Is CINF or SYF cheaper?

On trailing earnings, SYF is cheaper: CINF trades at a 9.66 P/E and SYF at 7.59.

Which has grown faster, CINF or SYF?

Over the past five years, SYF grew revenue faster — CINF at a 5.55% CAGR versus SYF at 10.42%.

Does CINF or SYF pay a bigger dividend?

CINF yields 2.10% and SYF yields 1.64% based on trailing dividends and the latest price.

Is CINF or SYF more profitable?

CINF runs the higher net margin — CINF at 21.34% versus SYF at 18.08%.

Which has been the better investment, CINF or SYF?

Over the past 10-year, CINF delivered the higher annualized total return — CINF at 12.06% versus SYF at 11.66%. Past performance doesn't predict future results.

Cincinnati Financial Corporation (CINF) vs Synchrony Financial (SYF)

SYF leads on 12 of 17 compared metrics.

A side-by-side comparison of Cincinnati Financial Corporation and Synchrony Financial across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 13, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

CINF

Cincinnati Financial Corporation

$26.14B

$169.01Financial Services

SYF

Synchrony Financial

$24.68B

$73.36Financial Services

Total return — CINF vs SYF

growth of $100 · last 12y

CINF +268.1%SYF +219.0%CINF compounded faster

CINF SYF

CINF vs SYF: by the numbers

•CINF is the larger company ($26.14B vs $24.68B market cap).
•SYF trades at the lower earnings multiple (7.59 vs 9.66 P/E).
•CINF converts more revenue to profit (21.34% vs 18.08% net margin).
•SYF grew revenue faster over the past five years (10.42% vs 5.55% CAGR).
•CINF pays the higher dividend yield (2.10% vs 1.64%).

Which is better, CINF or SYF?

Metric tally: CINF 5 · SYF 12

It depends on what you're optimizing for:

ValueSYF(lower P/E)

GrowthSYF(faster 5Y revenue CAGR)

IncomeCINF(higher dividend yield)

QualityCINF(higher ROIC)

Valuation

Metric	CINF	SYF
P/E ratio	9.66	7.59●
Forward P/E	19.47	7.90●
P/S ratio	2.05	1.27●
P/B ratio	1.68	1.54●
PEG ratio	3.03	1.02●
EV / EBITDA	7.16	4.30●
FCF yield	13.04%	38.76%●

Profitability

Metric	CINF	SYF
Gross margin	50.29%	61.08%●
Operating margin	26.68%●	22.85%
Net margin	21.34%●	18.08%
ROE	17.54%	21.85%●
ROIC	10.68%●	9.36%

Dividends

Metric	CINF	SYF
Dividend yield	2.10%●	1.64%
Payout ratio	23.40%	12.83%

Growth (annualized)

Metric	CINF	SYF
Revenue CAGR (5Y)	5.55%	10.42%●
EPS CAGR (5Y)	15.01%	32.61%●
FCF CAGR (5Y)	15.79%●	4.77%
Total return CAGR (5Y)	9.43%	10.68%●

Frequently asked

Which is better, CINF or SYF?: It depends on your goal. value: SYF (lower P/E); growth: SYF (faster 5Y revenue CAGR); income: CINF (higher dividend yield); quality: CINF (higher ROIC). Across all compared metrics, SYF leads 12 to 5.
Is CINF or SYF cheaper?: On trailing earnings, SYF is cheaper: CINF trades at a 9.66 P/E and SYF at 7.59.
Which has grown faster, CINF or SYF?: Over the past five years, SYF grew revenue faster — CINF at a 5.55% CAGR versus SYF at 10.42%.
Does CINF or SYF pay a bigger dividend?: CINF yields 2.10% and SYF yields 1.64% based on trailing dividends and the latest price.
Is CINF or SYF more profitable?: CINF runs the higher net margin — CINF at 21.34% versus SYF at 18.08%.
Which has been the better investment, CINF or SYF?: Over the past 10-year, CINF delivered the higher annualized total return — CINF at 12.06% versus SYF at 11.66%. Past performance doesn't predict future results.

Go deeper

Full CINF analysis Full SYF analysis Interactive comparison tool

Dig into the metrics

Cincinnati Financial P/E ratio Synchrony Financial P/E ratio Cincinnati Financial dividend yield Synchrony Financial dividend yield Cincinnati Financial ROE Synchrony Financial ROE Cincinnati Financial operating margin Synchrony Financial operating margin Cincinnati Financial revenue growth Synchrony Financial revenue growth Cincinnati Financial free cash flow Synchrony Financial free cash flow

Cincinnati Financial & Synchrony Financial appear in these rankings

Highest Dividend Yield Stocks Dividend Aristocrats Highest FCF Yield 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 13, 2026.