Capital One vs Synchrony Financial
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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 β2.8%).
- Investors pay more for each dollar of Capital Oneβs earnings: a P/E of 12.1x against 7.7x for Synchrony Financial.
| Latest fiscal year | COF Β· FY25 | SYF Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $109.0B | $27.5B |
| Revenue | $53.4B | $19.0B |
| Free cash flow | β | β |
| Net income | $2.5B | $3.6B |
| Growth | ||
| Revenue growth | 36.6% | β2.8% |
| 5-year growth | 13.4% | 5.1% |
| Share count change | 41.1% | β6.7% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 4.6% | 18.7% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 2.8% | 21.3% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $5.6B | $3.4B |
| Valuation & quality | ||
| P/E | 12.1x | 7.7x |
| Piotroski F-score | β | β |
Revenue
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
COF
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Operating margin
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Free cash flow
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Return on capital
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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.