COMP <GO>
SYF vs CRCL // NET PROFIT MARGIN
Synchrony Financial (NYSE) VS. Circle Internet Group Inc. (NYSE) • 15-METRIC TALLY: SYF 10
— CRCL 1
▲ NET PROFIT MARGIN LEADER: SYF
LAST: $76.97 (+2.14%) • MKT CAP: $23.97B
net-margins
52.90%
LAST: $79.99 (-2.10%) • MKT CAP: $20.31B
net-margins
-60.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SYF VS. CRCL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SYF | CRCL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.60% | -0.20% | +7.80 | SYF | /roic <GO> |
| EV/EBITDA & P/E Valuation | 11.3x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 2.61% | +19.39 | SYF | /fcf-yield <GO> |
| Operating Margin | 64.60% | -60.00% | +124.60 | SYF | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 52.90% | -60.00% | +112.90 | SYF | /net-margins <GO> |
| Revenue Growth (YoY) | -1.10% | 180.00% | -181.10 | CRCL | /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 | 6/9 | +1.00 | SYF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.3 | 46.7 | +12.60 | SYF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.10 | +0.06 | SYF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.2x | 34.0x | -27.80 | SYF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $23.97B | $20.31B | $3.66B | SYF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SYF REV | CRCL REV | SYF GROSS % | CRCL GROSS % | SYF FCF | CRCL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $109.8M | — | — | $9.85B | $529.7M |
| FY 2024 | $0 | $15.2M | — | — | $9.85B | $326.4M |
| FY 2023 | $0 | $19.9M | — | — | $8.59B | $138.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SYF // BETA 1.16
CRCL // BETA 1.10