Nelnet Inc (NNI)vsSynchrony Financial (SYF)
NNI
Nelnet Inc
$126.69
+0.72%
FINANCIAL SERVICES · Cap: $4.49B
SYF
Synchrony Financial
$75.88
-0.15%
FINANCIAL SERVICES · Cap: $25.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 566% more annual revenue ($9.91B vs $1.49B). SYF leads profitability with a 35.5% profit margin vs 20.3%. NNI appears more attractively valued with a PEG of 0.46. SYF earns a higher WallStSmart Score of 75/100 (B).
NNI
Buy56
out of 100
Grade: C
SYF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
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
Elevated debt levels
Revenue declined 30.5%
Earnings declined 62.8%
Distress zone — elevated risk
0.6% revenue growth
3.6% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NNI
The strongest argument for NNI centers on PEG Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 20.3% and operating margin at 18.2%. PEG of 0.46 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 0.99 suggests the stock is reasonably priced for its growth.
Bear Case : NNI
The primary concerns for NNI are Debt/Equity, Revenue Growth, EPS Growth. Debt-to-equity of 1.87 is elevated, increasing financial risk.
Bear Case : SYF
The primary concerns for SYF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
NNI profiles as a declining 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.
SYF is growing revenue faster at 0.6% — 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 56/100), 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.
Nelnet Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Nelnet, Inc. is engaged in the loan management, communications and educational technology, services and payment processing businesses globally. The company is headquartered in Lincoln, Nebraska.
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
Want to dig deeper into these stocks?