Is CFG or SYF cheaper?

On trailing earnings, SYF is cheaper: CFG trades at a 16.68 P/E and SYF at 8.13.

Which has grown faster, CFG or SYF?

Over the past five years, SYF grew revenue faster — CFG at a 8.62% CAGR versus SYF at 10.42%.

Does CFG or SYF pay a bigger dividend?

CFG yields 2.61% and SYF yields 1.53% based on trailing dividends and the latest price.

Is CFG or SYF more profitable?

SYF runs the higher net margin — CFG at 17.51% versus SYF at 18.08%.

Which has been the better investment, CFG or SYF?

Over the past 10-year, CFG delivered the higher annualized total return — CFG at 17.76% versus SYF at 14.98%. Past performance doesn't predict future results.

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

SYF leads on 9 of 14 compared metrics.

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 June 29, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

CFG

Citizens Financial Group, Inc.

$29.77B

$70.40Financial Services

SYF

Synchrony Financial

$26.46B

$78.66Financial Services

Total return — CFG vs SYF

growth of $100 · last 12y

CFG +205.0%SYF +215.7%SYF compounded faster

CFG SYF

CFG vs SYF: by the numbers

•CFG is the larger company ($29.77B vs $26.46B market cap).
•SYF trades at the lower earnings multiple (8.13 vs 16.68 P/E).
•SYF converts more revenue to profit (18.08% vs 17.51% net margin).
•SYF grew revenue faster over the past five years (10.42% vs 8.62% CAGR).
•CFG pays the higher dividend yield (2.61% vs 1.53%).

Which is better, CFG or SYF?

Metric tally: CFG 5 · SYF 9

It depends on what you're optimizing for:

ValueSYF(lower P/E)

GrowthSYF(faster 5Y revenue CAGR)

IncomeCFG(higher dividend yield)

QualitySYF(higher ROIC)

Metrics side by side

Valuation

Metric	CFG	SYF
P/E ratio	16.68	8.13●
Forward P/E	13.56	8.47●
P/S ratio	2.68	1.37●
P/B ratio	1.16●	1.65
PEG ratio	0.53●	1.09

Profitability

Metric	CFG	SYF
Gross margin	71.13%●	51.04%
Operating margin	22.26%	22.85%●
Net margin	17.51%	18.08%●
ROE	7.55%	21.85%●
ROIC	4.25%	9.36%●

Dividends

Metric	CFG	SYF
Dividend yield	2.61%●	1.53%
Payout ratio	47.18%	12.83%

Growth (annualized)

Metric	CFG	SYF
Revenue CAGR (5Y)	8.62%	10.42%●
EPS CAGR (5Y)	11.93%	32.61%●
Total return CAGR (5Y)	12.87%●	12.04%

Frequently asked

Which is better, CFG or SYF?: It depends on your goal. value: SYF (lower P/E); growth: SYF (faster 5Y revenue CAGR); income: CFG (higher dividend yield); quality: SYF (higher ROIC). Across all compared metrics, SYF leads 9 to 5.
Is CFG or SYF cheaper?: On trailing earnings, SYF is cheaper: CFG trades at a 16.68 P/E and SYF at 8.13.
Which has grown faster, CFG or SYF?: Over the past five years, SYF grew revenue faster — CFG at a 8.62% CAGR versus SYF at 10.42%.
Does CFG or SYF pay a bigger dividend?: CFG yields 2.61% and SYF yields 1.53% based on trailing dividends and the latest price.
Is CFG or SYF more profitable?: SYF runs the higher net margin — CFG at 17.51% versus SYF at 18.08%.
Which has been the better investment, CFG or SYF?: Over the past 10-year, CFG delivered the higher annualized total return — CFG at 17.76% versus SYF at 14.98%. 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 free cash flow Synchrony Financial free cash flow

Citizens Financial & Synchrony Financial appear in these rankings

Highest Dividend Yield Stocks Highest FCF Yield Stocks Best 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 June 29, 2026.