UL vs. SYF
UL (The Unilever Group) and SYF (Synchrony Financial) are both stocks. UL operates in Household & Personal Products (Consumer Defensive), while SYF operates in Credit Services (Financial Services). Over the past 10 years, UL returned 5.33%/yr vs 13.36%/yr for SYF. At a 0.19 correlation, their price movements are largely independent.
Performance
UL vs. SYF - Performance Comparison
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Returns By Period
In the year-to-date period, UL achieves a -8.35% return, which is significantly higher than SYF's -11.35% return. Over the past 10 years, UL has underperformed SYF with an annualized return of 5.33%, while SYF has yielded a comparatively higher 13.36% annualized return.
UL
- 1D
- 1.03%
- 1M
- 3.45%
- YTD
- -8.35%
- 6M
- -7.70%
- 1Y
- -14.93%
- 3Y*
- 5.05%
- 5Y*
- 0.66%
- 10Y*
- 5.33%
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%
UL vs. SYF - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UL The Unilever Group | -8.35% | 5.96% | 20.90% | -0.17% | -2.82% | -7.61% | 9.04% | 12.88% | -2.34% | 40.15% |
SYF Synchrony Financial | -11.35% | 30.64% | 74.01% | 19.76% | -27.43% | 36.40% | -0.08% | 57.48% | -37.84% | 8.35% |
Correlation
The correlation between UL and SYF is 0.14, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.14 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.08 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.15 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.17 |
Correlation (All Time) Calculated using the full available price history since Jul 31, 2014 | 0.19 |
The correlation between UL and SYF shifts across timeframes, from 0.08 (3 years) to 0.19 (all time), reflecting how their relationship changes across market environments.
Fundamentals
UL:
$129.35B
SYF:
$25.38B
UL:
€5.06
SYF:
$9.85
UL:
10.06
SYF:
7.45
UL:
1.97
SYF:
0.71
UL:
1.09
SYF:
1.35
UL:
7.20
SYF:
1.66
UL:
€109.27B
SYF:
$19.92B
UL:
€90.89B
SYF:
$12.16B
UL:
€24.12B
SYF:
$4.94B
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Return for Risk
UL vs. SYF — Risk / Return Rank
UL
SYF
UL vs. SYF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for The Unilever Group (UL) and Synchrony Financial (SYF). 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.
| UL | SYF | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.42 | ||
| Sortino ratioReturn per unit of downside risk | -1.97 | ||
| Omega ratioGain probability vs. loss probability | 0.90 | 1.15 | -0.25 |
| Calmar ratioReturn relative to maximum drawdown | -0.60 | 0.78 | -1.38 |
| Martin ratioReturn relative to average drawdown | -1.23 | 1.72 | -2.95 |
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Drawdowns
UL vs. SYF - Drawdown Comparison
The maximum UL drawdown since its inception was -53.55%, smaller than the maximum SYF drawdown of -66.37%. Use the drawdown chart below to compare losses from any high point for UL and SYF.
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Drawdown Indicators
| UL | SYF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -53.55% | -66.37% | +12.82% |
Max Drawdown (1Y)Largest decline over 1 year | -25.09% | -27.61% | +2.52% |
Max Drawdown (3Y)Largest decline over 3 years | -25.09% | -37.75% | +12.66% |
Max Drawdown (5Y)Largest decline over 5 years | -26.53% | -46.65% | +20.12% |
Max Drawdown (10Y)Largest decline over 10 years | -30.13% | -66.37% | +36.24% |
Current DrawdownCurrent decline from peak | -19.64% | -16.40% | -3.24% |
Average DrawdownAverage peak-to-trough decline | -10.61% | -16.99% | +6.38% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.20% | 12.48% | -0.28% |
Volatility
UL vs. SYF - Volatility Comparison
The current volatility for The Unilever Group (UL) is 6.11%, while Synchrony Financial (SYF) has a volatility of 9.32%. This indicates that UL experiences smaller price fluctuations and is considered to be less risky than SYF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UL | SYF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.11% | 9.32% | -3.21% |
Volatility (6M)Calculated over the trailing 6-month period | 16.78% | 23.51% | -6.73% |
Volatility (1Y)Calculated over the trailing 1-year period | 21.50% | 29.58% | -8.08% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 20.87% | 36.81% | -15.94% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 21.61% | 39.55% | -17.94% |
Dividends
UL vs. SYF - Dividend Comparison
UL's dividend yield for the trailing twelve months is around 3.87%, more than SYF's 1.64% 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% |
UL The Unilever Group | 3.87% | 3.51% | 3.29% | 3.83% | 3.57% | 3.77% | 3.07% | 3.18% | 3.49% | 2.80% | 3.42% | 3.02% |
Financials
UL vs. SYF - Financials Comparison
This section allows you to compare key financial metrics between The Unilever Group and Synchrony Financial. 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
UL vs. SYF - Profitability Comparison
UL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, The Unilever Group reported a gross profit of 0.00 and revenue of 18.38B. Therefore, the gross margin over that period was 0.0%.
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%.
UL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, The Unilever Group reported an operating income of 4.13B and revenue of 18.38B, resulting in an operating margin of 22.5%.
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%.
UL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, The Unilever Group reported a net income of 2.56B and revenue of 18.38B, resulting in a net margin of 14.0%.
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%.
Frequently Asked Questions
UL and SYF have a correlation of 0.14, 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 UL (6.11%). In terms of maximum drawdown, UL dropped -53.55% vs SYF's -66.37%.
SYF currently has the higher Sharpe Ratio (0.73 vs -0.70), 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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