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PayPal Holdings, Inc. (PYPL) vs Synchrony Financial (SYF)

PayPal Holdings, Inc. and Synchrony Financial are both Credit Services companies. PayPal Holdings, Inc. is the larger, with a market value of $49.0B against $23.1B — 2.1× the size. Synchrony Financial trades at the lower P/E: 7.7× against 11.2×. PayPal Holdings, Inc. grew revenue faster over the last twelve months: 4.36% against 0.48%. Synchrony Financial has the higher net margin (14.0% vs 13.8%) and the lower return on invested capital (15.4% vs 16.1%). Both pay a dividend; Synchrony Financial yields more (1.72% vs 0.95%). Across the 21 metrics below, Synchrony Financial leads on 11 and PayPal Holdings, Inc. on 10.

Valuation

Metric PYPL SYF Credit Services median
P/E 11.16 7.69 8.96
P/S 1.46 1.02 1.00
P/B 2.57 1.60 1.23
Price to free cash flow 7.92 2.49 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.96% 13.00% 7.17%
Free cash flow yield 12.62% 40.23% 11.75%

Profitability

Metric PYPL SYF Credit Services median
Gross margin 40.55% 83.22% 76.61%
Operating margin 16.99% 0.00% 0.34%
Net margin 13.78% 13.97% 8.35%
Free cash flow margin 18.43% 41.17% 8.73%
Return on equity 23.83% 21.14% 9.05%
Return on assets 5.86% 2.71% 1.94%
Return on invested capital 16.06% 15.44% 4.56%

Growth

Metric PYPL SYF Credit Services median
Revenue growth (TTM) 4.36% 0.48% 4.49%
EPS growth (last fiscal year) 35.59% 8.54% 21.94%
Revenue growth, 5-year CAGR 9.11% 7.02% 9.22%
Net income growth, 5-year CAGR 4.49% 20.90% 0.00%

Health

Metric PYPL SYF Credit Services median
Debt to equity 0.69 1.03 0.69
Current ratio 1.26 1.23 1.26
Net debt to EBITDA (0.06) 0.00 0.11

Dividend

Metric PYPL SYF Credit Services median
Dividend yield 0.95% 1.72% 1.64%
Payout ratio 0.11 0.13 0.21

Size

Metric PYPL SYF Credit Services median
Market cap 48.98b 23.07b 759.73m

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