` Comparison: S41 vs SYF - Alpha Spread
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S41
vs
SYF

Over the past 12 months, S41 has underperformed SYF, delivering a return of 0% compared to the SYF's +19% growth.

Valuation Growth Profitability Solvency Stocks Performance
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S41
SYF
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Stocks Compared:
S41 SYF
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Valuation Comparison

S41 Intrinsic Value
3.1 SGD
Undervaluation 18%
Intrinsic Value
Price
SYF Intrinsic Value
119.05 USD
Undervaluation 44%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Hong Leong Finance Ltd
SGX:S41
2.54 SGD
Synchrony Financial
NYSE:SYF
66.19 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
S41, SYF

S41
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
Hong Leong Finance Ltd
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
S41, SYF

S41
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
Hong Leong Finance Ltd
SGX:S41
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

S41
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

Operating Margin

S41
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

Net Margin

S41
34.2%
SYF
18.3%

FCF Margin

S41
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

ROE

S41
3%
SYF
20.8%

ROA

S41
0.4%
SYF
2.9%

ROIC

S41
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

ROCE

S41
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Hong Leong Finance Ltd
Not applicable for financial companies
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

Hong Leong Finance Ltd
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
S41, SYF

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S41
SYF
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
S41, SYF

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S41
SYF
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
S41, SYF

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S41
SYF
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