Ameriprise Financial vs Synchrony Financial
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The short version
- Synchrony Financial is the larger business, with $19.0B of revenue in fiscal 2025 against $18.9B for Ameriprise Financial.
- Ameriprise Financial grew revenue faster (5.5%, against β2.8%).
- Investors pay more for each dollar of Ameriprise Financialβs earnings: a P/E of 11.9x against 7.7x for Synchrony Financial.
| Latest fiscal year | AMP Β· FY25 | SYF Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $48.3B | $27.5B |
| Revenue | $18.9B | $19.0B |
| Free cash flow | β | β |
| Net income | $3.6B | $3.6B |
| Growth | ||
| Revenue growth | 5.5% | β2.8% |
| 5-year growth | 9.6% | 5.1% |
| Share count change | β4.6% | β6.7% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 18.8% | 18.7% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | β | 21.3% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $3.5B | $3.4B |
| Valuation & quality | ||
| P/E | 11.9x | 7.7x |
| Piotroski F-score | β | β |
Revenue
FY16
AMP $11.8B
SYF $13.9B
FY17
AMP $12.2B
SYF $15.3B
FY18
AMP $12.9B
SYF $16.4B
FY19
AMP $13.1B
SYF $17.2B
FY20
AMP $12.0B
SYF $14.8B
FY21
AMP $13.4B
SYF $14.7B
FY22
AMP $14.3B
SYF $16.0B
FY23
AMP $16.1B
SYF $17.3B
FY24
AMP $17.9B
SYF $19.5B
FY25
AMP $18.9B
SYF $19.0B
AMP
SYF
Operating margin
FY16
AMP β
SYF β
FY17
AMP β
SYF β
FY18
AMP β
SYF β
FY19
AMP β
SYF β
FY20
AMP β
SYF β
FY21
AMP β
SYF β
FY22
AMP β
SYF β
FY23
AMP β
SYF β
FY24
AMP β
SYF β
FY25
AMP β
SYF β
AMP
SYF
Free cash flow
FY16
AMP β
SYF β
FY17
AMP β
SYF β
FY18
AMP β
SYF β
FY19
AMP β
SYF β
FY20
AMP β
SYF β
FY21
AMP β
SYF β
FY22
AMP β
SYF β
FY23
AMP β
SYF β
FY24
AMP β
SYF β
FY25
AMP β
SYF β
AMP
SYF
Return on capital
FY16
AMP β
SYF β
FY17
AMP β
SYF β
FY18
AMP β
SYF β
FY19
AMP β
SYF β
FY20
AMP β
SYF β
FY21
AMP β
SYF β
FY22
AMP β
SYF β
FY23
AMP β
SYF β
FY24
AMP β
SYF β
FY25
AMP β
SYF β
AMP
SYF
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.