` Comparison: SYF, BAJFINANCE - Alpha Spread

SYF
vs
BAJFINANCE

Over the past 12 months, SYF has underperformed BAJFINANCE, delivering a return of +21% compared to the BAJFINANCE's +51% growth.

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SYF
BAJFINANCE
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Stocks Compared:
SYF BAJFINANCE
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Valuation Comparison

SYF Intrinsic Value
114.24 USD
Undervaluation 29%
Intrinsic Value
Price
BAJFINANCE Intrinsic Value
866.53 INR
Overvaluation 15%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Synchrony Financial
NYSE:SYF
81.08 USD
Bajaj Finance Ltd
NSE:BAJFINANCE
1 016.7 INR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
SYF, BAJFINANCE

SYF
BAJFINANCE
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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
Synchrony Financial
Revenue
Bajaj Finance Ltd
Revenue

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

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Profitability Comparison

Free Cash Flow
SYF, BAJFINANCE

SYF
BAJFINANCE
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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
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

SYF
BAJFINANCE
60.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Synchrony Financial
Not applicable for financial companies
Bajaj Finance Ltd

Operating Margin

SYF
BAJFINANCE
43%
LTM 3Y Avg 5Y Avg 10Y Avg
Synchrony Financial
Not applicable for financial companies
Bajaj Finance Ltd

Net Margin

SYF
18.6%
BAJFINANCE
24.2%

FCF Margin

SYF
BAJFINANCE
-87.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Synchrony Financial
Not applicable for financial companies
Bajaj Finance Ltd

ROE

SYF
21.1%
BAJFINANCE
19.3%

ROA

SYF
3%
BAJFINANCE
3.9%

ROIC

SYF
BAJFINANCE
5.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Synchrony Financial
Not applicable for financial companies
Bajaj Finance Ltd

ROCE

SYF
BAJFINANCE
8.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Synchrony Financial
Not applicable for financial companies
Bajaj Finance Ltd

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SYF, BAJFINANCE

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Performance Gap
SYF, BAJFINANCE

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

Performance By Year
SYF, BAJFINANCE

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