Synchrony Financial (SYF)vsVerizon Communications Inc (VZ)
SYF
Synchrony Financial
$73.14
-1.16%
FINANCIAL SERVICES · Cap: $25.48B
VZ
Verizon Communications Inc
$47.22
+0.28%
COMMUNICATION SERVICES · Cap: $196.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Verizon Communications Inc generates 1307% more annual revenue ($139.15B vs $9.89B). SYF leads profitability with a 36.4% profit margin vs 12.5%. VZ appears more attractively valued with a PEG of 0.89. SYF earns a higher WallStSmart Score of 77/100 (B+).
SYF
Strong Buy77
out of 100
Grade: B+
VZ
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for SYF.
Margin of Safety
-4.4%
Fair Value
$45.11
Current Price
$47.22
$2.11 premium
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
Attractively priced relative to earnings
Large-cap with strong market position
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 25.2%
Generating 3.8B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
2.9% revenue growth
4.3% earnings growth
Weak financial health signals
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 : VZ
The strongest argument for VZ centers on P/E Ratio, Market Cap, PEG Ratio. PEG of 0.89 suggests the stock is reasonably priced for its growth.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Bear Case : VZ
The primary concerns for VZ are Revenue Growth, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
SYF profiles as a mature stock while VZ is a value play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.36 — expect wider price swings.
SYF is growing revenue faster at 6.1% — sustainability is the question.
VZ generates stronger free cash flow (3.8B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (77/100 vs 68/100), 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.
Visit Website →Verizon Communications Inc
COMMUNICATION SERVICES · TELECOM SERVICES · USA
Verizon Communications Inc. is an American multinational telecommunications conglomerate and a corporate component of the Dow Jones Industrial Average. The company is headquartered at 1095 Avenue of the Americas in Midtown Manhattan, New York City, but is incorporated in Delaware.
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