Advertisement
R vs SYF
Which Stock Would AI Choose? Ryder System (R) vs. Synchrony Financial (SYF) Stock Comparison
Key Takeaways
- R has delivered stronger year-to-date (YTD) gains of 20.72% compared to SYF's 5.43%, reflecting robust recent momentum.
- SYF trades at a lower trailing price-to-earnings (P/E) ratio of 8.47 versus R's 19.19, suggesting relative value in consumer finance.
- Both stocks offer comparable dividend yields around 1.5%, appealing to income-focused investors.
- R's beta of 0.93 indicates lower volatility than SYF's 1.38, providing more stability in turbulent markets.
- Recent market activity shows R up approximately 16% over the past month amid logistics expansions and earnings anticipation.
- Imminent quarterly earnings for both could serve as key catalysts, with analysts expecting beats.
Introduction
Ryder System (R) and Synchrony Financial (SYF) represent distinct sectors—logistics and consumer finance—yet offer compelling comparisons for traders and investors navigating current market dynamics. R benefits from supply chain demands, while SYF taps consumer spending trends. This analysis contrasts their recent performance, valuations, and risk profiles, aiding decisions on relative strength, diversification, or sector rotation strategies amid earnings season and economic shifts. Investors seeking momentum versus value plays will find these insights particularly relevant in today's volatile environment.
R Overview and Recent Performance
Ryder System, Inc. (R) is a global logistics and transportation provider, operating through Fleet Management Solutions (FMS, full-service leasing and maintenance), Supply Chain Solutions (SCS, distribution and e-commerce fulfillment), and Dedicated Transportation Solutions (DTS, driver and fleet services). With a market capitalization of approximately $9.07 billion, R trades near its 52-week high of $231.49, recently closing at $230.07. In recent market activity, the stock has surged, posting YTD gains of 20.72% and 69.33% over one year, driven by solid earnings beats, logistics hub expansions like in Huntsville, and positive analyst updates such as Citigroup's Buy rating. Sentiment has strengthened on expectations of another earnings beat ahead of its April 23 report, bolstered by EPS of $11.99 (trailing twelve months) and a dividend yield of 1.56%.
SYF Overview and Recent Performance
Synchrony Financial (SYF) delivers consumer financial services, including private-label credit cards, co-branded cards, installment loans, and deposit products across retail, health, and digital sectors. Headquartered in Stamford, Connecticut, it boasts a $28.3 billion market cap and closed recently at $78.58. Recent weeks have seen shares rise amid partnerships like renewals with RH and Walmart, and expansions in pet insurance, contributing to YTD performance of 5.43% and 67.14% one-year gains. Trading below its 52-week high of $88.77, SYF benefits from anticipated Q1 earnings growth (EPS estimate $2.26), a low trailing P/E of 8.47, and 1.53% dividend yield, though higher beta signals greater sensitivity to market swings.
Trending AI Robots
Tickeron’s Trending AI Robots page curates over 25 top-performing AI trading bots from a library of 351, spotlighting those excelling in today's volatile conditions across stocks, ETFs, and crypto. These bots showcase impressive stats, including annualized returns from +15.50% to +167.82%, win rates of 53.91% to 87.72%, and profit factors up to 11.70, with trade durations spanning hours to weeks via swing, trend-following, and multi-agent strategies. Focused on high-momentum sectors like semiconductors (NVDA, AMD), industrials (ETN, PWR), and finance (GS, SCHW), they adapt to market shifts such as AI volatility and small-cap growth. Traders can copy these bots' signals for diverse styles and timeframes, potentially enhancing portfolios amid current trends—explore the page to identify suitable options.
Head-to-Head Comparison
R and SYF diverge in business models: R's asset-intensive logistics relies on freight volumes and leasing, exposing it to cyclical industrial demand, while SYF's fee-driven credit operations hinge on consumer spending and net interest income (NII, revenue from loans minus funding costs). Growth drivers contrast too—R leverages e-commerce fulfillment and expansions, versus SYF's retailer partnerships boosting purchase volumes.
