` Comparison: CURN vs SYF - Alpha Spread

CURN
vs
SYF

Over the past 12 months, CURN has outperformed SYF, delivering a return of +35% compared to the SYF's +23% growth.

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CURN
SYF
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Valuation Comparison

CURN Intrinsic Value
23.26 USD
Undervaluation 13%
Intrinsic Value
Price
SYF Intrinsic Value
119.051 USD
Undervaluation 42%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Currency Exchange International Corp
OTC:CURN
20.25 USD
Synchrony Financial
NYSE:SYF
68.755 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CURN, SYF

CURN
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
Currency Exchange International 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
CURN, SYF

CURN
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
Currency Exchange International Corp
OTC:CURN
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

CURN
0%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Currency Exchange International Corp
Synchrony Financial
Not applicable for financial companies

Operating Margin

CURN
27.6%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Currency Exchange International Corp
Synchrony Financial
Not applicable for financial companies

Net Margin

CURN
14.2%
SYF
18.3%

FCF Margin

CURN
19.2%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Currency Exchange International Corp
Synchrony Financial
Not applicable for financial companies

ROE

CURN
12.6%
SYF
20.8%

ROA

CURN
8.2%
SYF
2.9%

ROIC

CURN
208.4%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Currency Exchange International Corp
Synchrony Financial
Not applicable for financial companies

ROCE

CURN
22.3%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Currency Exchange International Corp
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CURN, SYF

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Performance Gap
CURN, SYF

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CURN
SYF
Difference
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Performance By Year
CURN, SYF

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CURN
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