Capital One vs Synchrony Financial
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KIRAβs take AI analyst
I put Capital One and Synchrony Financial side by side, using each oneβs latest annual report. Here is what stands out:
- 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 7.8x for Synchrony Financial.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Capital One
COF
2/5
Revenue growth5-year growth
Synchrony Financial
SYF
3/5
Net marginReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | COF FY25 | SYF FY25 |
|---|---|---|
| Size | ||
| Market cap | $109.5B | $28.0B |
| 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 | 7.8x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.