Nu vs Synchrony Financial
NU and SYF side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How NU and SYF compare
Nu grew revenue faster over the last twelve months (37.0% versus 2.9% for Synchrony Financial).
Synchrony Financial keeps more of each dollar of sales as profit, with a net margin of 18.3% compared with 18.2% at Nu.
Synchrony Financial pays a dividend yielding 1.6%; Nu does not pay one.
Synchrony Financial scores higher on the StockData Score (15 against 7 for Nu), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | NU | SYF |
|---|---|---|
| Size and price | ||
| Market cap | – | $24.5B |
| Share price | $11.61 | $75.35 |
| Change, 1 year | −27.8% | 2.9% |
| Change, 5 years | – | 53.2% |
| Beta (5Y) | 1.30 | 1.25 |
| Employees | 1.6M | 20K |
| StockData Score | ||
| Total score | 7 | 15 (better) |
| Valuation score | 0 | 3 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 3 | 4 (better) |
| Health score | 2 | 4 (better) |
| Dividend score | 0 | 3 (better) |
| Valuation | ||
| P/E | – | 7.7× |
| P/S | – | 1.3× |
| P/B | – | 1.5× |
| PEG | – | 0.53 |
| Fair value | – | $145.84 |
| Margin of safety | – | 48.3% |
| Growth | ||
| Revenue growth (TTM) | 37.0% (better) | 2.9% |
| Revenue growth, 5Y average | 84.5% (better) | 5.1% |
| Net income growth (TTM) | 45.5% (better) | 7.0% |
| EPS growth (TTM) | 44.9% (better) | 18.4% |
| EPS growth, 5Y average | −94.6% | 32.5% (better) |
| Profitability | ||
| Gross margin | 42.0% | – |
| Net margin | 18.2% | 18.3% (better) |
| Return on equity | 30.3% (better) | 20.8% |
| Financial health | ||
| Debt / equity | 0.39 (better) | 0.00 |
| Net debt / EBITDA | −1.24 | – |
| Altman Z-score | – | 0.60 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | – | 1.6% |
| Payout ratio | – | 11.9% |
| Years of dividend growth | – | 4 |
| Dividend growth, 5Y average | – | 5.5% |
| Buyback yield | – | 14.7% |
| Shareholder yield | – | 16.4% |
| Ownership | ||
| Held by institutions | 59.8% | 106% |
| Held by insiders | 19.9% | 0.53% |
| Insider net buying, 12 months | −$10.3M (better) | −$47.7M |
| Superinvestors holding | 6 (better) | 3 |
| Short interest, % of float | 3.5% | 5.4% |
Go deeper
- NU stock overview
- NU income statement
- NU valuation and score
- SYF stock overview
- SYF income statement
- SYF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.