Synchrony Financial vs Toronto-Dominion Bank — how do they compare? Synchrony Financial trades at $73.03 (market cap $23.99B), while Toronto-Dominion Bank trades at $114.01 (market cap $185.79B). The key difference: Toronto-Dominion Bank is far larger — about 7.7× Synchrony Financial's market cap, and Toronto-Dominion Bank pays the higher dividend (2.84%). Which is the better fit depends on your goals — on Pluang, investors hold Synchrony Financial for 28 Days and Toronto-Dominion Bank for 84 Days on average.
| SYF | TD | |
|---|---|---|
Market Cap | $23.99B | $185.79B |
Volume | 3,813,027 | 3,263,867 |
Sector | Financials | Financials |
52-Week High | $88.47 | $124.80 |
52-Week Low | $63.78 | $78.32 |
Typical Hold Time | 28 Days | 84 Days |
Enterprise Value | $24.23B | $559.06B |
Dividend Yield | 1.84% | 2.84% |
Signals from Pluang's Aura AI — not financial advice
Synchrony Financial (SYF) trades at $73.16, up 1.71% on the day, with a bullish technical signal despite some bearish moving averages. The stock shows strong fundamentals, with a low P/E of 7.56 and robust profitability, including a 23.4% net income margin and 22.23% ROE. Recent earnings have consistently beaten expectations, and the company is expanding through partnerships like the recent tie-up with Vetspire and OpenAI.
The outlook is positive, supported by analyst consensus with a $87.58 price target and 61% buy ratings. Key opportunities include high receivables growth and strategic AI integrations, while risks involve increased investing cash outflows and potential consumer credit stress amid economic uncertainty.
TD stock trades at $113.87, down 3.65% on the day, with technical indicators showing bearish momentum. The company reported strong earnings beats in recent quarters with Q2 2026 EPS of $1.98 beating expectations of $1.74. Revenue growth continues with 2025 revenue reaching $61.28B, though cash flow volatility remains a concern with operating cash flow turning negative in 2025. The $10 billion share buyback program and $108 billion Canadian infrastructure commitment signal management confidence.
TD presents a mixed investment case with solid fundamentals offset by technical weakness. The stock offers value with a reasonable P/E of 17.36 and strong analyst support (52.94% buy ratings), but faces headwinds from cash flow volatility and declining profit margins. The current price near support levels may offer entry points for long-term investors attracted to the dividend yield and buyback program.
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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 →Toronto-Dominion is one of Canada's two largest banks and operates three business segments: Canadian retail banking, U.S. retail banking, and wholesale banking. The bank's U.S. operations span from Maine to Florida, with a strong presence in the Northeast. It also has a 13% ownership stake in Charles Schwab.
Read more on TD →