` Comparison: TCP, SYF - Alpha Spread

T
TCP
vs
SYF

Over the past 12 months, TCP has underperformed SYF, delivering a return of -99% compared to the SYF's +29% growth.

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TCP
SYF
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Stocks Compared:
TCP SYF
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Valuation Comparison

TCP Intrinsic Value
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SYF Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
T
Transaction Capital Ltd
JSE:TCP
1.99 Zac
Synchrony Financial
NYSE:SYF
84.68 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
TCP, SYF

TCP
SYF
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
T
Transaction Capital Ltd
Revenue
Synchrony Financial
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
TCP, SYF

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SYF
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
T
Transaction Capital Ltd
JSE:TCP
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

TCP
50.8%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
T
Transaction Capital Ltd
Synchrony Financial
Not applicable for financial companies

Operating Margin

TCP
1.8%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
T
Transaction Capital Ltd
Synchrony Financial
Not applicable for financial companies

Net Margin

TCP
-41.3%
SYF
18.6%

FCF Margin

TCP
5.2%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
T
Transaction Capital Ltd
Synchrony Financial
Not applicable for financial companies

ROE

TCP
-26.7%
SYF
21.1%

ROA

TCP
-4.1%
SYF
3%

ROIC

TCP
0.4%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
T
Transaction Capital Ltd
Synchrony Financial
Not applicable for financial companies

ROCE

TCP
0.3%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
T
Transaction Capital Ltd
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
TCP, SYF

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TCP
SYF
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Performance Gap
TCP, SYF

Performance Gap Between TCP and SYF
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Performance By Year
TCP, SYF

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SYF
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