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Side-by-side financial comparison of Synchrony Financial (SYF) and Union Pacific Corporation (UNP). Click either name above to swap in a different company.
Union Pacific Corporation is the larger business by last-quarter revenue ($6.2B vs $4.8B, roughly 1.3× Synchrony Financial). Union Pacific Corporation runs the higher net margin — 27.4% vs 15.8%, a 11.6% gap on every dollar of revenue. On growth, Synchrony Financial posted the faster year-over-year revenue change (3.7% vs 3.2%). Over the past eight quarters, Synchrony Financial's revenue compounded faster (4.0% CAGR vs 1.7%).
Synchrony Financial is an American consumer financial services company with its headquarters in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries and consumers through Synchrony Bank, its wholly owned online bank subsidiary.
The Union Pacific Railroad Company is a Class I freight-hauling railroad that operates 8,300 locomotives over 32,200 miles (51,800 km) routes in 23 U.S. states west of Chicago and New Orleans. Union Pacific is the second-largest railroad in the United States after BNSF.
SYF vs UNP — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $4.8B | $6.2B |
| Net Profit | $751.0M | $1.7B |
| Gross Margin | — | — |
| Operating Margin | 20.0% | 39.5% |
| Net Margin | 15.8% | 27.4% |
| Revenue YoY | 3.7% | 3.2% |
| Net Profit YoY | -3.0% | 4.6% |
| EPS (diluted) | $2.03 | $2.87 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $6.2B | ||
| Q4 25 | $4.8B | $6.1B | ||
| Q3 25 | $4.7B | $6.2B | ||
| Q2 25 | $4.5B | $6.2B | ||
| Q1 25 | $4.5B | $6.0B | ||
| Q4 24 | $4.6B | $6.1B | ||
| Q3 24 | $4.6B | $6.1B | ||
| Q2 24 | $4.4B | $6.0B |
| Q1 26 | — | $1.7B | ||
| Q4 25 | $751.0M | $1.8B | ||
| Q3 25 | $1.1B | $1.8B | ||
| Q2 25 | $967.0M | $1.9B | ||
| Q1 25 | $757.0M | $1.6B | ||
| Q4 24 | $774.0M | $1.8B | ||
| Q3 24 | $789.0M | $1.7B | ||
| Q2 24 | $643.0M | $1.7B |
| Q1 26 | — | 39.5% | ||
| Q4 25 | 20.0% | 39.5% | ||
| Q3 25 | 30.3% | 40.8% | ||
| Q2 25 | 27.8% | 41.0% | ||
| Q1 25 | 22.0% | 39.3% | ||
| Q4 24 | 21.2% | 41.3% | ||
| Q3 24 | 22.3% | 39.7% | ||
| Q2 24 | 19.2% | 40.0% |
| Q1 26 | — | 27.4% | ||
| Q4 25 | 15.8% | 30.4% | ||
| Q3 25 | 22.8% | 28.6% | ||
| Q2 25 | 21.4% | 30.5% | ||
| Q1 25 | 17.0% | 27.0% | ||
| Q4 24 | 16.9% | 28.8% | ||
| Q3 24 | 17.1% | 27.4% | ||
| Q2 24 | 14.6% | 27.9% |
| Q1 26 | — | $2.87 | ||
| Q4 25 | $2.03 | $3.12 | ||
| Q3 25 | $2.86 | $3.01 | ||
| Q2 25 | $2.50 | $3.15 | ||
| Q1 25 | $1.89 | $2.70 | ||
| Q4 24 | $1.92 | $2.91 | ||
| Q3 24 | $1.94 | $2.75 | ||
| Q2 24 | $1.55 | $2.74 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $15.0B | $735.0M |
| Total DebtLower is stronger | $15.2B | — |
| Stockholders' EquityBook value | $16.8B | — |
