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Mastercard Incorporated (MA) vs Synchrony Financial (SYF)

Mastercard Incorporated and Synchrony Financial are both Credit Services companies. Mastercard Incorporated is the larger, with a market value of $539.9B against $24.1B — 22.4× the size. Synchrony Financial trades at the lower P/E: 7.5× against 33.9×. Mastercard Incorporated grew revenue faster over the last twelve months: 16.0% against 0.13%. Mastercard Incorporated has the higher net margin (46.3% vs 14.8%) and the higher return on invested capital (70.5% vs 16.8%). Both pay a dividend; Synchrony Financial yields more (1.68% vs 0.56%). Across the 21 metrics below, Synchrony Financial leads on 11 and Mastercard Incorporated on 10.

Valuation

Metric MA SYF Credit Services median
P/E 33.91 7.47 9.39
P/S 15.52 1.05 0.86
P/B 97.14 1.61 1.16
Price to free cash flow 34.09 2.52 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.95% 13.38% 6.55%
Free cash flow yield 2.93% 39.71% 12.26%

Profitability

Metric MA SYF Credit Services median
Gross margin 100.00% 83.05% 77.13%
Operating margin 58.33% 0.00% 0.34%
Net margin 46.34% 14.82% 9.25%
Free cash flow margin 45.53% 41.83% 12.91%
Return on equity 241.20% 22.23% 8.49%
Return on assets 29.80% 2.83% 2.16%
Return on invested capital 70.46% 16.83% 4.09%

Growth

Metric MA SYF Credit Services median
Revenue growth (TTM) 16.01% 0.13% 4.62%
EPS growth (last fiscal year) 18.93% 8.54% 21.94%
Revenue growth, 5-year CAGR 16.47% 7.02% 9.13%
Net income growth, 5-year CAGR 18.48% 20.90% 0.00%

Health

Metric MA SYF Credit Services median
Debt to equity 4.40 0.97 0.68
Current ratio 1.06 1.22 1.55
Net debt to EBITDA 0.34 0.00 0.13

Dividend

Metric MA SYF Credit Services median
Dividend yield 0.56% 1.68% 1.64%
Payout ratio 0.19 0.13 0.22

Size

Metric MA SYF Credit Services median
Market cap 539.90b 24.09b 751.08m

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