COMP <GO>
SYF vs MS // 10Y YIELD & FRED MACRO BETA
Synchrony Financial (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: SYF 10
— MS 4
▲ 10Y YIELD & FRED MACRO BETA LEADER: SYF
LAST: $75.35 (-2.10%) • MKT CAP: $23.97B
macro-sensitivity
1.16
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
macro-sensitivity
1.04
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SYF VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SYF | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.60% | 3.00% | +4.60 | SYF | /roic <GO> |
| EV/EBITDA & P/E Valuation | 11.3x | 31.0x | -19.70 | SYF | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | -7.25% | +29.25 | SYF | /fcf-yield <GO> |
| Operating Margin | 64.60% | 24.60% | +40.00 | SYF | /operating-margins <GO> |
| Net Profit Margin | 52.90% | 20.20% | +32.70 | SYF | /net-margins <GO> |
| Revenue Growth (YoY) | -1.10% | 5.50% | -6.60 | MS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.78% | 2.21% | -0.43 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.73 | 0.46 | +0.27 | SYF | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 5/9 | +2.00 | SYF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.40% | 7.00% | +0.40 | MS | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.0 | 43.3 | +10.75 | SYF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 1.16 | 1.04 | +0.12 | SYF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.2x | 16.5x | -10.30 | SYF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $23.97B | $298.41B | -$274.44B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SYF REV | MS REV | SYF GROSS % | MS GROSS % | SYF FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $9.85B | -$17.89B |
| FY 2024 | $0 | $0 | — | — | $9.85B | $1.36B |
| FY 2023 | $0 | $0 | — | — | $8.59B | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SYF // BETA 1.16
MS // BETA 1.04