Capital One
COF · Consumer Finance
$201.34
1.0%Synchrony Financial
SYF · Consumer Finance
$73.64
1.9%The short version
- Capital One is the larger business, with $53.4B of revenue in fiscal 2025 against $19.0B for Synchrony Financial, about 2.8 times as much.
- Capital One grew revenue faster (36.6%, against −2.8%).
- Investors pay more for each dollar of Capital One’s earnings: a P/E of 12.1x against 7.7x for Synchrony Financial.
| Latest fiscal year | COF · FY25 | SYF · FY25 |
|---|---|---|
| Size | ||
| Market cap | $109.0B | $27.5B |
| Revenue | $53.4B | $19.0B |
| Free cash flow | — | — |
| Net income | $2.5B | $3.6B |
| Growth | ||
| Revenue growth | 36.6% | −2.8% |
| 5-year growth | 13.4% | 5.1% |
| Share count change | 41.1% | −6.7% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 4.6% | 18.7% |
| FCF margin | — | — |
| Return on capital | — | — |
| Return on equity | 2.8% | 21.3% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $5.6B | $3.4B |
| Valuation & quality | ||
| P/E | 12.1x | 7.7x |
| Piotroski F-score | — | — |
FY16
COF $25.5B
SYF $13.9B
FY17
COF $27.2B
SYF $15.3B
FY18
COF $28.1B
SYF $16.4B
FY19
COF $28.6B
SYF $17.2B
FY20
COF $28.5B
SYF $14.8B
FY21
COF $30.4B
SYF $14.7B
FY22
COF $34.3B
SYF $16.0B
FY23
COF $36.8B
SYF $17.3B
FY24
COF $39.1B
SYF $19.5B
FY25
COF $53.4B
SYF $19.0B
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