OMF vs SYF
OMF: A leading consumer finance company providing personal loans, auto finance, and credit card products to non-prime customers through a hybrid branch and digital model. SYF: Synchrony is a leading provider of private label and co-branded credit card programs and consumer financing solutions that help partners drive sales and consumers access credit.
Side-by-side fundamentals
| Metric | OMF | SYF | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $61.26 | $75.79 | |
| Market cap as of 2026-08-03 | $7.1B | $24.7B | |
| P/E as of 2026-08-03 | 9.08 | 7.59 | SYF lower |
| PEG as of 2026-08-03 | 0.65 | 1.10 | OMF lower |
| Net margin as of 2026-08-03 | +12.6% | +14.1% | SYF higher |
| Gross margin as of 2026-08-03 | +79.8% | n/a | |
| Operating margin as of 2026-08-03 | +16.1% | +18.4% | SYF higher |
| ROE as of 2026-08-03 | +23.6% | +20.9% | OMF higher |
| ROA as of 2026-08-03 | +2.9% | +2.9% | OMF higher |
| Debt / equity as of 2026-08-03 | 6.63 | 0.97 | SYF lower |
| Revenue growth (YoY) as of 2026-08-03 | +7.8% | +20.5% | SYF higher |
| Dividend yield as of 2026-08-03 | +6.7% | +1.8% | OMF higher |
| Dividend streak (yrs) SEC XBRL | 4 | 5 | SYF higher |
| Beta as of 2026-08-03 | 1.21 | 1.49 | |
| 1-year return as of 2026-07-27 close | +3.1% | +8.8% | SYF higher |
Fundamentals: market data, as of 2026-08-03. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.