American Express vs Synchrony Financial
American Express is the larger business, with $72.23bn of revenue in fiscal 2025 against $18.99bn for Synchrony Financial (3.8 times as much). American Express grew faster (9.5% against -2.8%). Synchrony Financial kept more of each dollar of sales as profit: a net margin of 18.7% against 15.0%.
| Latest fiscal year | American ExpressAXP, 2025 | Synchrony FinancialSYF, 2025 |
|---|---|---|
| Revenue | $72.23bn | $18.99bn |
| Revenue growth | 9.5% | -2.8% |
| Net income | $10.83bn | $3.55bn |
| Operating margin | — | — |
| Net margin | 15.0% | 18.7% |
| Return on equity | 34.0% | 21.3% |
| Free cash flow | $16.00bn | — |
| Cash | $47.79bn | $14.97bn |
| Total debt | $57.76bn | $15.18bn |
| Debt to equity | — | — |
| Dividend per share | $3.28 | $1.15 |
| Dividend yield | 1.1% | 1.8% |
| Share buybacks | $5.81bn | $2.94bn |
| Employees | 76,800 | 20,000 |
| Market value | $218.01bn | $23.42bn |
| Price vs our value range | — | — |
| Moat score | 64 (Moderate) | 56 (Moderate) |
| Insider trades, 12 months | 0 buys, 16 sales | 0 buys, 32 sales |