Synchrony Financial vs TJX Companies Inc — how do they compare? Synchrony Financial trades at $78.37 (market cap $25.53B), while TJX Companies Inc trades at $152.9 (market cap $172.05B). The key difference: TJX Companies Inc is far larger — about 6.7× Synchrony Financial's market cap, and Synchrony Financial pays the higher dividend (1.73%). Which is the better fit depends on your goals.
| SYF | TJX | |
|---|---|---|
Market Cap | $25.53B | $172.05B |
Sector | Financials | Consumer Cyclical |
52-Week High | $88.47 | $168.41 |
52-Week Low | $63.78 | $132.62 |
Dividend Yield | 1.73% | 1.23% |
Enterprise Value | — | $180.65B |
Signals from Pluang's Aura AI — not financial advice
Synchrony Financial (SYF) trades at $79.41, up 1.56% with strong technical momentum and bullish moving averages. The company demonstrates solid fundamentals with a P/E of 8.05, net income margin of 23.4%, and consistent earnings beats in recent quarters. Recent Q2 2026 results showed $2.59 EPS, beating estimates by 24.5%, while the CareCredit partnership with Stripe expands financing access for health providers.
SYF presents attractive value with robust capital returns including aggressive buybacks and dividends. Analyst consensus is strongly bullish with a $86.33 price target representing 8.7% upside. Key risks include consumer credit deterioration and rising expenses, but stable purchase volume growth and improved net interest margin outlook support continued earnings growth potential.
TJX trades at $152.64, down 3.88% in the last session, with a bearish technical signal but strong fundamentals including a 61.25% ROE and consistent earnings beats. Revenue grew to $56.36B in 2025, with net income margin expanding to 8.63%. The company maintains robust cash flow from operations at $6.12B and announced dividends of $0.48 per share for H1 and H2 2026.
Outlook remains positive with analyst consensus price target of $181.80 (19% upside), supported by 88% buy ratings. Risks include competitive discount retail pressures and macroeconomic sensitivity, but TJX's value proposition and growth trajectory offer investment opportunity pending Q2 2026 earnings on August 19, 2026.
Trailing returns across standard periods
Latest headlines on both assets
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 →TJX is a leading off-price retailer of apparel, home fashions, and other merchandise. It sells a variety of branded goods, opportunistically buying inventory from a network of over 21,000 vendors worldwide. TJX targets undercutting conventional retailers' regular prices by 20%-60%, capitalizing on a flexible merchandising network, relatively low-frills stores, and a treasure-hunt shopping experience to drive margins and inventory turnover. TJX derived 79% of fiscal 2022 revenue from the United States, with 11% from Europe (mostly the United Kingdom and Germany), 9% from Canada, and the remainder from Australia. The company operated 4,689 stores at the end of fiscal 2022 under the T.J. Maxx, T.K. Maxx, Marshalls, HomeGoods, Winners, Homesense, Winners, and Sierra banners.
Read more on TJX →