` Comparison: LX, SYF - Alpha Spread

LX
vs
SYF

Over the past 12 months, LX has significantly outperformed SYF, delivering a return of +313% compared to the SYF's +46% growth.

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LX
SYF
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

LX Intrinsic Value
29.12 USD
Undervaluation 76%
Intrinsic Value
Price
SYF Intrinsic Value
112.32 USD
Undervaluation 35%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Lexinfintech Holdings Ltd
NASDAQ:LX
6.96 USD
Synchrony Financial
NYSE:SYF
72.9 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
LX, SYF

Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Lexinfintech Holdings Ltd
Revenue
Synchrony Financial
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
LX, SYF

Free Cash Flow
www.alphaspread.com
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Lexinfintech Holdings Ltd
NASDAQ:LX
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

LX
35.4%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Lexinfintech Holdings Ltd
Synchrony Financial
Not applicable for financial companies

Operating Margin

LX
16.1%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Lexinfintech Holdings Ltd
Synchrony Financial
Not applicable for financial companies

Net Margin

LX
7.8%
SYF
15.5%

FCF Margin

LX
11.4%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Lexinfintech Holdings Ltd
Synchrony Financial
Not applicable for financial companies

ROE

LX
10.8%
SYF
18.1%

ROA

LX
4.9%
SYF
2.4%

ROIC

LX
9.3%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Lexinfintech Holdings Ltd
Synchrony Financial
Not applicable for financial companies

ROCE

LX
19.5%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Lexinfintech Holdings Ltd
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
LX, SYF

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Performance Gap
LX, SYF

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LX
SYF
Difference
www.alphaspread.com

Performance By Year
LX, SYF

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