` Comparison: FCH, SYF - Alpha Spread

FCH
vs
SYF

Over the past 12 months, FCH has underperformed SYF, delivering a return of +6% compared to the SYF's +33% growth.

Valuation Growth Profitability Solvency Stocks Performance
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FCH
SYF
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Stocks Compared:
FCH SYF
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Valuation Comparison

FCH 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
Funding Circle Holdings PLC
LSE:FCH
128.8 GBX
Synchrony Financial
NYSE:SYF
87.63 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
FCH, SYF

FCH
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
Funding Circle Holdings PLC
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
FCH, SYF

FCH
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
Funding Circle Holdings PLC
LSE:FCH
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

FCH
0%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Funding Circle Holdings PLC
Synchrony Financial
Not applicable for financial companies

Operating Margin

FCH
4.9%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Funding Circle Holdings PLC
Synchrony Financial
Not applicable for financial companies

Net Margin

FCH
14.9%
SYF
18.6%

FCF Margin

FCH
-32.3%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Funding Circle Holdings PLC
Synchrony Financial
Not applicable for financial companies

ROE

FCH
12.6%
SYF
21.1%

ROA

FCH
7.1%
SYF
3%

ROIC

FCH
4.6%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Funding Circle Holdings PLC
Synchrony Financial
Not applicable for financial companies

ROCE

FCH
4%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Funding Circle Holdings PLC
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FCH, SYF

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FCH
SYF
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Performance Gap
FCH, SYF

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

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FCH
SYF
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