COF vs SYF Comparison: AI Score, Valuation, Performance and Upside
Compare Capital One and Synchrony Financial by credit card delinquency trends, net interest margin, retail partnership revenue, digital banking growth, and analyst upside.
Use this Capital One vs Synchrony Financial comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
SYF holds the edge across 3 of 5 key metrics in this comparison. SYF leads on both 1-year return (+3.04%) and forward P/E quality (6.99x vs 8.57x for COF), a relatively favorable combination of momentum and valuation. On fundamentals, COF is growing revenue faster (46.30%), while SYF maintains the higher operating margin (48.03%) — a classic growth-versus-profitability split. Analyst consensus implies similar upside for both: +23.82% for COF and +22.01% for SYF.
| Metric | COF | SYF |
|---|---|---|
| AI score | 53.6 | 51.3 |
| AI rank | #315 | #432 |
| Latest close | $201.36 | $72.81 |
| 1M return | +0.33% | -3.83% |
| 6M return | -12.83% | -5.60% |
| 1Y return | -7.39% | +3.04% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | COF | SYF |
|---|---|---|
| 1Y ago | $9.18K (-8.2%) started 2025-07-23 | $10.1K (+1.0%) started 2025-07-23 |
| 5Y ago | $14.41K (+44.1%) started 2021-07-26 | $18.76K (+87.6%) started 2021-07-26 |
| 10Y ago | $41.56K (+315.6%) started 2016-07-25 | $41.1K (+311.0%) started 2016-07-25 |
Hypothetical — past performance does not guarantee future results.
| Metric | COF | SYF |
|---|---|---|
| Market cap | $128.15B | $24.76B |
| Trailing P/E | 64.01 | 7.62 |
| Forward P/E | 8.57 | 6.99 |
| Price/Sales | N/A | 2.59 |
| EV/Revenue | 3.07 | 2.21 |
| Analyst target | $257.59 | $89.83 |
| Target upside | +23.82% | +22.01% |
| Metric | COF | SYF |
|---|---|---|
| Revenue growth | 46.30% | 6.10% |
| Earnings growth | -3.20% | 20.10% |
| EPS growth | -3.20% | +20.10% |
| FCF margin | N/A | N/A |
| Operating margin | 28.59% | 48.03% |
| Profit margin | 8.88% | 36.39% |
| ROIC proxy | 3.26% | 21.78% |
| Return on equity | 3.26% | 21.78% |
| Dividend yield | 1.54% | 1.63% |
| Beta | 1.02 | 1.31 |
| Debt/equity | N/A | N/A |
| Current ratio | N/A | N/A |
| Quick ratio | N/A | N/A |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | COF | SYF |
|---|---|---|---|
| 1Y | Growth | -8.25% | +1.01% |
| CAGR | -8.27% | +1.02% | |
| Sharpe ratio | -0.24 | 0.05 | |
| Max drawdown | 31.73% | 27.91% | |
| Max daily drop | 8.84% | 9.61% | |
| Max wkly drop | 10.29% | 11.77% | |
| 5Y | Growth | +33.58% | +69.83% |
| CAGR | +5.97% | +11.19% | |
| Sharpe ratio | 0.21 | 0.35 | |
| Max drawdown | 50.38% | 46.65% | |
| Max daily drop | 9.96% | 15.42% | |
| Max wkly drop | 18.58% | 18.86% | |
| 10Y | Growth | +250.53% | +222.10% |
| CAGR | +13.37% | +12.42% | |
| Sharpe ratio | 0.40 | 0.38 | |
| Max drawdown | 60.25% | 66.37% | |
| Max daily drop | 23.87% | 26.03% | |
| Max wkly drop | 38.21% | 44.43% |
| Category | COF | SYF |
|---|---|---|
| Company | COF | SYF |
| Sector | Financial Services | Financial Services |
| Industry | N/A | Credit Services |
| Core business | N/A | N/A |
| Investor focus | N/A | N/A |
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