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Screener Weekly Summary Pricing

Synchrony Financial (SYF) vs Visa Inc. (V)

Synchrony Financial and Visa Inc. are both Credit Services companies. Visa Inc. is the larger, with a market value of $686.4B against $23.3B — 29.5× the size. Synchrony Financial trades at the lower P/E: 7.4× against 30.1×. Visa Inc. grew revenue faster over the last twelve months: 14.4% against 0.13%. Visa Inc. has the higher net margin (50.8% vs 14.8%) and the higher return on invested capital (38.0% vs 16.8%). Both pay a dividend; Synchrony Financial yields more (2.63% vs 0.78%). Across the 22 metrics below, Synchrony Financial leads on 12 and Visa Inc. on 10.

Valuation

Metric SYF V Credit Services median
P/E 7.40 30.09 9.64
P/S 1.04 14.71 0.87
P/B 1.59 18.88 1.16
Price to free cash flow 2.49 31.14 2.99
EV/EBITDA n/m 23.41 9.58
EV/Sales 1.05 14.91 2.32
Earnings yield 13.52% 3.32% 6.72%
Free cash flow yield 40.12% 3.21% 12.33%

Profitability

Metric SYF V Credit Services median
Gross margin 83.05% 100.00% 77.13%
Operating margin 0.00% 60.68% 0.34%
Net margin 14.82% 50.78% 9.25%
Free cash flow margin 41.83% 47.23% 13.03%
Return on equity 22.23% 62.36% 8.49%
Return on assets 2.83% 23.22% 2.29%
Return on invested capital 16.83% 38.04% 4.09%

Growth

Metric SYF V Credit Services median
Revenue growth (TTM) 0.13% 14.39% 4.62%
EPS growth (last fiscal year) 8.54% 4.83% —
Revenue growth, 5-year CAGR 7.02% 12.86% 9.13%
Net income growth, 5-year CAGR 20.90% 13.04% 0.00%

Health

Metric SYF V Credit Services median
Debt to equity 0.97 0.68 0.68
Current ratio 1.22 0.99 1.55
Net debt to EBITDA 0.00 0.13 0.13

Dividend

Metric SYF V Credit Services median
Dividend yield 2.63% 0.78% 3.34%
Payout ratio 0.17 0.22 0.00

Size

Metric SYF V Credit Services median
Market cap 23.28b 686.42b 872.19m

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