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

FCNCO has the lower trailing P/E: FCNCO trades at 0.10 and SYF at 7.39. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FCNCO or SYF?

Over the past five years, FCNCO grew revenue faster — FCNCO at a 49.49% CAGR versus SYF at 10.25%.

Does FCNCO or SYF pay a bigger dividend?

FCNCO yields 7.41% and SYF yields 1.73% based on trailing dividends and the latest price.

Is FCNCO or SYF more profitable?

SYF runs the higher net margin — FCNCO at 16.31% versus SYF at 18.56%.

How have FCNCO and SYF total returns compared?

Over the past 5 years, FCNCO delivered -0.42% and SYF delivered 9.87% annualized total return. Past performance doesn't predict future results.

First Citizens BancShares, Inc. (FCNCO) vs Synchrony Financial (SYF)

A side-by-side comparison of First Citizens BancShares, Inc. and Synchrony Financial across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FCNCO

First Citizens BancShares, Inc.

$22.63B

$18.75Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

SYF

Synchrony Financial

$23.48B

$72.16Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — FCNCO vs SYF

growth of $100 · dividends reinvested · last 7y

FCNCO +1.5% (+0.2%/yr)SYF +131.6% (+12.7%/yr)SYF compounded faster over this window

FCNCO SYF

FCNCO vs SYF: by the numbers

•SYF is the larger company ($23.48B vs $22.63B market cap).
•FCNCO trades at the lower trailing earnings multiple (0.10 vs 7.39 P/E), one valuation lens rather than an overall verdict.
•SYF converts more revenue to profit (18.56% vs 16.31% net margin).
•FCNCO grew revenue faster over the past five years (49.49% vs 10.25% CAGR).
•FCNCO pays the higher dividend yield (7.41% vs 1.73%).

Metrics side by side

Valuation

Metric	FCNCO	SYF
P/E ratio	0.10	7.39
Forward P/E	N/A	7.71
PEG ratio	0.00	0.23
P/S ratio	1.57	1.24
P/B ratio	1.12	1.55

Profitability

Metric	FCNCO	SYF
Operating margin	21.88%	24.34%
Net margin	16.31%	18.56%
ROE	10.75%	20.82%

First Citizens BancShares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Synchrony Financial: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FCNCO	SYF
Dividend yield	7.41%	1.73%
Payout ratio	0.75%	12.70%

Growth (annualized)

Metric	FCNCO	SYF
Revenue CAGR (5Y)	49.49%	10.25%
EPS CAGR (5Y)	28.40%	32.61%
Total return CAGR (5Y)	-0.42%	9.87%

Frequently asked

Which has the lower trailing P/E, FCNCO or SYF?: FCNCO has the lower trailing P/E: FCNCO trades at 0.10 and SYF at 7.39. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FCNCO or SYF?: Over the past five years, FCNCO grew revenue faster — FCNCO at a 49.49% CAGR versus SYF at 10.25%.
Does FCNCO or SYF pay a bigger dividend?: FCNCO yields 7.41% and SYF yields 1.73% based on trailing dividends and the latest price.
Is FCNCO or SYF more profitable?: SYF runs the higher net margin — FCNCO at 16.31% versus SYF at 18.56%.
How have FCNCO and SYF total returns compared?: Over the past 5 years, FCNCO delivered -0.42% and SYF delivered 9.87% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FCNCO analysis Full SYF analysis Interactive comparison tool

Dig into the metrics

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

First Citizens BancShares & Synchrony Financial appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth 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 October 6, 2026.