` Comparison: MFIN vs SYF - Alpha Spread

MFIN
vs
SYF

Over the past 12 months, MFIN has underperformed SYF, delivering a return of -8% compared to the SYF's +23% growth.

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MFIN
SYF
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Valuation Comparison

MFIN Intrinsic Value
19.97 USD
Undervaluation 60%
Intrinsic Value
Price
SYF Intrinsic Value
122.23 USD
Undervaluation 47%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
Medallion Financial Corp
NASDAQ:MFIN
8.01 USD
Synchrony Financial
NYSE:SYF
65.36 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
MFIN, SYF

MFIN
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
Medallion Financial 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
MFIN, SYF

MFIN
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
Medallion Financial Corp
NASDAQ:MFIN
FCF is not applicable for financial companies
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

MFIN
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Medallion Financial Corp
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

Operating Margin

MFIN
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Medallion Financial Corp
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

Net Margin

MFIN
16.9%
SYF
18.3%

FCF Margin

MFIN
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Medallion Financial Corp
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

ROE

MFIN
11.1%
SYF
20.8%

ROA

MFIN
1.5%
SYF
2.9%

ROIC

MFIN
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Medallion Financial Corp
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

ROCE

MFIN
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Medallion Financial Corp
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
MFIN, SYF

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Performance Gap
MFIN, SYF

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MFIN
SYF
Difference
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Performance By Year
MFIN, SYF

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MFIN
SYF
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett