COMP <GO>
CRCL vs SYF // EV/EBITDA & P/E VALUATION
Circle Internet Group Inc. (NYSE) VS. Synchrony Financial (NYSE) • 15-METRIC TALLY: CRCL 1
— SYF 10
■ METRIC PARITY
LAST: $72.54 (-9.31%) • MKT CAP: $20.31B
valuation
—
LAST: $75.35 (-2.10%) • MKT CAP: $23.97B
valuation
11.3x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CRCL VS. SYF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CRCL | SYF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -0.20% | 7.60% | -7.80 | SYF | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 11.3x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.61% | 22.00% | -19.39 | SYF | /fcf-yield <GO> |
| Operating Margin | -60.00% | 64.60% | -124.60 | SYF | /operating-margins <GO> |
| Net Profit Margin | -60.00% | 52.90% | -112.90 | SYF | /net-margins <GO> |
| Revenue Growth (YoY) | 180.00% | -1.10% | +181.10 | CRCL | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.78% | -1.78 | SYF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | SYF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.7 | 59.3 | -12.60 | SYF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.10 | 1.16 | -0.06 | SYF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 34.0x | 6.2x | +27.80 | SYF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $20.31B | $23.97B | -$3.66B | SYF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CRCL REV | SYF REV | CRCL GROSS % | SYF GROSS % | CRCL FCF | SYF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $109.8M | $0 | — | — | $529.7M | $9.85B |
| FY 2024 | $15.2M | $0 | — | — | $326.4M | $9.85B |
| FY 2023 | $19.9M | $0 | — | — | $138.7M | $8.59B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CRCL // BETA 1.10
SYF // BETA 1.16