American Express
AXP · Consumer Finance
$313.22
3.7%Synchrony Financial
SYF · Consumer Finance
$73.64
1.9%The short version
- American Express is the larger business, with $72.2B of revenue in fiscal 2025 against $19.0B for Synchrony Financial, about 3.8 times as much.
- American Express grew revenue faster (9.5%, against −2.8%).
- Investors pay more for each dollar of American Express’s earnings: a P/E of 17.6x against 7.7x for Synchrony Financial.
| Latest fiscal year | AXP · FY25 | SYF · FY25 |
|---|---|---|
| Size | ||
| Market cap | $218.0B | $27.5B |
| Revenue | $72.2B | $19.0B |
| Free cash flow | — | — |
| Net income | $10.8B | $3.6B |
| Growth | ||
| Revenue growth | 9.5% | −2.8% |
| 5-year growth | 14.9% | 5.1% |
| Share count change | −2.4% | −6.7% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 15.0% | 18.7% |
| FCF margin | — | — |
| Return on capital | — | — |
| Return on equity | 34.0% | 21.3% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $8.1B | $3.4B |
| Valuation & quality | ||
| P/E | 17.6x | 7.7x |
| Piotroski F-score | — | — |
FY16
AXP $35.4B
SYF $13.9B
FY17
AXP $36.9B
SYF $15.3B
FY18
AXP $40.3B
SYF $16.4B
FY19
AXP $43.6B
SYF $17.2B
FY20
AXP $36.1B
SYF $14.8B
FY21
AXP $42.4B
SYF $14.7B
FY22
AXP $52.9B
SYF $16.0B
FY23
AXP $60.5B
SYF $17.3B
FY24
AXP $65.9B
SYF $19.5B
FY25
AXP $72.2B
SYF $19.0B
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.