` Comparison: HAT vs SYF - Alpha Spread
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HAT
vs
SYF

Over the past 12 months, HAT has significantly outperformed SYF, delivering a return of +67% compared to the SYF's +21% growth.

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

HAT Intrinsic Value
519.59 GBX
Overvaluation 20%
Intrinsic Value
Price
SYF Intrinsic Value
119.05 USD
Undervaluation 45%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
H & T Group PLC
LSE:HAT
650 GBX
Synchrony Financial
NYSE:SYF
65.43 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
HAT, SYF

HAT
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
H & T Group 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
HAT, SYF

HAT
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
H & T Group PLC
LSE:HAT
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HAT
36.3%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
H & T Group PLC
Synchrony Financial
Not applicable for financial companies

Operating Margin

HAT
25.9%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
H & T Group PLC
Synchrony Financial
Not applicable for financial companies

Net Margin

HAT
8.4%
SYF
18.3%

FCF Margin

HAT
1.7%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
H & T Group PLC
Synchrony Financial
Not applicable for financial companies

ROE

HAT
12%
SYF
20.8%

ROA

HAT
8.2%
SYF
2.9%

ROIC

HAT
21%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
H & T Group PLC
Synchrony Financial
Not applicable for financial companies

ROCE

HAT
26.6%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
H & T Group PLC
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

H & T Group PLC
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Synchrony Financial
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HAT, SYF

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SYF
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Performance Gap
HAT, SYF

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HAT
SYF
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
HAT, SYF

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SYF
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