Medallion Financial Corp (MFIN)vsSynchrony Financial (SYF)
MFIN
Medallion Financial Corp
$8.47
-3.09%
FINANCIAL SERVICES · Cap: $195.12M
SYF
Synchrony Financial
$67.63
+0.54%
FINANCIAL SERVICES · Cap: $24.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 2661% more annual revenue ($9.76B vs $353.31M). SYF leads profitability with a 36.4% profit margin vs 12.2%. MFIN appears more attractively valued with a PEG of 0.77. MFIN earns a higher WallStSmart Score of 75/100 (B).
MFIN
Strong Buy75
out of 100
Grade: B
SYF
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+82.3%
Fair Value
$58.24
Current Price
$8.47
$49.77 discount
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 48.0%
Growing faster than its price suggests
18.6% revenue growth
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
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MFIN
The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. Revenue growth of 18.6% demonstrates continued momentum. PEG of 0.77 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 : MFIN
The primary concerns for MFIN are Market Cap.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
MFIN profiles as a growth 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.
MFIN is growing revenue faster at 18.6% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
MFIN scores higher overall (75/100 vs 71/100) and 18.6% revenue growth. SYF offers better value entry with a 59.2% margin of safety. Both earn "Strong Buy" and "Strong 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.
Medallion Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Medallion Financial Corp. The company is headquartered in New York City, New York.
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.
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