COMP <GO>
SYF vs EFX // OPERATING MARGIN
Synchrony Financial (NYSE) VS. Equifax Inc. (NYSE) • 15-METRIC TALLY: SYF 8
— EFX 4
▲ OPERATING MARGIN LEADER: SYF
LAST: $75.35 (-2.10%) • MKT CAP: $23.97B
operating-margins
64.60%
LAST: $184.60 (+2.90%) • MKT CAP: $20.99B
operating-margins
18.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SYF VS. EFX)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SYF | EFX | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.60% | 10.20% | -2.60 | EFX | /roic <GO> |
| EV/EBITDA & P/E Valuation | 11.3x | 18.7x | -7.40 | SYF | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 6.39% | +15.61 | SYF | /fcf-yield <GO> |
| Operating Margin ACTIVE | 64.60% | 18.00% | +46.60 | SYF | /operating-margins <GO> |
| Net Profit Margin | 52.90% | 10.90% | +42.00 | SYF | /net-margins <GO> |
| Revenue Growth (YoY) | -1.10% | 6.90% | -8.00 | EFX | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.78% | 1.11% | +0.67 | SYF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 8/9 | -1.00 | EFX | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.3 | 61.1 | -1.80 | EFX | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.11 | +0.05 | SYF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.2x | 29.6x | -23.40 | SYF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $23.97B | $20.99B | $2.98B | SYF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SYF REV | EFX REV | SYF GROSS % | EFX GROSS % | SYF FCF | EFX FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $6.07B | — | — | $9.85B | $1.34B |
| FY 2024 | $0 | $5.68B | — | — | $9.85B | $1.07B |
| FY 2023 | $0 | $5.27B | — | — | $8.59B | $879.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SYF // BETA 1.16
EFX // BETA 1.11