SLM
SLM · Consumer Finance
$19.42
10.8%Synchrony Financial
SYF · Consumer Finance
$73.64
1.9%The short version
- Synchrony Financial is the larger business, with $19.0B of revenue in fiscal 2025 against $2.0B for SLM, about 9.6 times as much.
- SLM grew revenue faster (7.3%, against −2.8%).
- Investors pay more for each dollar of Synchrony Financial’s earnings: a P/E of 7.7x against 7.1x for SLM.
| Latest fiscal year | SLM · FY25 | SYF · FY25 |
|---|---|---|
| Size | ||
| Market cap | $4.1B | $27.5B |
| Revenue | $2.0B | $19.0B |
| Free cash flow | — | — |
| Net income | $745M | $3.6B |
| Growth | ||
| Revenue growth | 7.3% | −2.8% |
| 5-year growth | 1.8% | 5.1% |
| Share count change | −4.1% | −6.7% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 37.5% | 18.7% |
| FCF margin | — | — |
| Return on capital | — | — |
| Return on equity | 32.3% | 21.3% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $476M | $3.4B |
| Valuation & quality | ||
| P/E | 7.1x | 7.7x |
| Piotroski F-score | — | — |
FY16
SLM $960M
SYF $13.9B
FY17
SLM $1.1B
SYF $15.3B
FY18
SLM $1.4B
SYF $16.4B
FY19
SLM $1.7B
SYF $17.2B
FY20
SLM $1.8B
SYF $14.8B
FY21
SLM $2.0B
SYF $14.7B
FY22
SLM $1.8B
SYF $16.0B
FY23
SLM $1.8B
SYF $17.3B
FY24
SLM $1.8B
SYF $19.5B
FY25
SLM $2.0B
SYF $19.0B
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