WallStSmart

PPG Industries Inc (PPG)vsSynchrony Financial (SYF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PPG Industries Inc generates 63% more annual revenue ($16.12B vs $9.89B). SYF leads profitability with a 36.4% profit margin vs 9.8%. PPG appears more attractively valued with a PEG of 1.44. SYF earns a higher WallStSmart Score of 77/100 (B+).

PPG

Buy

60

out of 100

Grade: C+

Growth: 4.7Profit: 6.5Value: 7.3Quality: 5.5
Piotroski: 5/9

SYF

Strong Buy

77

out of 100

Grade: B+

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PPGUndervalued (+16.0%)

Margin of Safety

+16.0%

Fair Value

$155.95

Current Price

$109.61

$46.34 discount

UndervaluedFair: $155.95Overvalued

Intrinsic value data unavailable for SYF.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PPG2 strengths · Avg: 8.5/10
Return on EquityProfitability
20.7%9/10

Every $100 of equity generates 21 in profit

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

SYF6 strengths · Avg: 9.2/10
P/E RatioValuation
7.8x10/10

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
1.7x8/10

Reasonable price relative to book value

EPS GrowthGrowth
20.1%8/10

Earnings expanding 20.1% YoY

Areas to Watch

PPG2 concerns · Avg: 3.0/10
EPS GrowthGrowth
4.2%4/10

4.2% earnings growth

Free Cash FlowQuality
$-163.00M2/10

Negative free cash flow — burning cash

SYF2 concerns · Avg: 3.0/10
PEG RatioValuation
2.224/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.032/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : PPG

The strongest argument for PPG centers on Return on Equity, P/E Ratio. PEG of 1.44 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 : PPG

The primary concerns for PPG are EPS Growth, Free Cash Flow.

Bear Case : SYF

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

Key Dynamics to Monitor

PPG 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.

PPG is growing revenue faster at 6.7% — 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 60/100), backed by strong 36.4% margins. PPG offers better value entry with a 16.0% margin of safety. 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.

PPG Industries Inc

BASIC MATERIALS · SPECIALTY CHEMICALS · USA

PPG Industries, Inc. is an American Fortune 500 company and global supplier of paints, coatings, and specialty materials. With headquarters in Pittsburgh, Pennsylvania, PPG operates in more than 70 countries around the globe.

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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