Nokia Corp ADR (NOK)vsSynchrony Financial (SYF)
NOK
Nokia Corp ADR
$12.35
-6.37%
TECHNOLOGY · Cap: $74.25B
SYF
Synchrony Financial
$73.14
-1.16%
FINANCIAL SERVICES · Cap: $25.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Nokia Corp ADR generates 102% more annual revenue ($20.00B vs $9.89B). SYF leads profitability with a 36.4% profit margin vs 4.0%. NOK appears more attractively valued with a PEG of 1.15. SYF earns a higher WallStSmart Score of 77/100 (B+).
NOK
Hold40
out of 100
Grade: F
SYF
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+16.7%
Fair Value
$8.81
Current Price
$12.35
$3.54 discount
Intrinsic value data unavailable for SYF.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.0%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 20.1% YoY
Areas to Watch
2.4% revenue growth
Distress zone — elevated risk
ROE of 3.7% — below average capital efficiency
4.0% margin — thin
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NOK
The strongest argument for NOK centers on Market Cap, Debt/Equity, Price/Book. PEG of 1.15 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 : NOK
The primary concerns for NOK are Revenue Growth, Altman Z-Score, Return on Equity. A P/E of 83.1x leaves little room for execution misses. Thin 4.0% margins leave little buffer for downturns.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NOK profiles as a value 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 40/100), backed by strong 36.4% margins. NOK offers better value entry with a 16.7% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Nokia Corp ADR
TECHNOLOGY · COMMUNICATION EQUIPMENT · USA
Nokia Corporation offers fixed and mobile network solutions globally. The company is headquartered in Espoo, Finland.
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 COMMUNICATION EQUIPMENT Stocks
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