SYF vs. T
SYF (Synchrony Financial) and T (AT&T Inc.) are both stocks. SYF operates in Credit Services (Financial Services), while T operates in Telecom Services (Communication Services). Over the past 10 years, SYF returned 12.56%/yr vs 2.10%/yr for T. At a 0.29 correlation, their price movements are largely independent.
Performance
SYF vs. T - Performance Comparison
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Returns By Period
In the year-to-date period, SYF achieves a -11.29% return, which is significantly lower than T's -7.04% return. Over the past 10 years, SYF has outperformed T with an annualized return of 12.56%, while T has yielded a comparatively lower 2.10% annualized return.
SYF
- 1D
- -0.29%
- 1M
- -2.46%
- 6M
- -7.71%
- YTD
- -11.29%
- 1Y
- 6.56%
- 3Y*
- 31.18%
- 5Y*
- 11.73%
- 10Y*
- 12.56%
- ALL TIME*
- 12.35%
T
- 1D
- 0.64%
- 1M
- 2.62%
- 6M
- -2.84%
- YTD
- -7.04%
- 1Y
- -13.37%
- 3Y*
- 20.93%
- 5Y*
- 7.13%
- 10Y*
- 2.10%
- ALL TIME*
- 9.35%
SYF vs. T - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SYF Synchrony Financial | -11.29% | 30.64% | 74.01% | 19.76% | -27.43% | 36.40% | -0.08% | 57.48% | -37.84% | 8.35% |
T AT&T Inc. | -7.04% | 13.97% | 44.08% | -2.74% | 5.76% | -8.09% | -21.37% | 45.55% | -22.25% | -4.01% |
Correlation
The correlation between SYF and T is -0.03, 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 | -0.03 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.06 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.22 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.30 |
Correlation (All Time) Calculated using the full available price history since Jul 31, 2014 | 0.29 |
The correlation between SYF and T shifts across timeframes, from -0.03 (1 year) to 0.30 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
SYF:
$24.69B
T:
$152.52B
SYF:
$9.97
T:
$3.05
SYF:
7.36
T:
7.19
SYF:
0.70
T:
0.30
SYF:
1.33
T:
1.25
SYF:
$19.92B
T:
$125.65B
SYF:
$12.16B
T:
$105.41B
SYF:
$4.94B
T:
$54.70B
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Return for Risk
SYF vs. T — Risk / Return Rank
SYF
T
SYF vs. T - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Synchrony Financial (SYF) and AT&T Inc. (T). 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 | T | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.78 | ||
| Sortino ratioReturn per unit of downside risk | +1.14 | ||
| Omega ratioGain probability vs. loss probability | 1.07 | 0.92 | +0.14 |
| Calmar ratioReturn relative to maximum drawdown | 0.24 | -0.46 | +0.70 |
| Martin ratioReturn relative to average drawdown | 0.49 | -1.03 | +1.53 |
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Drawdowns
SYF vs. T - Drawdown Comparison
The maximum SYF drawdown since its inception was -66.37%, roughly equal to the maximum T drawdown of -64.15%. Use the drawdown chart below to compare losses from any high point for SYF and T.
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Drawdown Indicators
| SYF | T | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -66.37% | -64.15% | -2.22% |
Max Drawdown (1Y)Largest decline over 1 year | -27.61% | -28.89% | +1.28% |
Max Drawdown (3Y)Largest decline over 3 years | -37.75% | -28.89% | -8.86% |
Max Drawdown (5Y)Largest decline over 5 years | -46.65% | -32.01% | -14.64% |
Max Drawdown (10Y)Largest decline over 10 years | -66.37% | -42.35% | -24.02% |
Current DrawdownCurrent decline from peak | -16.35% | -21.57% | +5.22% |
Average DrawdownAverage peak-to-trough decline | -16.97% | -15.74% | -1.23% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 13.29% | 12.94% | +0.35% |
Volatility
SYF vs. T - Volatility Comparison
Synchrony Financial (SYF) has a higher volatility of 12.90% compared to AT&T Inc. (T) at 9.59%. This indicates that SYF's price experiences larger fluctuations and is considered to be riskier than T based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SYF | T | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 12.90% | 9.59% | +3.31% |
Volatility (6M)Calculated over the trailing 6-month period | 24.71% | 19.91% | +4.80% |
Volatility (1Y)Calculated over the trailing 1-year period | 31.26% | 23.72% | +7.54% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 36.88% | 24.38% | +12.50% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 39.39% | 23.92% | +15.47% |
Dividends
SYF vs. T - Dividend Comparison
SYF's dividend yield for the trailing twelve months is around 1.63%, less than T's 6.58% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SYF Synchrony Financial | 1.63% | 1.38% | 1.54% | 2.51% | 2.74% | 1.90% | 2.54% | 2.39% | 3.07% | 1.45% | 0.72% | 0.00% |
T AT&T Inc. | 6.58% | 4.47% | 4.87% | 6.62% | 6.66% | 8.46% | 7.23% | 5.22% | 7.01% | 5.04% | 4.51% | 5.46% |
Financials
SYF vs. T - Financials Comparison
This section allows you to compare key financial metrics between Synchrony Financial and AT&T 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
Frequently Asked Questions
SYF and T have a correlation of -0.03, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SYF has higher volatility (12.90%) compared to T (9.59%). In terms of maximum drawdown, SYF dropped -66.37% vs T's -64.15%.
SYF currently has the higher Sharpe Ratio (0.21 vs -0.57), 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.
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