Which has the lower trailing P/E, CFG or SYF?

SYF has the lower trailing P/E: CFG trades at 15.15 and SYF at 8.14. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CFG or SYF?

Over the past five years, SYF grew revenue faster — CFG at a 9.71% CAGR versus SYF at 11.32%.

Does CFG or SYF pay a bigger dividend?

CFG yields 2.64% and SYF yields 1.56% based on trailing dividends and the latest price.

Is CFG or SYF more profitable?

CFG runs the higher net margin — CFG at 18.54% versus SYF at 17.68%.

How have CFG and SYF total returns compared?

Over the past 10 years, CFG delivered 15.71% and SYF delivered 13.88% annualized total return. Past performance doesn't predict future results.

Citizens Financial Group, Inc. (CFG) vs Synchrony Financial (SYF)

A side-by-side comparison of Citizens Financial Group, Inc. and Synchrony Financial across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of August 21, 2026. Differences are shown without an overall score or investment verdict.

CFG

Citizens Financial Group, Inc.

$29.54B

$69.86Financial ServicesDelayed quote: Aug 21, 2026, 4:00 PM EDT

SYF

Synchrony Financial

$25.86B

$79.47Financial ServicesDelayed quote: Aug 21, 2026, 4:00 PM EDT

Total return — CFG vs SYF

growth of $100 · dividends reinvested · last 10y

CFG +330.3% (+15.7%/yr)SYF +274.4% (+14.1%/yr)CFG compounded faster over this window

CFG SYF

CFG vs SYF: by the numbers

•CFG is the larger company ($29.54B vs $25.86B market cap).
•SYF trades at the lower trailing earnings multiple (8.14 vs 15.15 P/E), one valuation lens rather than an overall verdict.
•CFG converts more revenue to profit (18.54% vs 17.68% net margin).
•SYF grew revenue faster over the past five years (11.32% vs 9.71% CAGR).
•CFG pays the higher dividend yield (2.64% vs 1.56%).

Metrics side by side

Valuation

Metric	CFG	SYF
P/E ratio	15.15	8.14
Forward P/E	13.12	8.50
P/S ratio	2.59	1.33
P/B ratio	1.14	1.57

Profitability

Metric	CFG	SYF
Gross margin	72.37%	51.04%
Operating margin	23.64%	23.57%
Net margin	18.54%	17.68%
ROE	8.12%	20.82%

Dividends

Metric	CFG	SYF
Dividend yield	2.64%	1.56%
Payout ratio	47.18%	13.26%

Growth (annualized)

Metric	CFG	SYF
Revenue CAGR (5Y)	9.71%	11.32%
EPS CAGR (5Y)	11.93%	32.61%
Total return CAGR (5Y)	15.13%	12.53%

Frequently asked

Which has the lower trailing P/E, CFG or SYF?: SYF has the lower trailing P/E: CFG trades at 15.15 and SYF at 8.14. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CFG or SYF?: Over the past five years, SYF grew revenue faster — CFG at a 9.71% CAGR versus SYF at 11.32%.
Does CFG or SYF pay a bigger dividend?: CFG yields 2.64% and SYF yields 1.56% based on trailing dividends and the latest price.
Is CFG or SYF more profitable?: CFG runs the higher net margin — CFG at 18.54% versus SYF at 17.68%.
How have CFG and SYF total returns compared?: Over the past 10 years, CFG delivered 15.71% and SYF delivered 13.88% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CFG analysis Full SYF analysis Interactive comparison tool

Dig into the metrics

Citizens Financial P/E ratio Synchrony Financial P/E ratio Citizens Financial dividend yield Synchrony Financial dividend yield Citizens Financial ROE Synchrony Financial ROE Citizens Financial operating margin Synchrony Financial operating margin Citizens Financial revenue growth Synchrony Financial revenue growth

Citizens Financial & Synchrony Financial appear in these rankings

Highest Dividend Yield Stocks Highest FCF Yield Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified August 21, 2026.