SYF vs. TXN
SYF (Synchrony Financial) and TXN (Texas Instruments Incorporated) are both stocks. SYF operates in Credit Services (Financial Services), while TXN operates in Semiconductors (Technology). Over the past 10 years, SYF returned 13.36%/yr vs 20.39%/yr for TXN. At a 0.42 correlation, their price movements are largely independent.
Performance
SYF vs. TXN - Performance Comparison
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Returns By Period
In the year-to-date period, SYF achieves a -11.35% return, which is significantly lower than TXN's 75.59% return. Over the past 10 years, SYF has underperformed TXN with an annualized return of 13.36%, while TXN has yielded a comparatively higher 20.39% 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%
TXN
- 1D
- 1.35%
- 1M
- -1.70%
- YTD
- 75.59%
- 6M
- 69.78%
- 1Y
- 55.05%
- 3Y*
- 22.83%
- 5Y*
- 12.97%
- 10Y*
- 20.39%
SYF vs. TXN - 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% |
TXN Texas Instruments Incorporated | 75.59% | -4.47% | 13.14% | 6.41% | -9.86% | 17.53% | 31.70% | 39.56% | -7.17% | 46.75% |
Correlation
The correlation between SYF and TXN is 0.35, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.35 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.38 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.43 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.43 |
Correlation (All Time) Calculated using the full available price history since Jul 31, 2014 | 0.42 |
Fundamentals
SYF:
$25.38B
TXN:
$275.22B
SYF:
$9.85
TXN:
$5.88
SYF:
7.45
TXN:
51.24
SYF:
1.35
TXN:
14.91
SYF:
1.66
TXN:
16.40
SYF:
$19.92B
TXN:
$18.44B
SYF:
$12.16B
TXN:
$10.57B
SYF:
$4.94B
TXN:
$8.21B
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Return for Risk
SYF vs. TXN — Risk / Return Rank
SYF
TXN
SYF vs. TXN - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Synchrony Financial (SYF) and Texas Instruments Incorporated (TXN). 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 | TXN | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.65 | ||
| Sortino ratioReturn per unit of downside risk | -1.08 | ||
| Omega ratioGain probability vs. loss probability | 1.15 | 1.30 | -0.15 |
| Calmar ratioReturn relative to maximum drawdown | 0.78 | 1.87 | -1.09 |
| Martin ratioReturn relative to average drawdown | 1.72 | 3.90 | -2.18 |
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Drawdowns
SYF vs. TXN - Drawdown Comparison
The maximum SYF drawdown since its inception was -66.37%, smaller than the maximum TXN drawdown of -85.81%. Use the drawdown chart below to compare losses from any high point for SYF and TXN.
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Drawdown Indicators
| SYF | TXN | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -66.37% | -85.81% | +19.44% |
Max Drawdown (1Y)Largest decline over 1 year | -27.61% | -29.57% | +1.96% |
Max Drawdown (3Y)Largest decline over 3 years | -37.75% | -33.41% | -4.34% |
Max Drawdown (5Y)Largest decline over 5 years | -46.65% | -33.41% | -13.24% |
Max Drawdown (10Y)Largest decline over 10 years | -66.37% | -33.41% | -32.96% |
Current DrawdownCurrent decline from peak | -16.40% | -7.32% | -9.08% |
Average DrawdownAverage peak-to-trough decline | -16.99% | -34.78% | +17.79% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.48% | 14.17% | -1.69% |
Volatility
SYF vs. TXN - Volatility Comparison
The current volatility for Synchrony Financial (SYF) is 9.32%, while Texas Instruments Incorporated (TXN) has a volatility of 14.23%. This indicates that SYF experiences smaller price fluctuations and is considered to be less risky than TXN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SYF | TXN | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 9.32% | 14.23% | -4.91% |
Volatility (6M)Calculated over the trailing 6-month period | 23.51% | 31.44% | -7.93% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.58% | 40.13% | -10.55% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 36.81% | 32.42% | +4.39% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 39.55% | 31.17% | +8.38% |
Dividends
SYF vs. TXN - Dividend Comparison
SYF's dividend yield for the trailing twelve months is around 1.64%, less than TXN's 1.87% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
TXN Texas Instruments Incorporated | 1.87% | 3.17% | 2.81% | 2.94% | 2.84% | 2.23% | 2.27% | 2.50% | 2.78% | 2.03% | 2.25% | 2.55% |
Financials
SYF vs. TXN - Financials Comparison
This section allows you to compare key financial metrics between Synchrony Financial and Texas Instruments Incorporated. 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. TXN - 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%.
TXN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Texas Instruments Incorporated reported a gross profit of 2.80B and revenue of 4.83B. Therefore, the gross margin over that period was 58.0%.
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%.
TXN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Texas Instruments Incorporated reported an operating income of 1.81B and revenue of 4.83B, resulting in an operating margin of 37.5%.
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%.
TXN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Texas Instruments Incorporated reported a net income of 1.55B and revenue of 4.83B, resulting in a net margin of 32.0%.
Frequently Asked Questions
SYF and TXN have a correlation of 0.35, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TXN has higher volatility (14.23%) compared to SYF (9.32%). In terms of maximum drawdown, SYF dropped -66.37% vs TXN's -85.81%.
TXN currently has the higher Sharpe Ratio (1.38 vs 0.73), 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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