BLK
BlackRock, Inc.
BLK offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
SYF
Synchrony Financial
SYF has a slight edge over BLK overall, supported by stronger valuation and stronger modeled upside.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
SYF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
SYF's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SYF.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK has the edge over SYF in the historical PE scenario, which offers more potential upside but is not a forecast.
SYF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.2x | $49.53 | -31% |
| Fair | 7x | $67.12 | -6.3% |
| Forward | 7.1x | $71.66 | — |
| Current | 7.5x | $71.66 | — |
| Expensive | 8.9x | $85.17 | +19% |
Historical ranges are pointers, not guarantees.
SYF's PE is in its fair range at 7.5x. If earnings grow as analysts expect, today's price would be 7.1x next year's earnings.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
SYF Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect SYF's earnings to grow and its profitability to improve, with its revenue holding steady.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
SYF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $10.03 | +4.8% |
| Q3 2026 | $9.57 | +4.4% |
| Q2 2026 | $9.75 | +18% |
| Q1 2026 | $9.66 | +32% |
| Q4 2025 | $9.28 | +8.5% |
| Q3 2025 | $9.17 | +20% |
| Q2 2025 | $8.25 | +14% |
| Q1 2025 | $7.30 | +4.6% |
| Q4 2024 | $8.55 | +65% |
SYF has the edge over BLK on earnings, with more consistent year-over-year improvement.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over SYF on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK has the edge over SYF on profitability, with a higher operating margin.
SYF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $4.9B | +1.4% |
| Q2 2026 | $4.7B | +2.3% |
| Q1 2026 | $4.8B | +3.4% |
| Q4 2025 | $4.9B | +3.5% |
| Q3 2025 | $4.8B | +2.5% |
| Q2 2025 | $4.6B | +2.6% |
| Q1 2025 | $4.6B | -17% |
| Q4 2024 | $4.7B | +4% |
SYF's revenue grew through 2024 and has held roughly level since: $4.9B last quarter, up 1.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 24% | -5.4 points |
| Q2 2026 | 25% | -2.1 points |
| Q1 2026 | 22% | +0.6 points |
| Q4 2025 | 19% | -1.1 points |
| Q3 2025 | 29% | +7.7 points |
| Q2 2025 | 27% | +8.4 points |
| Q1 2025 | 21% | -9.4 points |
| Q4 2024 | 21% | +8.7 points |
SYF's operating margin was 24% last quarter, down 5.4 points from the same quarter a year ago.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK has the edge over SYF on cash flow, with more consistent year-over-year improvement.
SYF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.5B | -5.3% |
| Q2 2026 | $2.4B | -5.5% |
| Q1 2026 | $2.2B | -0.8% |
| Q4 2025 | $2.5B | +4.3% |
| Q3 2025 | $2.6B | -4.6% |
| Q2 2025 | $2.6B | +3.1% |
| Q1 2025 | $2.2B | -2.1% |
| Q4 2024 | $2.4B | +1.6% |
SYF's free cash flow was $9.6B over the past year, down 2% from the year before. Free cash flow isn't a meaningful measure for financial services companies like SYF.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has 165M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
SYF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -3.5% | -11.7M shares |
| 1 year | -13% | -47.5M shares |
| 3 years | -23% | -96M shares |
| 5 years | -43% | -243M shares |
| Available history | -52% | -351M shares |
SYF has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $878M |
| Q1 2026 | $900M |
| Q4 2025 | $962M |
| Q3 2025 | $870M |
| Q2 2025 | $504M |
| Q1 2025 | $605M |
| Q4 2024 | $101M |
SYF spent $3.8B buying back its own shares over the past year, up 85% from the year before.
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has the edge over SYF on leverage, with a lower net debt burden relative to earnings.
SYF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.2x | Very low |
| Q2 2026 | 0.1x | Very low |
| Q1 2026 | -0.8x | Net Cash |
| Q4 2025 | 0.0x | Very low |
| Q3 2025 | -0.4x | Net Cash |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -1.1x | Net Cash |
| Q4 2024 | 0.2x | Very low |
SYF's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like SYF.
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
SYF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.1 | Neutral |
| Stochastic | 33.4 | Neutral |
SYF's weekly RSI is 44 (neutral) and its Stochastic is 33 (neutral).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
SYF PE vs Financial Services Sector
| Metric | SYF | Sector median | Relative |
|---|---|---|---|
| PE | 7.5x | 13x | 42% below |
| PE % | 58 | 63 | 5 pts below |
SYF has the edge over BLK on valuation relative to its sector.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK has the edge over SYF on trend strength, trading above more of its moving averages.
SYF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $73.2 | 2.1% below |
| 20 week MA | $75.2 | 4.8% below |
| 50 week MA | $75.0 | 4.4% below |
| 100 week MA | $70.1 | 2.2% above |
| 200 week MA | $55.1 | 30% above |
SYF has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 30% above its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has the edge over SYF on returns for 2026, with the stronger performance.
SYF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.3 | $34.0 | -6.4% |
| 2021 | $34.0 | $46.2 | +36% |
| 2022 | $46.2 | $32.8 | -29% |
| 2023 | $32.8 | $38.2 | +17% |
| 2024 | $38.2 | $65.9 | +73% |
| 2025 | $65.9 | $86.0 | +30% |
| 2026 YTD | $86.0 | $71.7 | -17% |
SYF has finished higher in four of the last six years. It's down 17% so far in 2026.