WallStSmart

Synchrony Financial (SYF)vsWorld Acceptance Corporation (WRLD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Synchrony Financial generates 1601% more annual revenue ($9.76B vs $573.38M). SYF leads profitability with a 36.4% profit margin vs 7.5%. WRLD appears more attractively valued with a PEG of 0.70. 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

WRLD

Buy

54

out of 100

Grade: C-

Growth: 2.7Profit: 5.5Value: 7.3Quality: 7.0
Piotroski: 7/9Altman Z: 2.67
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SYFUndervalued (+59.2%)

Margin of Safety

+59.2%

Fair Value

$178.92

Current Price

$66.19

$112.73 discount

UndervaluedFair: $178.92Overvalued
WRLDSignificantly Overvalued (-141.2%)

Margin of Safety

-141.2%

Fair Value

$52.84

Current Price

$130.85

$78.01 premium

UndervaluedFair: $52.84Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SYF6 strengths · Avg: 9.5/10
P/E RatioValuation
7.1x10/10

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

WRLD3 strengths · Avg: 8.0/10
PEG RatioValuation
0.708/10

Growing faster than its price suggests

P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

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

WRLD4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.9%4/10

1.9% revenue growth

Market CapQuality
$659.23M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
7.5%3/10

7.5% margin — thin

EPS GrowthGrowth
-86.0%2/10

Earnings declined 86.0%

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 : WRLD

The strongest argument for WRLD centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.70 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 : WRLD

The primary concerns for WRLD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.35 is elevated, increasing financial risk.

Key Dynamics to Monitor

SYF carries more volatility with a beta of 1.41 — expect wider price swings.

SYF is growing revenue faster at 5.0% — sustainability is the question.

SYF generates stronger free cash flow (2.5B), providing more financial flexibility.

Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SYF scores higher overall (71/100 vs 54/100), backed by strong 36.4% margins. 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.

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World Acceptance Corporation

FINANCIAL SERVICES · CREDIT SERVICES · USA

World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.

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