SYF vs FCNCA

Comparison between Synchrony Financial (SYF, Company) and First Citizens Bancshares Inc (NC) - Class A (FCNCA, Company).

Both SYF and FCNCA are from the Financial Services sector.

5-Year PerformanceFCNCA has outperformed SYF, delivering a return of +22.0% compared to +11.4%

SYF vs FCNCA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	SYF(COMPANY)	FCNCA(COMPANY)
Market Cap	$25B	$25B
Max Drawdown	68.17%	64.11%
Sharpe Ratio	0.19	-0.07
5Y Beta	1.50	1.05
Industry	Credit Services	Banks - Regional
P/E Ratio	7.30	12.32
Forward P/E	7.87	13.07
PEG Ratio	0.22	1.40
Dividend Yield	1.62%	0.38%
5Y Dividends CAGR	11.26%	35.78%
5Y EPS CAGR	22.71%	34.75%
Debt to Equity	99.70%	154.04%
Free Cash Flow Yield	39.41%	9.11%
P/S Ratio	2.53	2.61
P/B Ratio	1.63	1.20

Market Cap

Winner

SYF

$25B

FCNCA

$25B

Max Drawdown

SYF

68.17%

Winner

FCNCA

64.11%

Sharpe Ratio

Winner

SYF

0.19

FCNCA

-0.07

5Y Beta

SYF

1.50

Winner

FCNCA

1.05

Industry

SYF

Credit Services

FCNCA

Banks - Regional

P/E Ratio

Winner

SYF

7.30

FCNCA

12.32

Forward P/E

Winner

SYF

7.87

FCNCA

13.07

PEG Ratio

Winner

SYF

0.22

FCNCA

1.40

Dividend Yield

Winner

SYF

1.62%

FCNCA

0.38%

5Y Dividends CAGR

SYF

11.26%

Winner

FCNCA

35.78%

5Y EPS CAGR

SYF

22.71%

Winner

FCNCA

34.75%

Debt to Equity

Winner

SYF

99.70%

FCNCA

154.04%

Free Cash Flow Yield

Winner

SYF

39.41%

FCNCA

9.11%

P/S Ratio

Winner

SYF

2.53

FCNCA

2.61

P/B Ratio

SYF

1.63

Winner

FCNCA

1.20

SYF vs FCNCA - Historical Returns

Returns include dividend reinvestment.

Period	SYF	FCNCA
1 month	-4.61%	-0.66%
3 months	-6.59%	+0.95%
6 months	-5.61%	-4.91%
1 year	+5.72%	-1.62%
5 years(CAGR)	+11.36%	+22.02%
10 years(CAGR)	+12.45%	+23.45%
Max(CAGR)	+12.21%	+13.84%

SYF

-4.61%

Winner

FCNCA

-0.66%

SYF

-6.59%

Winner

FCNCA

+0.95%

SYF

-5.61%

Winner

FCNCA

-4.91%

Winner

SYF

+5.72%

FCNCA

-1.62%

5Y(CAGR)

SYF

+11.36%

Winner

FCNCA

+22.02%

10Y(CAGR)

SYF

+12.45%

Winner

FCNCA

+23.45%

Max(CAGR)

SYF

+12.21%

Winner

FCNCA

+13.84%

SYF vs FCNCA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	SYF	FCNCA
2026	-14.00%	-3.85%
2025	+30.12%	+2.49%
2024	+75.06%	+47.39%
2023	+21.52%	+89.46%
2022	-28.37%	-11.55%
2021	+38.67%	+46.31%
2020	-0.52%	+7.28%
2019	+52.21%	+40.73%
2018	-38.20%	-6.47%
2017	+6.04%	+13.91%
2016	+22.27%	+42.96%
2015	+3.15%	+3.51%
2014	+29.35%	+14.62%
2013	N/A	+33.71%
2012	N/A	-8.09%
2011	N/A	-8.71%
2010	N/A	+11.87%
2009	N/A	+8.50%
2008	N/A	+7.72%
2007	N/A	-29.39%
2006	N/A	+12.90%
2005	N/A	+21.61%
2004	N/A	+22.65%
2003	N/A	+23.99%
2002	N/A	-0.61%
2001	N/A	+23.69%
2000	N/A	+18.67%
1999	N/A	-8.79%

SYF vs FCNCA Drawdown Comparison

The maximum drawdown for SYF was -66.35%, occurring on Mar 23, 2020. Recovery took 746 trading sessions.

