Synchrony Financial (SYF)vsUber Technologies Inc (UBER)
SYF
Synchrony Financial
$73.14
-1.16%
FINANCIAL SERVICES · Cap: $25.48B
UBER
Uber Technologies Inc
$75.45
-1.67%
TECHNOLOGY · Cap: $156.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Uber Technologies Inc generates 443% more annual revenue ($53.69B vs $9.89B). SYF leads profitability with a 36.4% profit margin vs 15.9%. SYF appears more attractively valued with a PEG of 2.22. SYF earns a higher WallStSmart Score of 77/100 (B+).
SYF
Strong Buy77
out of 100
Grade: B+
UBER
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for SYF.
Margin of Safety
+34.2%
Fair Value
$108.42
Current Price
$75.45
$32.97 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Every $100 of equity generates 35 in profit
Large-cap with strong market position
Generating 2.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Earnings declined 84.6%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : UBER
The strongest argument for UBER centers on Return on Equity, Market Cap, Free Cash Flow. Profitability is solid with margins at 15.9% and operating margin at 14.6%. Revenue growth of 14.5% demonstrates continued momentum.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Bear Case : UBER
The primary concerns for UBER are PEG Ratio, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
SYF carries more volatility with a beta of 1.36 — expect wider price swings.
UBER is growing revenue faster at 14.5% — sustainability is the question.
UBER generates stronger free cash flow (2.3B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SYF scores higher overall (77/100 vs 54/100), backed by strong 36.4% margins. UBER offers better value entry with a 34.2% 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.
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 →Uber Technologies Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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