Synchrony Financial (SYF)vsWells Fargo & Company (WFC)
SYF
Synchrony Financial
$66.19
+1.04%
FINANCIAL SERVICES · Cap: $23.84B
WFC
Wells Fargo & Company
$77.60
+0.88%
FINANCIAL SERVICES · Cap: $243.59B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 720% more annual revenue ($80.04B vs $9.76B). SYF leads profitability with a 36.4% profit margin vs 26.7%. WFC appears more attractively valued with a PEG of 1.66. WFC earns a higher WallStSmart Score of 72/100 (B).
SYF
Strong Buy71
out of 100
Grade: B
WFC
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+59.2%
Fair Value
$178.92
Current Price
$66.19
$112.73 discount
Margin of Safety
+55.4%
Fair Value
$173.78
Current Price
$77.60
$96.18 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Every $100 of equity generates 21 in profit
Generating 2.5B in free cash flow
Mega-cap, among the largest globally
Reasonable price relative to book value
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.9%
Generating 4.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : WFC
The strongest argument for WFC centers on Market Cap, Price/Book, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.9%.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
SYF carries more volatility with a beta of 1.41 — expect wider price swings.
WFC is growing revenue faster at 5.0% — sustainability is the question.
WFC generates stronger free cash flow (4.1B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WFC scores higher overall (72/100 vs 71/100), backed by strong 26.7% margins. SYF offers better value entry with a 59.2% margin of safety. 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 →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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