Synchrony Financial (SYF)vsWestern Union Co (WU)
SYF
Synchrony Financial
$66.19
+1.04%
FINANCIAL SERVICES · Cap: $23.84B
WU
Western Union Co
$9.02
-1.74%
FINANCIAL SERVICES · Cap: $2.87B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 141% more annual revenue ($9.76B vs $4.05B). SYF leads profitability with a 36.4% profit margin vs 12.3%. WU appears more attractively valued with a PEG of 1.68. SYF earns a higher WallStSmart Score of 71/100 (B).
SYF
Strong Buy71
out of 100
Grade: B
WU
Buy61
out of 100
Grade: C+
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
+4.3%
Fair Value
$10.34
Current Price
$9.02
$1.32 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
Attractively priced relative to earnings
Every $100 of equity generates 52 in profit
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Weak financial health signals
Revenue declined 4.7%
Earnings declined 69.2%
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 : WU
The strongest argument for WU centers on P/E Ratio, Return on Equity, Price/Book.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Bear Case : WU
The primary concerns for WU are PEG Ratio, Piotroski F-Score, Revenue Growth. Debt-to-equity of 2.80 is elevated, increasing financial risk.
Key Dynamics to Monitor
SYF profiles as a value stock while WU is a declining play — different risk/reward profiles.
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.
Bottom Line
SYF scores higher overall (71/100 vs 61/100), 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.
Visit Website →Western Union Co
FINANCIAL SERVICES · CREDIT SERVICES · USA
The Western Union Company is an American worldwide financial services and communications company, headquartered in Denver, Colorado.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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