Green Dot Corporation (GDOT)vsSynchrony Financial (SYF)
GDOT
Green Dot Corporation
$12.25
-4.22%
FINANCIAL SERVICES · Cap: $698.07M
SYF
Synchrony Financial
$72.94
+1.94%
FINANCIAL SERVICES · Cap: $24.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 333% more annual revenue ($9.91B vs $2.29B). SYF leads profitability with a 35.5% profit margin vs -1.1%. SYF appears more attractively valued with a PEG of 0.93. SYF earns a higher WallStSmart Score of 75/100 (B).
GDOT
Buy61
out of 100
Grade: C+
SYF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 97.9% YoY
Conservative balance sheet, low leverage
18.3% revenue growth
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 50.2%
Every $100 of equity generates 21 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Operating margin of 0.9%
Weak financial health signals
ROE of -2.8% — below average capital efficiency
0.6% revenue growth
3.6% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : GDOT
The strongest argument for GDOT centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 18.3% demonstrates continued momentum. PEG of 1.23 suggests the stock is reasonably priced for its growth.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 35.5% and operating margin at 50.2%. PEG of 0.93 suggests the stock is reasonably priced for its growth.
Bear Case : GDOT
The primary concerns for GDOT are Market Cap, Operating Margin, Piotroski F-Score.
Bear Case : SYF
The primary concerns for SYF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
GDOT profiles as a growth stock while SYF is a value play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.31 — expect wider price swings.
GDOT is growing revenue faster at 18.3% — sustainability is the question.
SYF generates stronger free cash flow (2.4B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (75/100 vs 61/100), backed by strong 35.5% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Green Dot Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Green Dot Corporation is a banking and fintech holding company in the United States. The company is headquartered in Pasadena, California.
Visit Website →Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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