WallStSmart

Medallion Financial Corp (MFIN)vsSynchrony Financial (SYF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Synchrony Financial generates 2744% more annual revenue ($9.89B vs $347.76M). SYF leads profitability with a 36.4% profit margin vs 10.3%. MFIN appears more attractively valued with a PEG of 0.77. SYF earns a higher WallStSmart Score of 77/100 (B+).

MFIN

Buy

63

out of 100

Grade: C+

Growth: 4.7Profit: 7.0Value: 7.7Quality: 5.0

SYF

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 6.3Quality: 4.0
Piotroski: 5/9Altman Z: 0.03

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFIN4 strengths · Avg: 9.5/10
P/E RatioValuation
6.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
45.0%10/10

Strong operational efficiency at 45.0%

PEG RatioValuation
0.778/10

Growing faster than its price suggests

SYF6 strengths · Avg: 9.2/10
P/E RatioValuation
7.3x10/10

Attractively priced relative to earnings

Profit MarginProfitability
36.4%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
48.0%10/10

Strong operational efficiency at 48.0%

Return on EquityProfitability
21.8%9/10

Every $100 of equity generates 22 in profit

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
20.1%8/10

Earnings expanding 20.1% YoY

Areas to Watch

MFIN3 concerns · Avg: 2.3/10
Market CapQuality
$230.39M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-6.4%2/10

Revenue declined 6.4%

EPS GrowthGrowth
-60.0%2/10

Earnings declined 60.0%

SYF2 concerns · Avg: 3.0/10
PEG RatioValuation
2.144/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.032/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : MFIN

The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. 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 48.0%.

Bear Case : MFIN

The primary concerns for MFIN are Market Cap, Revenue Growth, EPS Growth.

Bear Case : SYF

The primary concerns for SYF are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

MFIN profiles as a declining stock while SYF is a mature play — different risk/reward profiles.

SYF carries more volatility with a beta of 1.36 — expect wider price swings.

SYF is growing revenue faster at 6.1% — sustainability is the question.

SYF generates stronger free cash flow (2.2B), providing more financial flexibility.

Bottom Line

SYF scores higher overall (77/100 vs 63/100), 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.

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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