COMP <GO>
SYF vs BAC // RETURN ON INVESTED CAPITAL (ROIC)
Synchrony Financial (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: SYF 9
— BAC 2
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: SYF
LAST: $76.97 (+2.14%) • MKT CAP: $23.97B
roic
7.60%
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
roic
2.50%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SYF VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SYF | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 7.60% | 2.50% | +5.10 | SYF | /roic <GO> |
| EV/EBITDA & P/E Valuation | 11.3x | 30.2x | -18.90 | SYF | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 2.10% | +19.90 | SYF | /fcf-yield <GO> |
| Operating Margin | 64.60% | 32.90% | +31.70 | SYF | /operating-margins <GO> |
| Net Profit Margin | 52.90% | 27.00% | +25.90 | SYF | /net-margins <GO> |
| Revenue Growth (YoY) | -1.10% | 6.80% | -7.90 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.78% | 0.00% | +1.78 | SYF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.3 | 38.3 | +21.00 | SYF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 0.90 | +0.26 | SYF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.2x | 10.9x | -4.70 | SYF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $23.97B | $357.61B | -$333.64B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SYF REV | BAC REV | SYF GROSS % | BAC GROSS % | SYF FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $113.10B | — | — | $9.85B | $7.52B |
| FY 2024 | $0 | $105.86B | — | — | $9.85B | -$13.57B |
| FY 2023 | $0 | $102.77B | — | — | $8.59B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SYF // BETA 1.16
BAC // BETA 0.90