` Comparison: SM vs SYF - Alpha Spread
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S
SM
vs
SYF

Over the past 12 months, SM has underperformed SYF, delivering a return of +1% compared to the SYF's +15% growth.

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SM
SYF
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Stocks Compared:
SM SYF
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Valuation Comparison

SM Intrinsic Value
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SYF Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
S
Star Money PCL
SET:SM
0.92 THB
Synchrony Financial
NYSE:SYF
75.31 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
SM, SYF

SM
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
S
Star Money PCL
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
SM, SYF

SM
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
S
Star Money PCL
SET:SM
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SM
52.7%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
S
Star Money PCL
Synchrony Financial
Not applicable for financial companies

Operating Margin

SM
14.3%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
S
Star Money PCL
Synchrony Financial
Not applicable for financial companies

Net Margin

SM
3.3%
SYF
18.3%
LTM 3Y Avg 5Y Avg 10Y Avg
S
Star Money PCL
Synchrony Financial

FCF Margin

SM
18.4%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
S
Star Money PCL
Synchrony Financial
Not applicable for financial companies

ROE

SM
4.4%
SYF
20.8%
LTM 3Y Avg 5Y Avg 10Y Avg
S
Star Money PCL
Synchrony Financial

ROA

SM
1.7%
SYF
2.9%
LTM 3Y Avg 5Y Avg 10Y Avg
S
Star Money PCL
Synchrony Financial

ROIC

SM
6%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
S
Star Money PCL
Synchrony Financial
Not applicable for financial companies

ROCE

SM
15.1%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
S
Star Money PCL
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

S
Star Money PCL
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
SM, SYF

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SM
SYF
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Performance Gap
SM, SYF

Performance Gap Between SM and SYF
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Performance By Year
SM, SYF

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SYF
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