| Total Assets | $119.1B | $69.6B |
| Debt / EquityLower = less leverage | 0.91× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $735.0M | ||
| Q4 25 | $15.0B | $1.3B | ||
| Q3 25 | $16.2B | $808.0M | ||
| Q2 25 | $19.5B | $1.1B | ||
| Q1 25 | $21.6B | $1.4B | ||
| Q4 24 | $14.7B | $1.0B | ||
| Q3 24 | $17.9B | $947.0M | ||
| Q2 24 | $18.6B | $1.1B |
| Q1 26 | — | — | ||
| Q4 25 | $15.2B | $30.3B | ||
| Q3 25 | $14.4B | $30.3B | ||
| Q2 25 | $16.0B | $30.3B | ||
| Q1 25 | $17.0B | $30.6B | ||
| Q4 24 | $15.5B | $29.8B | ||
| Q3 24 | $15.6B | $29.8B | ||
| Q2 24 | $15.6B | $31.2B |
| Q1 26 | — | — | ||
| Q4 25 | $16.8B | $18.5B | ||
| Q3 25 | $17.1B | $17.3B | ||
| Q2 25 | $17.0B | $16.3B | ||
| Q1 25 | $16.6B | $16.0B | ||
| Q4 24 | $16.6B | $16.9B | ||
| Q3 24 | $16.0B | $16.6B | ||
| Q2 24 | $15.5B | $16.5B |
| Q1 26 | — | $69.6B | ||
| Q4 25 | $119.1B | $69.7B | ||
| Q3 25 | $117.0B | $68.6B | ||
| Q2 25 | $120.5B | $68.6B | ||
| Q1 25 | $122.0B | $68.5B | ||
| Q4 24 | $119.5B | $67.7B | ||
| Q3 24 | $119.2B | $67.6B | ||
| Q2 24 | $120.5B | $67.8B |
| Q1 26 | — | — | ||
| Q4 25 | 0.91× | 1.64× | ||
| Q3 25 | 0.85× | 1.75× | ||
| Q2 25 | 0.94× | 1.86× | ||
| Q1 25 | 1.03× | 1.91× | ||
| Q4 24 | 0.93× | 1.76× | ||
| Q3 24 | 0.98× | 1.79× | ||
| Q2 24 | 1.01× | 1.89× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.5B | — |
| Free Cash FlowOCF − Capex | — | $631.0M |
| FCF MarginFCF / Revenue | — | 10.1% |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 3.27× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $4.8B |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $2.5B | $2.2B | ||
| Q3 25 | $2.6B | $2.5B | ||
| Q2 25 | $2.6B | $2.3B | ||
| Q1 25 | $2.2B | $2.2B | ||
| Q4 24 | $2.4B | $2.7B | ||
| Q3 24 | $2.8B | $2.7B | ||
| Q2 24 | $2.5B | $1.9B |
| Q1 26 | — | $631.0M | ||
| Q4 25 | — | $1.2B | ||
| Q3 25 | — | $1.6B | ||
| Q2 25 | — | $1.4B | ||
| Q1 25 | — | $1.3B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.8B | ||
| Q2 24 | — | $1.0B |
| Q1 26 | — | 10.1% | ||
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 25.2% | ||
| Q2 25 | — | 22.7% | ||
| Q1 25 | — | 21.6% | ||
| Q4 24 | — | 28.4% | ||
| Q3 24 | — | 29.9% | ||
| Q2 24 | — | 16.8% |
| Q1 26 | — | — | ||
| Q4 25 | — | 16.4% | ||
| Q3 25 | — | 15.2% | ||
| Q2 25 | — | 15.2% | ||
| Q1 25 | — | 15.0% | ||
| Q4 24 | — | 15.1% | ||
| Q3 24 | — | 13.6% | ||
| Q2 24 | — | 15.0% |
| Q1 26 | — | — | ||
| Q4 25 | 3.27× | 1.20× | ||
| Q3 25 | 2.45× | 1.41× | ||
| Q2 25 | 2.65× | 1.24× | ||
| Q1 25 | 2.91× | 1.36× | ||
| Q4 24 | 3.04× | 1.51× | ||
| Q3 24 | 3.50× | 1.59× | ||
| Q2 24 | 3.86× | 1.14× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
SYF
Segment breakdown not available.
UNP
| Freight revenues | $5.9B | 95% |
| Other revenues | $324.0M | 5% |
