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

Over the past 12 months, RFC has underperformed SYF, delivering a return of 0% compared to the SYF's +23% growth.

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

RFC 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
Rifco Inc
XTSX:RFC
1.27 CAD
Synchrony Financial
NYSE:SYF
72.96 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
RFC, SYF

RFC
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
Rifco Inc
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
RFC, SYF

RFC
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
Rifco Inc
XTSX:RFC
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

RFC
0%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Synchrony Financial
Not applicable for financial companies

Operating Margin

RFC
67.3%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Synchrony Financial
Not applicable for financial companies

Net Margin

RFC
15.4%
SYF
18.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Synchrony Financial

FCF Margin

RFC
-14.9%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Synchrony Financial
Not applicable for financial companies

ROE

RFC
18.2%
SYF
20.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Synchrony Financial

ROA

RFC
2.4%
SYF
2.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Synchrony Financial

ROIC

RFC
8.7%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Synchrony Financial
Not applicable for financial companies

ROCE

RFC
10.7%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Rifco Inc
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

Rifco Inc
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
RFC, SYF

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SYF
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Performance Gap
RFC, SYF

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

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