SYF vs SPY

Comparison between Synchrony Financial (SYF, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed SYF, delivering a return of +13.3% compared to +12.2%

SYF vs SPY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	SYF(COMPANY)	SPY(ETF)
Market Cap / Net Assets	$25B	$652B
Expense Ratio	N/A	0.09%
Max Drawdown	68.17%	56.47%
Sharpe Ratio	1.10	2.07
5Y Beta	1.50	1.00
Industry	Credit Services	N/A
P/E Ratio	7.41	28.24
Forward P/E	8.05	21.85
PEG Ratio	0.23	N/A
Dividend Yield	1.62%	N/A
5Y Dividends CAGR	11.26%	5.43%
5Y EPS CAGR	22.71%	25.79%
Debt to Equity	99.70%	22.35%
Free Cash Flow Yield	38.83%	N/A
P/S Ratio	2.56	3.55
P/B Ratio	1.64	5.29

Market Cap / Net Assets

SYF

$25B

Winner

SPY

$652B

Expense Ratio

SYF

N/A

SPY

0.09%

Max Drawdown

SYF

68.17%

Winner

SPY

56.47%

Sharpe Ratio

SYF

1.10

Winner

SPY

2.07

5Y Beta

SYF

1.50

Winner

SPY

1.00

Industry

SYF

Credit Services

SPY

N/A

P/E Ratio

Winner

SYF

7.41

SPY

28.24

Forward P/E

Winner

SYF

8.05

SPY

21.85

PEG Ratio

SYF

0.23

SPY

N/A

Dividend Yield

SYF

1.62%

SPY

N/A

5Y Dividends CAGR

Winner

SYF

11.26%

SPY

5.43%

5Y EPS CAGR

SYF

22.71%

Winner

SPY

25.79%

Debt to Equity

SYF

99.70%

Winner

SPY

22.35%

Free Cash Flow Yield

SYF

38.83%

SPY

N/A

P/S Ratio

Winner

SYF

2.56

SPY

3.55

P/B Ratio

Winner

SYF

1.64

SPY

5.29

SYF vs SPY - Historical Returns

Returns include dividend reinvestment.

Period	SYF	SPY
1 month	+2.04%	+9.11%
3 months	-0.69%	+6.59%
6 months	+0.74%	+10.56%
1 year	+34.05%	+32.04%
5 years(CAGR)	+12.23%	+13.35%
10 years(CAGR)	+11.94%	+15.49%
Max(CAGR)	+12.56%	+8.50%

SYF

+2.04%

Winner

SPY

+9.11%

SYF

-0.69%

Winner

SPY

+6.59%

SYF

+0.74%

Winner

SPY

+10.56%

Winner

SYF

+34.05%

SPY

+32.04%

5Y(CAGR)

SYF

+12.23%

Winner

SPY

+13.35%

10Y(CAGR)

SYF

+11.94%

Winner

SPY

+15.49%

Max(CAGR)

Winner

SYF

+12.56%

SPY

+8.50%

SYF vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	SYF	SPY
2026	-12.90%	+8.27%
2025	+30.12%	+18.00%
2024	+75.06%	+25.59%
2023	+21.52%	+26.72%
2022	-28.37%	-18.64%
2021	+38.67%	+30.52%
2020	-0.52%	+17.28%
2019	+52.21%	+31.09%
2018	-38.20%	-5.24%
2017	+6.04%	+20.78%
2016	+22.27%	+13.59%
2015	+3.15%	+1.31%
2014	+29.35%	+14.56%
2013	N/A	+29.00%
2012	N/A	+14.17%
2011	N/A	+0.85%
2010	N/A	+13.14%
2009	N/A	+22.67%
2008	N/A	-36.25%
2007	N/A	+5.32%
2006	N/A	+13.85%
2005	N/A	+5.32%
2004	N/A	+10.75%
2003	N/A	+24.18%
2002	N/A	-22.42%
2001	N/A	-10.13%
2000	N/A	-8.84%
1999	N/A	+8.61%

SYF vs SPY Drawdown Comparison

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

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current SYF drawdown is -16.66%.

Rank	SYF	SPY
#1	-66.35% Jan 26, 2018 - Jan 13, 2021	-55.20% Oct 9, 2007 - Aug 16, 2012
#2	-46.65% Oct 19, 2021 - Jul 11, 2024	-47.50% Mar 24, 2000 - Oct 26, 2006
#3	-37.74% Jan 24, 2025 - Jul 3, 2025	-33.70% Feb 19, 2020 - Aug 10, 2020
#4	-35.09% Jul 20, 2015 - Dec 6, 2016	-24.50% Jan 3, 2022 - Dec 13, 2023
#5	-29.56% Jan 4, 2017 - Dec 4, 2017	-19.34% Sep 20, 2018 - Apr 12, 2019
#6	-27.62% Jan 6, 2026 - Mar 13, 2026	-18.76% Feb 19, 2025 - Jun 26, 2025
#7	-15.70% Jul 17, 2024 - Oct 9, 2024	-13.02% Jul 20, 2015 - Apr 18, 2016
#8	-15.69% Jan 20, 2021 - Feb 24, 2021	-10.10% Jan 26, 2018 - Aug 6, 2018
#9	-12.07% Aug 27, 2021 - Oct 19, 2021	-9.44% Sep 2, 2020 - Nov 11, 2020
#10	-11.81% Jun 8, 2021 - Aug 11, 2021	-9.30% Jan 19, 2000 - Mar 17, 2000
#11	-11.50% Sep 4, 2025 - Nov 26, 2025	-9.05% Jul 19, 2007 - Oct 5, 2007
#12	-11.45% Feb 12, 2015 - Jul 14, 2015	-8.88% Jan 27, 2026 - Apr 14, 2026
#13	-10.06% Mar 17, 2021 - Apr 12, 2021	-8.41% Jul 16, 2024 - Sep 19, 2024
#14	-8.30% Apr 12, 2021 - Apr 29, 2021	-7.35% Sep 14, 2012 - Jan 2, 2013
#15	-7.37% Jul 25, 2025 - Aug 13, 2025	-7.27% Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between SYF and SPY is 0.91 which considered as a very strong positive correlation - the stocks move almost identically together.

0.91

-101

Dividend Comparison (1999 - 2026)

SYF vs SPY dividend yield comparison.

Year	SYF	SPY
2026	0.82%	0.24%
2025	1.38%	1.07%
2024	1.54%	1.21%
2023	2.51%	1.40%
2022	2.74%	1.65%
2021	1.90%	1.20%
2020	2.54%	1.52%
2019	2.39%	1.75%
2018	3.07%	2.04%
2017	1.45%	1.80%
2016	0.72%	2.03%
2015	0.00%	2.06%
2014	0.00%	1.87%
2013	0.00%	1.81%
2012	0.00%	2.18%
2011	0.00%	2.05%
2010	0.00%	1.80%
2009	0.00%	1.95%
2008	0.00%	3.02%
2007	0.00%	1.85%
2006	0.00%	1.73%
2005	0.00%	1.73%
2004	0.00%	1.82%
2003	0.00%	1.47%
2002	0.00%	1.70%
2001	0.00%	1.25%
2000	0.00%	1.15%
1999	0.00%	0.24%