MA vs SYF

Mastercard and Synchrony Financial, both Financial Services

Mastercard is the larger company at $433B against $25B. On trailing earnings SYF is the cheaper of the two at a P/E of 8.2 against 32.9, a gap that is only a bargain if the two are growing at similar rates. Over the past year SYF returned +16% against +5.6% for MA. Ryufin's sector-relative Smart Score puts SYF ahead, 9/10 against 8/10.

Mastercard and Synchrony Financialcompared on valuation, return and Ryufin’s Smart Score
FigureMASYF
Last close$599$79.74
Market cap$433B$25B
Trailing P/Elower is cheaper for the same earnings, not automatically better32.98.2
Dividend yield0.5%1.4%
1-year return+5.6%+16%
5-year return+59%+89%
Ryufin Smart Scoresector-relative, 1–108/109/10

Figures from SEC filings and end-of-day closes. Highlighting marks the higher or lower number, which is not the same as the better investment, a low P/E can be a warning and a high one can be deserved.

Mastercard

Revenue of $9.3B in Q2 2026, net income $4.4B. Its largest reported line is Payment Network, 59% of the disclosed total.

Synchrony Financial

Revenue of $4.6B in Q1 2026, net income $805M.

Open these two in the interactive comparison to add more names, change the period or read the correlation.