SYF vs. AER

Last updated Apr 2, 2026

Compare and contrast key facts about Synchrony Financial (SYF) and AerCap Holdings N.V. (AER).

Performance

SYF vs. AER - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Synchrony Financial (SYF) and AerCap Holdings N.V. (AER). The values are adjusted to include any dividend payments, if applicable.

SYF vs. AER - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
SYF Synchrony Financial	-17.78%	30.64%	74.01%	19.76%	-27.43%	36.40%	-0.08%	57.48%	-37.84%	8.35%
AER AerCap Holdings N.V.	-2.38%	51.66%	29.81%	27.43%	-10.85%	43.53%	-25.85%	55.23%	-24.73%	26.44%

Fundamentals

Market Cap SYF : $20.78B AER : $23.35B
EPS SYF : $10.03 AER : $21.70
PE Ratio SYF : 6.81 AER : 6.45
PEG Ratio SYF : 0.59 AER : 0.16
PS Ratio SYF : 1.20 AER : 3.01
PB Ratio SYF : 1.34 AER : 1.27
Total Revenue (TTM) SYF : $20.21B AER : $8.02B
Gross Profit (TTM) SYF : $12.29B AER : $4.21B
EBITDA (TTM) SYF : $7.53B AER : $6.02B

Returns By Period

In the year-to-date period, SYF achieves a -17.78% return, which is significantly lower than AER's -2.38% return. Over the past 10 years, SYF has underperformed AER with an annualized return of 11.35%, while AER has yielded a comparatively higher 13.89% annualized return.

SYF

• 1D: 0.44%
• 1M: -0.47%
• YTD: -17.78%
• 6M: -1.37%
• 1Y: 30.61%
• 3Y*: 35.97%
• 5Y*: 12.91%
• 10Y*: 11.35%

AER

• 1D: 2.03%
• 1M: -6.84%
• YTD: -2.38%
• 6M: 14.56%
• 1Y: 38.06%
• 3Y*: 36.44%
• 5Y*: 19.12%
• 10Y*: 13.89%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

SYF vs. AER — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SYF

SYF Risk / Return Rank: 65
SYF Sharpe Ratio Rank: 68
SYF Sortino Ratio Rank: 60
SYF Omega Ratio Rank: 64
SYF Calmar Ratio Rank: 65
SYF Martin Ratio Rank: 66

AER

AER Risk / Return Rank: 81
AER Sharpe Ratio Rank: 83
AER Sortino Ratio Rank: 76
AER Omega Ratio Rank: 79
AER Calmar Ratio Rank: 82
AER Martin Ratio Rank: 85

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SYF vs. AER - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Synchrony Financial (SYF) and AerCap Holdings N.V. (AER). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	SYF	AER	Difference
Sharpe ratio Return per unit of total volatility	0.79	1.42	-0.63
Sortino ratio Return per unit of downside risk	1.23	1.91	-0.68
Omega ratio Gain probability vs. loss probability	1.19	1.28	-0.10
Calmar ratio Return relative to maximum drawdown	1.14	2.59	-1.45
Martin ratio Return relative to average drawdown	2.97	8.01	-5.03
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SYF vs. AER - Sharpe Ratio Comparison

The current SYF Sharpe Ratio is 0.79, which is lower than the AER Sharpe Ratio of 1.42. The chart below compares the historical Sharpe Ratios of SYF and AER, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	SYF	AER	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.79	1.42	-0.63
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.35	0.60	-0.24
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.29	0.33	-0.04
Sharpe Ratio (All Time) Calculated using the full available price history	0.32	0.20	+0.12

Correlation

The correlation between SYF and AER is 0.53, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

SYF vs. AER - Dividend Comparison

SYF's dividend yield for the trailing twelve months is around 1.76%, more than AER's 0.86% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
SYF Synchrony Financial	1.76%	1.38%	1.54%	2.51%	2.74%	1.90%	2.54%	2.39%	3.07%	1.45%	0.72%
AER AerCap Holdings N.V.	0.86%	0.75%	0.78%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Drawdowns

SYF vs. AER - Drawdown Comparison

The maximum SYF drawdown since its inception was -66.37%, smaller than the maximum AER drawdown of -94.38%. Use the drawdown chart below to compare losses from any high point for SYF and AER.

Drawdown Indicators

	SYF	AER	Difference
Max Drawdown Largest peak-to-trough decline	-66.37%	-94.38%	+28.01%
Max Drawdown (1Y) Largest decline over 1 year	-27.61%	-14.77%	-12.84%
Max Drawdown (5Y) Largest decline over 5 years	-46.65%	-45.14%	-1.51%
Max Drawdown (10Y) Largest decline over 10 years	-66.37%	-75.86%	+9.49%
Current Drawdown Current decline from peak	-22.46%	-9.36%	-13.10%
Average Drawdown Average peak-to-trough decline	-16.99%	-28.57%	+11.58%
Ulcer Index Depth and duration of drawdowns from previous peaks	10.56%	4.78%	+5.78%

Volatility

SYF vs. AER - Volatility Comparison

The current volatility for Synchrony Financial (SYF) is 6.94%, while AerCap Holdings N.V. (AER) has a volatility of 12.27%. This indicates that SYF experiences smaller price fluctuations and is considered to be less risky than AER based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SYF	AER	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.94%	12.27%	-5.33%
Volatility (6M) Calculated over the trailing 6-month period	23.09%	18.99%	+4.10%
Volatility (1Y) Calculated over the trailing 1-year period	38.71%	26.92%	+11.79%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	36.76%	32.29%	+4.47%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	39.45%	41.94%	-2.49%

Financials

SYF vs. AER - Profitability Comparison

The chart below illustrates the profitability comparison between Synchrony Financial and AerCap Holdings N.V. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

SYF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Synchrony Financial reported a gross profit of 4.89B and revenue of 5.86B. Therefore, the gross margin over that period was 83.4%.

AER - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, AerCap Holdings N.V. reported a gross profit of 1.13B and revenue of 2.17B. Therefore, the gross margin over that period was 52.3%.

SYF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Synchrony Financial reported an operating income of 3.49B and revenue of 5.86B, resulting in an operating margin of 59.5%.

AER - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, AerCap Holdings N.V. reported an operating income of 946.83M and revenue of 2.17B, resulting in an operating margin of 43.7%.

SYF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Synchrony Financial reported a net income of 751.00M and revenue of 5.86B, resulting in a net margin of 12.8%.

AER - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, AerCap Holdings N.V. reported a net income of 632.81M and revenue of 2.17B, resulting in a net margin of 29.2%.