SUI Group Holdings Limited (SUIG)vsSynchrony Financial (SYF)
SUIG
SUI Group Holdings Limited
$1.39
+2.21%
FINANCIAL SERVICES · Cap: $198.85M
SYF
Synchrony Financial
$67.63
+0.54%
FINANCIAL SERVICES · Cap: $24.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 295009% more annual revenue ($9.76B vs $3.31M). SUIG leads profitability with a 45.4% profit margin vs 36.4%. SYF trades at a lower P/E of 7.3x. SYF earns a higher WallStSmart Score of 71/100 (B).
SUIG
Buy56
out of 100
Grade: C
SYF
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+88.8%
Fair Value
$11.23
Current Price
$1.39
$9.84 discount
Margin of Safety
+59.2%
Fair Value
$178.92
Current Price
$67.63
$111.29 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 66.6%
Earnings expanding 83.3% YoY
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Generating 2.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.6% — below average capital efficiency
Weak financial health signals
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SUIG
The strongest argument for SUIG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 45.4% and operating margin at 66.6%.
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 48.5%.
Bear Case : SUIG
The primary concerns for SUIG are Market Cap, Return on Equity, Piotroski F-Score.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
SUIG profiles as a mature stock while SYF is a value play — different risk/reward profiles.
SUIG carries more volatility with a beta of 1.68 — expect wider price swings.
SUIG is growing revenue faster at 6.7% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (71/100 vs 56/100), backed by strong 36.4% margins. SUIG offers better value entry with a 88.8% 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.
SUI Group Holdings Limited
FINANCIAL SERVICES · CREDIT SERVICES · USA
SUI Group Holdings Limited is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, or growth. The company is headquartered in Wayzata, Minnesota.
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
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