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

Over the past 12 months, IPF has significantly outperformed SYF, delivering a return of +87% compared to the SYF's +11% growth.

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SYF
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Stocks Compared:
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Valuation Comparison

IPF 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
International Personal Finance PLC
LSE:IPF
235 GBX
Synchrony Financial
NYSE:SYF
75.53 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
IPF, SYF

IPF
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
International Personal Finance 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
IPF, 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
International Personal Finance PLC
LSE:IPF
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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Gross Margin

IPF
90.2%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
International Personal Finance PLC
Synchrony Financial
Not applicable for financial companies

Operating Margin

IPF
12.7%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
International Personal Finance PLC
Synchrony Financial
Not applicable for financial companies

Net Margin

IPF
10.3%
SYF
18.3%

FCF Margin

IPF
-3.7%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
International Personal Finance PLC
Synchrony Financial
Not applicable for financial companies

ROE

IPF
14.7%
SYF
20.8%

ROA

IPF
6%
SYF
2.9%

ROIC

IPF
7.2%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
International Personal Finance PLC
Synchrony Financial
Not applicable for financial companies

ROCE

IPF
9%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
International Personal Finance PLC
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

International Personal Finance P...
Equity Waterfall
Assets
Liabilities
Equity
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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
IPF, SYF

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Performance Gap
IPF, SYF

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

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IPF
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