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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 $809.5B against $23.1B — 35.1× the size. Synchrony Financial trades at the lower P/E: 7.7× against 32.7×. Visa Inc. grew revenue faster over the last twelve months: 14.8% against 0.48%. Visa Inc. has the higher net margin (51.2% vs 14.0%) and the higher return on invested capital (40.4% vs 15.4%). Both pay a dividend; Synchrony Financial yields more (1.72% vs 0.63%). Across the 21 metrics below, Visa Inc. leads on 11 and Synchrony Financial on 10.

Valuation

Metric SYF V Credit Services median
P/E 7.69 32.72 8.96
P/S 1.02 16.55 1.00
P/B 1.60 21.33 1.23
Price to free cash flow 2.49 34.44 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.00% 3.06% 7.17%
Free cash flow yield 40.23% 2.90% 11.75%

Profitability

Metric SYF V Credit Services median
Gross margin 83.22% 100.00% 76.61%
Operating margin 0.00% 61.24% 0.34%
Net margin 13.97% 51.20% 8.35%
Free cash flow margin 41.17% 48.05% 8.73%
Return on equity 21.14% 64.60% 9.05%
Return on assets 2.71% 24.23% 1.94%
Return on invested capital 15.44% 40.41% 4.56%

Growth

Metric SYF V Credit Services median
Revenue growth (TTM) 0.48% 14.76% 4.49%
EPS growth (last fiscal year) 8.54% 14.07% 21.94%
Revenue growth, 5-year CAGR 7.02% 13.75% 9.22%
Net income growth, 5-year CAGR 20.90% 13.81% 0.00%

Health

Metric SYF V Credit Services median
Debt to equity 1.03 0.61 0.69
Current ratio 1.23 0.97 1.26
Net debt to EBITDA 0.00 0.25 0.11

Dividend

Metric SYF V Credit Services median
Dividend yield 1.72% 0.63% 1.64%
Payout ratio 0.13 0.22 0.21

Size

Metric SYF V Credit Services median
Market cap 23.07b 809.54b 759.73m

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