Recent momentum favors R with superior short-term gains and stability (lower beta), while SYF offers cheaper valuation (lower P/E) but higher credit risks like net charge-offs (NCO, loan losses). Sector exposure pits industrials' supply chain resilience against financials' sensitivity to rates and delinquency trends. Market sentiment tilts positive for both pre-earnings, though R edges on consistency near peaks.
Tickeron AI Verdict
Tickeron’s AI currently favors R over SYF, based on superior trend consistency, YTD outperformance, lower volatility, and catalysts like expected earnings beats and logistics tailwinds. While SYF presents value appeal, R's relative positioning suggests higher probability of near-term upside in prevailing conditions.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is R is a Hold and SYF is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
R’s FA Score shows that 3 FA rating(s) are green whileSYF’s FA Score has 1 green FA rating(s).
- R’s FA Score: 3 green, 2 red.
- SYF’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
R’s TA Score shows that 3 TA indicator(s) are bullish while SYF’s TA Score has 5 bullish TA indicator(s).
- R’s TA Score: 3 bullish, 5 bearish.
- SYF’s TA Score: 5 bullish, 4 bearish.
Price Growth
R (@Finance/Rental/Leasing) experienced а -4.39% price change this week, while SYF (@Savings Banks) price change was +1.47% for the same time period.
The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.45%. For the same industry, the average monthly price growth was +11.61%, and the average quarterly price growth was +26.77%.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.17%. For the same industry, the average monthly price growth was +3.44%, and the average quarterly price growth was -4.05%.
Reported Earning Dates
R is expected to report earnings on Jul 23, 2026.
SYF is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Finance/Rental/Leasing (+0.45% weekly)A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).
@Savings Banks (-0.17% weekly)A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.
| R | SYF | R / SYF | |
| Capitalization | 10.3B | 25.5B | 40% |
| EBITDA | 3.31B | N/A | - |
| Gain YTD | 39.634 | -8.514 | -466% |
| P/E Ratio | 22.01 | 7.84 | 281% |
| Revenue | 12.7B | 15B | 85% |
| Total Cash | 182M | N/A | - |
| Total Debt | 8.72B | 16.4B | 53% |
R | SYF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 87 | 24 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 14 Undervalued | 59 Fair valued | |
PROFIT vs RISK RATING 1..100 | 4 | 38 | |
SMR RATING 1..100 | 52 | 5 | |
PRICE GROWTH RATING 1..100 | 39 | 48 | |
P/E GROWTH RATING 1..100 | 14 | 60 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
R's Valuation (14) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for SYF (59). This means that R’s stock grew somewhat faster than SYF’s over the last 12 months.
R's Profit vs Risk Rating (4) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for SYF (38). This means that R’s stock grew somewhat faster than SYF’s over the last 12 months.
SYF's SMR Rating (5) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for R (52). This means that SYF’s stock grew somewhat faster than R’s over the last 12 months.
R's Price Growth Rating (39) in the Finance Or Rental Or Leasing industry is in the same range as SYF (48). This means that R’s stock grew similarly to SYF’s over the last 12 months.
R's P/E Growth Rating (14) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for SYF (60). This means that R’s stock grew somewhat faster than SYF’s over the last 12 months.
| R | SYF | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 60% | N/A |
| Stochastic ODDS (%) | 2 days ago 80% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 61% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 60% | 2 days ago 68% |
| TrendWeek ODDS (%) | 2 days ago 52% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 73% | 2 days ago 66% |
| Advances ODDS (%) | 16 days ago 72% | 2 days ago 63% |
| Declines ODDS (%) | 6 days ago 50% | 23 days ago 67% |
| BollingerBands ODDS (%) | 2 days ago 50% | 2 days ago 63% |
| Aroon ODDS (%) | 2 days ago 65% | 2 days ago 68% |
Advertisement
SYF and
Correlation & Price change
A.I.dvisor indicates that over the last year, SYF has been closely correlated with COF. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then COF could also see price increases.