Capital One vs Synchrony Financial
Capital One is the larger business, with $53.43bn of revenue in fiscal 2025 against $18.99bn for Synchrony Financial (2.8 times as much). Capital One grew faster (36.6% against -2.8%). Synchrony Financial kept more of each dollar of sales as profit: a net margin of 18.7% against 4.6%.
| Latest fiscal year | Capital OneCOF, 2025 | Synchrony FinancialSYF, 2025 |
|---|---|---|
| Revenue | $53.43bn | $18.99bn |
| Revenue growth | 36.6% | -2.8% |
| Net income | $2.45bn | $3.55bn |
| Operating margin | — | — |
| Net margin | 4.6% | 18.7% |
| Return on equity | 2.8% | 21.3% |
| Free cash flow | $26.14bn | — |
| Cash | $62.09bn | $14.97bn |
| Total debt | $51.00bn | $15.18bn |
| Debt to equity | — | — |
| Dividend per share | — | $1.15 |
| Dividend yield | 1.5% | 1.8% |
| Share buybacks | $4.10bn | $2.94bn |
| Employees | 76,300 | 20,000 |
| Market value | $127.66bn | $23.42bn |
| Price vs our value range | — | — |
| Moat score | 37 (Weak) | 56 (Moderate) |
| Insider trades, 12 months | 0 buys, 67 sales | 0 buys, 32 sales |