Ally Financial vs Synchrony Financial
Synchrony Financial is the larger business, with $18.99bn of revenue in fiscal 2025 against $7.91bn for Ally Financial (2.4 times as much). Synchrony Financial grew faster (-2.8% against -3.3%). Synchrony Financial kept more of each dollar of sales as profit: a net margin of 18.7% against 10.8%.
| Latest fiscal year | Ally FinancialALLY, 2025 | Synchrony FinancialSYF, 2025 |
|---|---|---|
| Revenue | $7.91bn | $18.99bn |
| Revenue growth | -3.3% | -2.8% |
| Net income | $852m | $3.55bn |
| Operating margin | — | — |
| Net margin | 10.8% | 18.7% |
| Return on equity | 5.8% | 21.3% |
| Free cash flow | — | — |
| Cash | $10.03bn | $14.97bn |
| Total debt | $21.77bn | $15.18bn |
| Debt to equity | 140.4% | — |
| Dividend per share | $1.20 | $1.15 |
| Dividend yield | 3.3% | 1.8% |
| Share buybacks | $59.0m | $2.94bn |
| Employees | 10,700 | 20,000 |
| Market value | $11.46bn | $23.42bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 56 (Moderate) |
| Insider trades, 12 months | 2 buys, 4 sales | 0 buys, 32 sales |