial's revenue grew from $10.9B (2015) to $20.8B (2024) — a 7.4% CAGR. JPMorgan Chase & Co.'s revenue grew from $101.0B (2015) to $270.8B (2024) — a 11.6% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Synchrony Financial (SYF) | 20.3% | 16.9% | -17.2% |
| JPMorgan Chase & Co. (JPM) | 24.2% | 21.6% | -10.8% |
Synchrony Financial's net margin went from 20% (2015) to 17% (2024). JPMorgan Chase & Co.'s net margin went from 24% (2015) to 22% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Synchrony Financial (SYF) | 16 | 7.6 | -52.5% |
| JPMorgan Chase & Co. (JPM) | 16.9 | 12.1 | -28.4% |
Synchrony Financial has traded in a 5x–16x P/E range over 8 years; current trailing P/E is ~8x. JPMorgan Chase & Co. has traded in a 10x–17x P/E range over 8 years; current trailing P/E is ~15x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Synchrony Financial (SYF) | 2.65 | 8.55 | +222.6% |
| JPMorgan Chase & Co. (JPM) | 6 | 19.75 | +229.2% |
Synchrony Financial's EPS grew from $2.65 (2015) to $8.55 (2024) — a 14% CAGR. JPMorgan Chase & Co.'s EPS grew from $6.00 (2015) to $19.75 (2024) — a 14% CAGR.
Chart 6Free Cash Flow — 5 Years
Synchrony Financial generated $10B FCF in 2024 (+39% vs 2021). JPMorgan Chase & Co. generated $-42B FCF in 2024 (-154% vs 2021).
SYF vs JPM: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is SYF or JPM a better buy right now?
Synchrony Financial (SYF) offers the better valuation at 8.1x trailing P/E (7.5x forward), making it the more compelling value choice. Analysts rate Synchrony Financial (SYF) a "Buy" — based on 41 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — SYF or JPM?
On trailing P/E, Synchrony Financial (SYF) is the cheapest at 8.1x versus JPMorgan Chase & Co. at 15.2x. On forward P/E, Synchrony Financial is actually cheaper at 7.5x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Synchrony Financial wins at 0.83x versus JPMorgan Chase & Co.'s 1.07x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — SYF or JPM?
Over the past 5 years, JPMorgan Chase & Co. (JPM) delivered a total return of +114.5%, compared to +85.2% for Synchrony Financial (SYF). A $10,000 investment in JPM five years ago would be worth approximately $21K today (assuming dividends reinvested). Over 10 years, the gap is even starker: JPM returned +497.7% versus SYF's +187.9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — SYF or JPM?
By beta (market sensitivity over 5 years), JPMorgan Chase & Co. (JPM) is the lower-risk stock at 1.00β versus Synchrony Financial's 1.58β — meaning SYF is approximately 58% more volatile than JPM relative to the S&P 500. On balance sheet safety, Synchrony Financial (SYF) carries a lower debt/equity ratio of 93% versus 2% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which has better profit margins — SYF or JPM?
JPMorgan Chase & Co. (JPM) is the more profitable company, earning 21.6% net margin versus 16.9% for Synchrony Financial — meaning it keeps 21.6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JPM leads at 27.7% versus 21.9% for SYF. At the gross margin level — before operating expenses — JPM leads at 58.6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is SYF or JPM more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, Synchrony Financial (SYF) is the more undervalued stock at a PEG of 0.83x versus JPMorgan Chase & Co.'s 1.07x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Synchrony Financial (SYF) trades at 7.5x forward P/E versus 13.9x for JPMorgan Chase & Co. — 6.5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SYF: 30.3% to $90.08.
07Which pays a better dividend — SYF or JPM?
All stocks in this comparison pay dividends. JPMorgan Chase & Co. (JPM) offers the highest yield at 1.7%, versus 1.4% for Synchrony Financial (SYF).
08Is SYF or JPM better for a retirement portfolio?
For long-horizon retirement investors, JPMorgan Chase & Co. (JPM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.00), 1.7% yield, +497.7% 10Y return). Synchrony Financial (SYF) carries a higher beta of 1.58 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (JPM: +497.7%, SYF: +187.9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between SYF and JPM?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that beat both.