CPI Card Group Inc (PMTS)vsSynchrony Financial (SYF)
PMTS
CPI Card Group Inc
$22.50
-16.48%
FINANCIAL SERVICES · Cap: $310.64M
SYF
Synchrony Financial
$75.88
-0.15%
FINANCIAL SERVICES · Cap: $25.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 1587% more annual revenue ($9.91B vs $587.31M). SYF leads profitability with a 35.5% profit margin vs 2.3%. PMTS appears more attractively valued with a PEG of 0.57. SYF earns a higher WallStSmart Score of 75/100 (B).
PMTS
Buy57
out of 100
Grade: C
SYF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 325.0% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
15.0% revenue growth
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
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
2.3% margin — thin
Weak financial health signals
0.6% revenue growth
3.6% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PMTS
The strongest argument for PMTS centers on EPS Growth, Debt/Equity, PEG Ratio. Revenue growth of 15.0% demonstrates continued momentum. PEG of 0.57 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 : PMTS
The primary concerns for PMTS are Market Cap, Return on Equity, Profit Margin. Thin 2.3% margins leave little buffer for downturns.
Bear Case : SYF
The primary concerns for SYF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
SYF carries more volatility with a beta of 1.31 — expect wider price swings.
PMTS is growing revenue faster at 15.0% — sustainability is the question.
SYF generates stronger free cash flow (2.4B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SYF scores higher overall (75/100 vs 57/100), 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.
CPI Card Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
CPI Card Group Inc. is dedicated to the design, production, data personalization, packaging and fulfillment of financial payment cards. The company is headquartered in Littleton, Colorado.
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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