COMP <GO>
SYF vs JPM // ALTMAN Z-SCORE & DEBT/EQUITY
Synchrony Financial (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: SYF 8
— JPM 6
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: SYF
LAST: $75.35 (-2.10%) • MKT CAP: $23.97B
balance-sheet
0.73
LAST: $337.04 (-1.90%) • MKT CAP: $895.92B
balance-sheet
0.37
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SYF VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SYF | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.60% | 17.37% | -9.77 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 11.3x | 9.7x | +1.63 | JPM | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | -18.14% | +40.14 | SYF | /fcf-yield <GO> |
| Operating Margin | 64.60% | 42.07% | +22.53 | SYF | /operating-margins <GO> |
| Net Profit Margin | 52.90% | 32.63% | +20.27 | SYF | /net-margins <GO> |
| Revenue Growth (YoY) | -1.10% | 13.53% | -14.63 | JPM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.78% | 1.96% | -0.18 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 0.73 | 0.37 | +0.36 | SYF | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 2/9 | +5.00 | SYF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.40% | 4.84% | +2.56 | JPM | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.0 | 49.0 | +4.99 | SYF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.00 | +0.16 | SYF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.2x | 13.6x | -7.37 | SYF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $23.97B | $895.92B | -$871.95B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SYF REV | JPM REV | SYF GROSS % | JPM GROSS % | SYF FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $182.45B | — | — | $9.85B | -$147.78B |
| FY 2024 | $0 | $177.56B | — | — | $9.85B | -$42.01B |
| FY 2023 | $0 | $158.10B | — | — | $8.59B | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SYF // BETA 1.16
JPM // BETA 1.00