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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 $746.4B against $24.1B — 31.0× the size. Synchrony Financial trades at the lower P/E: 7.5× against 33.0×. 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 (1.68% vs 0.67%). Across the 21 metrics below, Synchrony Financial leads on 11 and Visa Inc. on 10.

Valuation

Metric SYF V Credit Services median
P/E 7.47 32.97 9.39
P/S 1.05 16.12 0.86
P/B 1.61 20.69 1.16
Price to free cash flow 2.52 34.12 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.38% 3.03% 6.55%
Free cash flow yield 39.71% 2.93% 12.26%

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% 12.91%
Return on equity 22.23% 62.36% 8.49%
Return on assets 2.83% 23.22% 2.16%
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% 21.94%
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 1.68% 0.67% 1.64%
Payout ratio 0.13 0.23 0.22

Size

Metric SYF V Credit Services median
Market cap 24.09b 746.35b 751.08m

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