On the filings, Synchrony (SYF) is the stronger stock right now — higher on our blended fundamentals-plus-verdict read, and we currently rate it BUY.
Headline its multiple and EPS -65% are Discover-deal accounting artifacts; at ~its multiple with a newly owned payment network, COF looks mispriced.
A 21% ROE consumer lender trading at its multiple, shrinking its share count ~11% a year — cheap and shareholder-friendly.
| Metric | COF | SYF |
|---|---|---|
| Fundamentals score | 69 | 74 |
| Revenue growth (YoY) | +36.3% | — |
| Net income growth (YoY) | -48.4% | +1.5% |
| Net margin | 30.4% | — |
| Return on equity | 2.2% | 21.2% |
| ROIC (est.) | — | — |
| Liabilities / Equity | 4.89 | 6.10 |
| Piotroski F-score | 4 / 9 | 6 / 9 |
Bold green = the stronger figure. All rows derive from SEC XBRL filings — no market-price data on this page.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 19, 2026, 2:22 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 29, 2026, 5:43 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.