Pricing Log in Create free account

American Express Company (AXP) vs Synchrony Financial (SYF)

American Express Company and Synchrony Financial are both Credit Services companies. American Express Company is the larger, with a market value of $217.9B against $23.1B — 9.4× the size. Synchrony Financial trades at the lower P/E: 7.7× against 18.3×. American Express Company grew revenue faster over the last twelve months: 8.72% against 0.48%. American Express Company has the higher net margin (14.1% vs 14.0%) and the higher return on invested capital (18.9% vs 15.4%). Both pay a dividend; Synchrony Financial yields more (1.72% vs 1.13%). Across the 19 metrics below, American Express Company leads on 10 and Synchrony Financial on 9.

Valuation

Metric AXP SYF Credit Services median
P/E 18.32 7.69 8.96
P/S 2.57 1.02 1.00
P/B 6.13 1.60 1.23
Price to free cash flow 15.77 2.49 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.46% 13.00% 7.17%
Free cash flow yield 6.34% 40.23% 11.75%

Profitability

Metric AXP SYF Credit Services median
Gross margin 90.75% 83.22% 76.61%
Operating margin 0.00% 0.00% 0.34%
Net margin 14.14% 13.97% 8.35%
Free cash flow margin 16.27% 41.17% 8.73%
Return on equity 35.45% 21.14% 9.05%
Return on assets 3.98% 2.71% 1.94%
Return on invested capital 18.91% 15.44% 4.56%

Growth

Metric AXP SYF Credit Services median
Revenue growth (TTM) 8.72% 0.48% 4.49%
EPS growth (last fiscal year) 9.78% 8.54% 21.94%
Revenue growth, 5-year CAGR 16.08% 7.02% 9.22%
Net income growth, 5-year CAGR 28.65% 20.90% 0.00%

Health

Metric AXP SYF Credit Services median
Debt to equity 1.64 1.03 0.69
Current ratio 1.58 1.23 1.26
Net debt to EBITDA 0.00 0.00 0.11

Dividend

Metric AXP SYF Credit Services median
Dividend yield 1.13% 1.72% 1.64%
Payout ratio 0.21 0.13 0.21

Size

Metric AXP SYF Credit Services median
Market cap 217.91b 23.07b 759.73m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack