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

Over the past 12 months, ATLC has underperformed SYF, delivering a return of +4% compared to the SYF's +19% growth.

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

ATLC Intrinsic Value
119.26 USD
Undervaluation 54%
Intrinsic Value
Price
SYF Intrinsic Value
119.05 USD
Undervaluation 44%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Atlanticus Holdings Corp
NASDAQ:ATLC
54.67 USD
Synchrony Financial
NYSE:SYF
66.19 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ATLC, SYF

ATLC
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
Atlanticus Holdings Corp
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
ATLC, SYF

ATLC
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
Atlanticus Holdings Corp
NASDAQ:ATLC
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ATLC
46.5%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Atlanticus Holdings Corp
Synchrony Financial
Not applicable for financial companies

Operating Margin

ATLC
18.5%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Atlanticus Holdings Corp
Synchrony Financial
Not applicable for financial companies

Net Margin

ATLC
12.9%
SYF
18.3%

FCF Margin

ATLC
73.1%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Atlanticus Holdings Corp
Synchrony Financial
Not applicable for financial companies

ROE

ATLC
18.2%
SYF
20.8%

ROA

ATLC
2.1%
SYF
2.9%

ROIC

ATLC
2.5%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Atlanticus Holdings Corp
Synchrony Financial
Not applicable for financial companies

ROCE

ATLC
3.1%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Atlanticus Holdings Corp
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

Atlanticus Holdings Corp
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
ATLC, SYF

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SYF
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Performance Gap
ATLC, SYF

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

Performance By Year
ATLC, SYF

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SYF
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