WallStSmart

Synchrony Financial (SYF)vsVertiv Holdings Co (VRT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Vertiv Holdings Co generates 5% more annual revenue ($10.23B vs $9.76B). SYF leads profitability with a 36.4% profit margin vs 13.0%. VRT appears more attractively valued with a PEG of 1.83. SYF earns a higher WallStSmart Score of 71/100 (B).

SYF

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 7.3Quality: 5.0
Piotroski: 5/9Altman Z: 0.03

VRT

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 4.7Quality: 6.3
Piotroski: 4/9Altman Z: 2.25
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SYFUndervalued (+59.2%)

Margin of Safety

+59.2%

Fair Value

$178.92

Current Price

$65.36

$113.56 discount

UndervaluedFair: $178.92Overvalued
VRTSignificantly Overvalued (-55.7%)

Margin of Safety

-55.7%

Fair Value

$159.59

Current Price

$251.07

$91.48 premium

UndervaluedFair: $159.59Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SYF6 strengths · Avg: 9.5/10
P/E RatioValuation
7.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
36.4%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
48.5%10/10

Strong operational efficiency at 48.5%

Return on EquityProfitability
21.3%9/10

Every $100 of equity generates 21 in profit

Free Cash FlowQuality
$2.45B8/10

Generating 2.5B in free cash flow

VRT4 strengths · Avg: 8.8/10
Return on EquityProfitability
41.8%10/10

Every $100 of equity generates 42 in profit

Market CapQuality
$103.64B9/10

Large-cap with strong market position

Operating MarginProfitability
21.2%8/10

Strong operational efficiency at 21.2%

Revenue GrowthGrowth
22.7%8/10

Revenue surging 22.7% year-over-year

Areas to Watch

SYF2 concerns · Avg: 2.0/10
PEG RatioValuation
3.272/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.032/10

Distress zone — elevated risk

VRT4 concerns · Avg: 3.0/10
PEG RatioValuation
1.834/10

Expensive relative to growth rate

EPS GrowthGrowth
2.0%4/10

2.0% earnings growth

P/E RatioValuation
79.4x2/10

Premium valuation, high expectations priced in

Price/BookValuation
24.4x2/10

Trading at 24.4x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : SYF

The strongest argument for SYF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.4% and operating margin at 48.5%.

Bull Case : VRT

The strongest argument for VRT centers on Return on Equity, Market Cap, Operating Margin. Revenue growth of 22.7% demonstrates continued momentum.

Bear Case : SYF

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

Bear Case : VRT

The primary concerns for VRT are PEG Ratio, EPS Growth, P/E Ratio. A P/E of 79.4x leaves little room for execution misses.

Key Dynamics to Monitor

SYF profiles as a value stock while VRT is a growth play — different risk/reward profiles.

VRT carries more volatility with a beta of 2.08 — expect wider price swings.

VRT is growing revenue faster at 22.7% — 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 67/100), backed by strong 36.4% margins. Both earn "Strong Buy" and "Strong 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.

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Vertiv Holdings Co

INDUSTRIALS · ELECTRICAL EQUIPMENT & PARTS · USA

Vertiv Holdings Co designs, manufactures and services critical digital infrastructure technologies and lifecycle services for data centers, communication networks, and commercial and industrial environments in the Americas, Asia Pacific, Europe, the Middle East, and Africa. The company is headquartered in Columbus, Ohio.

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