SAP SE vs Synchrony Financial — how do they compare? SAP SE trades at $206.8 (market cap $240.81B), while Synchrony Financial trades at $78.37 (market cap $25.53B). The key difference: SAP SE is far larger — about 9.4× Synchrony Financial's market cap, and Synchrony Financial pays the higher dividend (1.73%). Which is the better fit depends on your goals.
| SAP | SYF | |
|---|---|---|
Market Cap | $240.81B | $25.53B |
Sector | Technology | Financials |
52-Week High | $280.46 | $88.47 |
52-Week Low | $146.38 | $63.78 |
Enterprise Value | $239.52B | — |
Dividend Yield | 1.4% | 1.73% |
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Synchrony Financial (SYF) trades at $78.59, down 0.1% on the day, with a bullish technical outlook supported by moving averages and strong institutional backing. The stock shows robust fundamentals with a P/E of 8.02, net income margin of 23.4%, and consistent earnings beats in recent quarters, including Q2 2026 EPS of $2.59 versus $2.14 expected. Recent news highlights partnerships like CareCredit's integration with Stripe, enhancing growth prospects.
SYF presents a compelling buy opportunity with a consensus price target of $86.33, offering ~10% upside, driven by aggressive buybacks, stable credit trends, and positive analyst sentiment (62.5% buy ratings). Risks include potential consumer spending slowdowns and competitive pressures in the financial services sector, but strong cash flow and dividend payments support shareholder value.
Trailing returns across standard periods
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Founded in 1972 by former IBM employees, SAP provides database technology and enterprise resource planning software to enterprises around the world. Across more than 180 countries, the company serves 440,000 customers, approximately 80% of which are small to medium-size enterprises.
Read more on SAP →Synchrony Financial is a premier consumer financial services company and the largest provider of private-label credit cards in the United States. Spun off from GE Capital in 2014, it operates through a unique B2B2C model, embedding its financing products within the ecosystems of major partners like Amazon, Lowe’s, and PayPal. Synchrony leverages deep data analytics and a diverse multi-platform strategy—spanning retail, health, and auto—to drive customer loyalty and provide specialized credit solutions at the point of sale.
Read more on SYF →