Live Report · Updated January 26, 2026

Synchrony vs Nomura

Synchrony and Nomura are examined side by side to show how their business models, financial performance, and market context compare. This page presents a neutral, accessible overview of each firm’s strategy, earnings focus, client base, and industry environment without endorsement. Educational content, not financial advice.

Synchrony and Nomura are examined side by side to show how their business models, financial performance, and market context compare. This page presents a neutral, accessible overview of each firm’s st...

Comparison Snapshot

Key Financial Metrics

SYF

Metric

NMR

$27.92B

Market Cap

$28.14B

19.95%

Potential Profit

-1.52%

Buy

Analyst Rating

Hold

Why It's Moving

Synchrony Gears Up for Q4 Earnings Reveal as Strategic Partnerships Signal Expansion Momentum

Renewed partnership with METUS expands flexible HVAC financing options, tapping into rising demand for home comfort upgrades.
New credit card launch with The Toro Company targets lawn equipment buyers, widening Synchrony's retail financing footprint.
CareCredit integration with Clover App Market accelerates growth by enabling seamless financing for health and wellness providers.

Sentiment:

🐃Bullish

Synchrony Gears Up for Q4 Earnings Reveal as Strategic Partnerships Signal Expansion Momentum

Renewed partnership with METUS expands flexible HVAC financing options, tapping into rising demand for home comfort upgrades.
New credit card launch with The Toro Company targets lawn equipment buyers, widening Synchrony's retail financing footprint.
CareCredit integration with Clover App Market accelerates growth by enabling seamless financing for health and wellness providers.

Sentiment:

🐃Bullish

Investment Analysis

Synchrony

SYF

Pros

Synchrony Financial delivered robust earnings in Q3 2025, significantly exceeding analyst expectations for both EPS and revenue.
The company maintains a strong return on tangible common equity and has expanded its partnerships with major retailers, supporting loan growth.
Synchrony's credit quality remains solid, with better-than-expected delinquency rates and net charge-offs, reducing loan loss provisions.

Considerations

Loan growth has started to slow as consumers become more cautious, limiting near-term expansion potential.
Elevated funding costs and persistent high interest rates are pressuring net interest margins.
The stock's valuation already reflects much of its credit stability, leaving limited upside if economic conditions worsen.

Nomura

NMR

Pros

Nomura Holdings benefits from a diversified business model spanning retail, wholesale, and asset management operations.
The company maintains a strong capital position and has demonstrated resilience in volatile market conditions.
Nomura continues to invest in digital transformation and international expansion, supporting long-term growth prospects.

Considerations

Nomura's profitability remains sensitive to global market volatility and interest rate fluctuations.
The company faces stiff competition in both domestic and international markets, constraining margin expansion.
Recent regulatory scrutiny and compliance costs have increased operational risks and expenses.

Related Market Insights

When the Fed Holds Steady: Finding Winners in High-Rate Territory

Discover how to invest in companies thriving when the Fed holds high interest rates. Explore financial services & BDCs on Nemo, the ADGM-regulated platform.