SYF vs. GIS
SYF (Synchrony Financial) and GIS (General Mills, Inc.) are both stocks. SYF operates in Credit Services (Financial Services), while GIS operates in Packaged Foods (Consumer Defensive). Over the past 10 years, SYF returned 13.36%/yr vs -2.63%/yr for GIS. At a 0.11 correlation, their price movements are largely independent.
Performance
SYF vs. GIS - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, SYF achieves a -11.35% return, which is significantly higher than GIS's -23.47% return. Over the past 10 years, SYF has outperformed GIS with an annualized return of 13.36%, while GIS has yielded a comparatively lower -2.63% annualized return.
SYF
- 1D
- 1.42%
- 1M
- 5.09%
- YTD
- -11.35%
- 6M
- -12.19%
- 1Y
- 21.39%
- 3Y*
- 31.82%
- 5Y*
- 10.68%
- 10Y*
- 13.36%
GIS
- 1D
- 2.04%
- 1M
- 2.68%
- YTD
- -23.47%
- 6M
- -23.78%
- 1Y
- -33.38%
- 3Y*
- -21.38%
- 5Y*
- -7.83%
- 10Y*
- -2.63%
SYF vs. GIS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SYF Synchrony Financial | -11.35% | 30.64% | 74.01% | 19.76% | -27.43% | 36.40% | -0.08% | 57.48% | -37.84% | 8.35% |
GIS General Mills, Inc. | -23.47% | -23.75% | 1.45% | -19.97% | 28.09% | 18.53% | 13.60% | 43.13% | -31.57% | -0.65% |
Correlation
The correlation between SYF and GIS is 0.01, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.01 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.05 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.07 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.09 |
Correlation (All Time) Calculated using the full available price history since Jul 31, 2014 | 0.11 |
Fundamentals
SYF:
$25.38B
GIS:
$18.72B
SYF:
$9.85
GIS:
$4.08
SYF:
7.45
GIS:
8.45
SYF:
0.71
GIS:
3.64
SYF:
1.35
GIS:
1.02
SYF:
1.66
GIS:
2.00
SYF:
$19.92B
GIS:
$18.37B
SYF:
$12.16B
GIS:
$4.70B
SYF:
$4.94B
GIS:
$3.03B
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
SYF vs. GIS — Risk / Return Rank
SYF
GIS
SYF vs. GIS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Synchrony Financial (SYF) and General Mills, Inc. (GIS). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SYF | GIS | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.13 | ||
| Sortino ratioReturn per unit of downside risk | +3.11 | ||
| Omega ratioGain probability vs. loss probability | 1.15 | 0.77 | +0.38 |
| Calmar ratioReturn relative to maximum drawdown | 0.78 | -0.91 | +1.69 |
| Martin ratioReturn relative to average drawdown | 1.72 | -1.86 | +3.58 |
Loading charts...
Drawdowns
SYF vs. GIS - Drawdown Comparison
The maximum SYF drawdown since its inception was -66.37%, which is greater than GIS's maximum drawdown of -59.63%. Use the drawdown chart below to compare losses from any high point for SYF and GIS.
Loading charts...
Drawdown Indicators
| SYF | GIS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -66.37% | -59.63% | -6.74% |
Max Drawdown (1Y)Largest decline over 1 year | -27.61% | -36.85% | +9.24% |
Max Drawdown (3Y)Largest decline over 3 years | -37.75% | -55.32% | +17.57% |
Max Drawdown (5Y)Largest decline over 5 years | -46.65% | -59.63% | +12.98% |
Max Drawdown (10Y)Largest decline over 10 years | -66.37% | -59.63% | -6.74% |
Current DrawdownCurrent decline from peak | -16.40% | -56.70% | +40.30% |
Average DrawdownAverage peak-to-trough decline | -16.99% | -10.28% | -6.71% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.48% | 19.06% | -6.58% |
Volatility
SYF vs. GIS - Volatility Comparison
Synchrony Financial (SYF) has a higher volatility of 9.32% compared to General Mills, Inc. (GIS) at 6.25%. This indicates that SYF's price experiences larger fluctuations and is considered to be riskier than GIS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| SYF | GIS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 9.32% | 6.25% | +3.07% |
Volatility (6M)Calculated over the trailing 6-month period | 23.51% | 18.81% | +4.70% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.58% | 23.96% | +5.62% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 36.81% | 21.14% | +15.67% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 39.55% | 22.10% | +17.45% |
Dividends
SYF vs. GIS - Dividend Comparison
SYF's dividend yield for the trailing twelve months is around 1.64%, less than GIS's 7.07% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GIS General Mills, Inc. | 7.07% | 5.20% | 3.73% | 3.47% | 2.50% | 3.03% | 3.37% | 3.66% | 5.03% | 3.27% | 3.01% | 3.00% |
SYF Synchrony Financial | 1.64% | 1.38% | 1.54% | 2.51% | 2.74% | 1.90% | 2.54% | 2.39% | 3.07% | 1.45% | 0.72% | 0.00% |
Financials
SYF vs. GIS - Financials Comparison
This section allows you to compare key financial metrics between Synchrony Financial and General Mills, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
SYF vs. GIS - Profitability Comparison
SYF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Synchrony Financial reported a gross profit of 4.64B and revenue of 5.60B. Therefore, the gross margin over that period was 82.7%.
GIS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, General Mills, Inc. reported a gross profit of 0.00 and revenue of 4.44B. Therefore, the gross margin over that period was 0.0%.
SYF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Synchrony Financial reported an operating income of 914.00M and revenue of 5.60B, resulting in an operating margin of 16.3%.
GIS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, General Mills, Inc. reported an operating income of 524.60M and revenue of 4.44B, resulting in an operating margin of 11.8%.
SYF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Synchrony Financial reported a net income of 805.00M and revenue of 5.60B, resulting in a net margin of 14.4%.
GIS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, General Mills, Inc. reported a net income of 303.10M and revenue of 4.44B, resulting in a net margin of 6.8%.
Frequently Asked Questions
SYF and GIS have a correlation of 0.01, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SYF has higher volatility (9.32%) compared to GIS (6.25%). In terms of maximum drawdown, SYF dropped -66.37% vs GIS's -59.63%.
SYF currently has the higher Sharpe Ratio (0.73 vs -1.40), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for SYF and GIS
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer