` Comparison: PFG, SYF - Alpha Spread

PFG
vs
SYF

Over the past 12 months, PFG has underperformed SYF, delivering a return of 0% compared to the SYF's +29% growth.

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

PFG Intrinsic Value
Not Available
SYF Intrinsic Value
107.75 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Provident Financial PLC
LSE:PFG
225 GBX
Synchrony Financial
NYSE:SYF
85.74 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
PFG, SYF

PFG
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
Provident Financial 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
PFG, SYF

PFG
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
Provident Financial PLC
LSE:PFG
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PFG
99.5%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial PLC
Synchrony Financial
Not applicable for financial companies

Operating Margin

PFG
30.6%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial PLC
Synchrony Financial
Not applicable for financial companies

Net Margin

PFG
14.5%
SYF
18.6%

FCF Margin

PFG
-44.5%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial PLC
Synchrony Financial
Not applicable for financial companies

ROE

PFG
12.6%
SYF
21.1%

ROA

PFG
2.9%
SYF
3%

ROIC

PFG
5.7%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial PLC
Synchrony Financial
Not applicable for financial companies

ROCE

PFG
6.3%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial 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
PFG, SYF

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PFG
SYF
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
PFG, SYF

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

Performance By Year
PFG, SYF

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PFG
SYF
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