Green Dot Corporation (GDOT)vsSynchrony Financial (SYF)
GDOT
Green Dot Corporation
$11.17
-0.89%
FINANCIAL SERVICES · Cap: $626.25M
SYF
Synchrony Financial
$67.63
+0.54%
FINANCIAL SERVICES · Cap: $24.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 370% more annual revenue ($9.76B vs $2.07B). SYF leads profitability with a 36.4% profit margin vs -4.8%. GDOT appears more attractively valued with a PEG of 1.49. SYF earns a higher WallStSmart Score of 71/100 (B).
GDOT
Buy60
out of 100
Grade: C+
SYF
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for GDOT.
Margin of Safety
+59.2%
Fair Value
$178.92
Current Price
$67.63
$111.29 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Generating 2.5B in free cash flow
Areas to Watch
4.2% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
ROE of -11.2% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : GDOT
The strongest argument for GDOT centers on Price/Book, Debt/Equity. Revenue growth of 14.8% demonstrates continued momentum. PEG of 1.49 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 36.4% and operating margin at 48.5%.
Bear Case : GDOT
The primary concerns for GDOT are EPS Growth, Market Cap, Piotroski F-Score.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
GDOT profiles as a turnaround stock while SYF is a value play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.41 — expect wider price swings.
GDOT is growing revenue faster at 14.8% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (71/100 vs 60/100), backed by strong 36.4% 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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