The maximum drawdown for FCNCA was -63.51%, occurring on Mar 6, 2009. Recovery took 917 trading sessions.

The current SYF drawdown is -17.71%. The current FCNCA drawdown is -11.35%.

Rank	SYF	FCNCA
#1	-66.35% Jan 26, 2018 - Jan 13, 2021	-63.51% Jul 25, 2006 - Mar 17, 2010
#2	-46.65% Oct 19, 2021 - Jul 11, 2024	-47.49% Jan 30, 2020 - Nov 9, 2020
#3	-37.74% Jan 24, 2025 - Jul 3, 2025	-43.63% Sep 2, 2021 - Mar 28, 2023
#4	-35.09% Jul 20, 2015 - Dec 6, 2016	-33.93% Mar 17, 2010 - Jul 18, 2013
#5	-29.56% Jan 4, 2017 - Dec 4, 2017	-33.51% Nov 22, 2024 - Apr 8, 2025
#6	-27.62% Jan 6, 2026 - Mar 13, 2026	-26.59% Jul 5, 2001 - Apr 30, 2002
#7	-15.70% Jul 17, 2024 - Oct 9, 2024	-26.35% Nov 3, 1999 - Dec 13, 2000
#8	-15.69% Jan 20, 2021 - Feb 24, 2021	-24.39% Aug 24, 2018 - Sep 12, 2019
#9	-12.07% Aug 27, 2021 - Oct 19, 2021	-20.61% May 22, 2002 - Jul 31, 2003
#10	-11.81% Jun 8, 2021 - Aug 11, 2021	-19.04% Jun 12, 2014 - Dec 5, 2014
#11	-11.50% Sep 4, 2025 - Nov 26, 2025	-18.88% Jul 14, 2015 - Jul 14, 2016
#12	-11.45% Feb 12, 2015 - Jul 14, 2015	-16.86% Feb 16, 2005 - Jul 5, 2005
#13	-10.06% Mar 17, 2021 - Apr 12, 2021	-16.51% Jun 8, 2021 - Aug 27, 2021
#14	-8.30% Apr 12, 2021 - Apr 29, 2021	-16.42% Dec 9, 2014 - Jul 13, 2015
#15	-7.37% Jul 25, 2025 - Aug 13, 2025	-15.35% Jan 25, 2017 - Jul 3, 2017

Correlation

Correlation between SYF and FCNCA is 0.89 which considered as a strong positive correlation - the stocks tend to move together.

0.89

-101

Dividend Comparison (1999 - 2026)

SYF vs FCNCA dividend yield comparison.

Year	SYF	FCNCA
2026	0.83%	0.20%
2025	1.38%	0.37%
2024	1.54%	0.33%
2023	2.51%	0.27%
2022	2.74%	0.28%
2021	1.90%	0.23%
2020	2.54%	0.29%
2019	2.39%	0.30%
2018	3.07%	0.38%
2017	1.45%	0.31%
2016	0.72%	0.34%
2015	0.00%	0.46%
2014	0.00%	0.47%
2013	0.00%	0.54%
2012	0.00%	0.80%
2011	0.00%	0.69%
2010	0.00%	0.63%
2009	0.00%	0.73%
2008	0.00%	0.72%
2007	0.00%	0.75%
2006	0.00%	0.54%
2005	0.00%	0.63%
2004	0.00%	0.74%
2003	0.00%	0.91%
2002	0.00%	1.04%
2001	0.00%	1.02%
2000	0.00%	1.24%
1999	0.00%	0.36%