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Screener Weekly Summary Pricing

American Express Company (AXP) vs Synchrony Financial (SYF)

American Express Company and Synchrony Financial are both Credit Services companies. American Express Company is the larger, with a market value of $207.3B against $23.3B — 8.9× the size. Synchrony Financial trades at the lower P/E: 7.4× against 18.7×. American Express Company grew revenue faster over the last twelve months: 9.38% against 0.13%. Synchrony Financial has the higher net margin (14.8% vs 13.5%) and the lower return on invested capital (16.8% vs 20.0%). Both pay a dividend; Synchrony Financial yields more (2.63% vs 1.32%). Across the 20 metrics below, Synchrony Financial leads on 11 and American Express Company on 9.

Valuation

Metric AXP SYF Credit Services median
P/E 18.72 7.40 9.64
P/S 2.49 1.04 0.87
P/B 6.11 1.59 1.16
Price to free cash flow 13.92 2.49 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 2.63 1.05 2.32
Earnings yield 5.34% 13.52% 6.72%
Free cash flow yield 7.19% 40.12% 12.33%

Profitability

Metric AXP SYF Credit Services median
Gross margin 90.34% 83.05% 77.13%
Operating margin 0.00% 0.00% 0.34%
Net margin 13.45% 14.82% 9.25%
Free cash flow margin 17.90% 41.83% 13.03%
Return on equity 33.97% 22.23% 8.49%
Return on assets 3.75% 2.83% 2.29%
Return on invested capital 20.04% 16.83% 4.09%

Growth

Metric AXP SYF Credit Services median
Revenue growth (TTM) 9.38% 0.13% 4.62%
EPS growth (last fiscal year) 9.78% 8.54% —
Revenue growth, 5-year CAGR 16.08% 7.02% 9.13%
Net income growth, 5-year CAGR 28.65% 20.90% 0.00%

Health

Metric AXP SYF Credit Services median
Debt to equity 1.66 0.97 0.68
Current ratio 1.55 1.22 1.55
Net debt to EBITDA 0.00 0.00 0.13

Dividend

Metric AXP SYF Credit Services median
Dividend yield 1.32% 2.63% 3.34%
Payout ratio 0.23 0.17 0.00

Size

Metric AXP SYF Credit Services median
Market cap 207.31b 23.28b 872.19m

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