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 2.6% for Synchrony Financial).
Nu keeps more of each dollar of sales as profit, with a net margin of 18.2% compared with 17.3% at Synchrony Financial.
Synchrony Financial pays a dividend yielding 1.3%; Nu does not pay one.
Synchrony Financial scores higher on the StockData Score (14 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 | – | $22.3B |
| Share price | $11.83 | $71.66 |
| Change, 1 year | −27.8% | −3.7% |
| Change, 5 years | – | 49.7% |
| Beta (5Y) | 1.31 | 1.23 |
| Employees | 1.6M | 20K |
| StockData Score | ||
| Total score | 7 | 14 (better) |
| Valuation score | 0 | 2 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 3 | 4 (better) |
| Health score | 2 | 4 (better) |
| Dividend score | 0 | 3 (better) |
| Valuation | ||
| P/E | – | 7.5× |
| P/S | – | 1.2× |
| P/B | – | 1.3× |
| PEG | – | 0.51 |
| Fair value | – | $81.19 |
| Margin of safety | – | 11.7% |
| Growth | ||
| Revenue growth (TTM) | 37.0% (better) | 2.6% |
| Revenue growth, 5Y average | 84.5% (better) | 5.1% |
| Net income growth (TTM) | 45.5% (better) | −6.8% |
| EPS growth (TTM) | 44.9% (better) | 4.6% |
| EPS growth, 5Y average | −94.6% | 32.5% (better) |
| Profitability | ||
| Gross margin | 42.0% | – |
| Net margin | 18.2% (better) | 17.3% |
| Return on equity | 30.3% (better) | 19.8% |
| Financial health | ||
| Debt / equity | 0.39 (better) | 0.00 |
| Net debt / EBITDA | −1.24 | – |
| Altman Z-score | – | 0.59 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | – | 1.3% |
| Payout ratio | – | 12.6% |
| Years of dividend growth | – | 4 |
| Dividend growth, 5Y average | – | 5.5% |
| Buyback yield | – | 17.2% |
| Shareholder yield | – | 18.5% |
| Ownership | ||
| Held by institutions | 59.8% | 111% |
| Held by insiders | 19.8% | 0.56% |
| Insider net buying, 12 months | −$10.7M (better) | −$43.6M |
| Superinvestors holding | 6 (better) | 3 |
| Short interest, % of float | 4.2% | 5.6% |
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.