Synchrony Financial vs Union Pacific Corporation — how do they compare? Synchrony Financial trades at $71.7 (market cap $24.69B), while Union Pacific Corporation trades at $293.9 (market cap $175.89B). The key difference: Union Pacific Corporation is far larger — about 7.1× Synchrony Financial's market cap, and Union Pacific Corporation pays the higher dividend (1.86%). Which is the better fit depends on your goals.
| SYF | UNP | |
|---|---|---|
Market Cap | $24.69B | $175.89B |
Sector | Financials | Industrials |
52-Week High | $88.47 | $301.75 |
52-Week Low | $63.78 | $214.91 |
Dividend Yield | 1.63% | 1.86% |
Enterprise Value | — | $206.36B |
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Union Pacific (UNP) trades at $293.13, down 2.86% on the day, with technical indicators showing a bullish trend but overbought RSI levels. The company maintains strong profitability with a 29.2% net margin and 40.69% ROE, supported by consistent cash flow from operations of $9.29B in 2025. Recent news highlights Q2 2026 earnings anticipation and progress on the proposed Norfolk Southern merger, while a class action lawsuit presents a legal overhang.
Outlook remains positive with analyst consensus pointing to 6% upside to a $311.07 price target, though regulatory hurdles for the merger and economic sensitivity pose risks. The stock offers a solid dividend yield and operational resilience, but investors should weigh earnings performance against valuation multiples above industry averages.
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 →Omaha, Nebraska-based Union Pacific is the largest public railroad in North America. Operating on more than 30,000 miles of track in the western two thirds of the U.S., UP generated roughly $22 billion of revenue in 2021 by hauling coal, industrial products, intermodal containers, agriculture goods, chemicals, and automotive goods. UP owns about one fourth of Mexican railroad Ferromex and derives about 10% of its revenue hauling freight to and from Mexico.
Read more on UNP →