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EG vs. SYF: A Head-to-Head Stock Comparison

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Here’s a clear look at EG and SYF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolEGSYF
Company NameEverest Group, Ltd.Synchrony Financial
CountryBermudaUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceConsumer Finance
Market Capitalization14.97 billion USD26.50 billion USD
ExchangeNYSENYSE
Listing DateOctober 3, 1995July 31, 2014
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of EG and SYF by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

EG vs. SYF: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolEGSYF
5-Day Price Return3.29%-2.85%
13-Week Price Return5.74%1.53%
26-Week Price Return-1.78%34.55%
52-Week Price Return-9.98%43.67%
Month-to-Date Return1.89%0.25%
Year-to-Date Return-1.55%9.58%
10-Day Avg. Volume0.31M3.04M
3-Month Avg. Volume0.35M3.30M
3-Month Volatility19.83%23.55%
Beta0.411.48

Profitability

Return on Equity (TTM)

EG

5.52%

Insurance Industry

Max
30.96%
Q3
18.76%
Median
14.22%
Q1
10.34%
Min
1.73%

EG’s Return on Equity of 5.52% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

SYF

19.89%

Consumer Finance Industry

Max
32.87%
Q3
21.72%
Median
12.80%
Q1
9.07%
Min
-3.88%

SYF’s Return on Equity of 19.89% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.

EG vs. SYF: A comparison of their Return on Equity (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

EG

4.56%

Insurance Industry

Max
26.78%
Q3
14.69%
Median
9.87%
Q1
6.59%
Min
-3.51%

Falling into the lower quartile for the Insurance industry, EG’s Net Profit Margin of 4.56% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

SYF

14.06%

Consumer Finance Industry

Max
19.68%
Q3
17.11%
Median
13.55%
Q1
9.71%
Min
-0.75%

SYF’s Net Profit Margin of 14.06% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.

EG vs. SYF: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

EG

5.85%

Insurance Industry

Max
34.52%
Q3
20.17%
Median
14.46%
Q1
9.62%
Min
-2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

SYF

18.39%

Consumer Finance Industry

Max
50.11%
Q3
32.02%
Median
19.92%
Q1
14.90%
Min
-5.45%

SYF’s Operating Profit Margin of 18.39% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

EG vs. SYF: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Profitability at a Glance

SymbolEGSYF
Return on Equity (TTM)5.52%19.89%
Return on Assets (TTM)1.39%2.73%
Net Profit Margin (TTM)4.56%14.06%
Operating Profit Margin (TTM)5.85%18.39%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

EG

1.19

Insurance Industry

Max
2.97
Q3
1.37
Median
0.54
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SYF

--

Consumer Finance Industry

Max
7.85
Q3
4.26
Median
2.28
Q1
0.82
Min
0.07

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

EG vs. SYF: A comparison of their Current Ratio (MRQ) against their respective Insurance and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

EG

0.24

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.23
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

SYF

0.94

Consumer Finance Industry

Max
6.63
Q3
3.60
Median
2.40
Q1
0.99
Min
0.23

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

EG vs. SYF: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

EG

10.95

Insurance Industry

Max
43.68
Q3
21.45
Median
9.67
Q1
3.55
Min
-5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

SYF

--

Consumer Finance Industry

Max
49.63
Q3
28.11
Median
4.75
Q1
2.86
Min
-15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

EG vs. SYF: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Financial Strength at a Glance

SymbolEGSYF
Current Ratio (MRQ)1.19--
Quick Ratio (MRQ)0.56--
Debt-to-Equity Ratio (MRQ)0.240.94
Interest Coverage Ratio (TTM)10.95--

Growth

Revenue Growth

EG vs. SYF: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

EG vs. SYF: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

EG

2.31%

Insurance Industry

Max
9.80%
Q3
5.18%
Median
3.58%
Q1
2.07%
Min
0.00%

EG’s Dividend Yield of 2.31% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

SYF

1.88%

Consumer Finance Industry

Max
7.21%
Q3
3.38%
Median
2.39%
Q1
0.67%
Min
0.00%

SYF’s Dividend Yield of 1.88% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

EG vs. SYF: A comparison of their Dividend Yield (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

EG

18.24%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
53.26%
Q1
23.68%
Min
0.00%

EG’s Dividend Payout Ratio of 18.24% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

SYF

14.94%

Consumer Finance Industry

Max
145.89%
Q3
88.89%
Median
25.97%
Q1
9.25%
Min
0.00%

SYF’s Dividend Payout Ratio of 14.94% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

EG vs. SYF: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Dividend at a Glance

SymbolEGSYF
Dividend Yield (TTM)2.31%1.88%
Dividend Payout Ratio (TTM)18.24%14.94%

Valuation

Price-to-Earnings Ratio (TTM)

EG

18.31

Insurance Industry

Max
30.75
Q3
18.11
Median
12.67
Q1
9.66
Min
2.87

A P/E Ratio of 18.31 places EG in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

SYF

7.96

Consumer Finance Industry

Max
35.93
Q3
20.63
Median
12.65
Q1
9.73
Min
3.96

In the lower quartile for the Consumer Finance industry, SYF’s P/E Ratio of 7.96 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

EG vs. SYF: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

EG

0.83

Insurance Industry

Max
3.41
Q3
1.88
Median
1.22
Q1
0.80
Min
0.23

EG’s P/S Ratio of 0.83 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

SYF

0.73

Consumer Finance Industry

Max
3.79
Q3
2.71
Median
1.91
Q1
1.14
Min
0.61

In the lower quartile for the Consumer Finance industry, SYF’s P/S Ratio of 0.73 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

EG vs. SYF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

EG

0.96

Insurance Industry

Max
4.57
Q3
2.56
Median
1.88
Q1
1.20
Min
0.17

EG’s P/B Ratio of 0.96 is in the lower quartile for the Insurance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

SYF

1.50

Consumer Finance Industry

Max
3.80
Q3
2.83
Median
2.02
Q1
1.18
Min
0.26

SYF’s P/B Ratio of 1.50 is within the conventional range for the Consumer Finance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

EG vs. SYF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Consumer Finance industry benchmarks.

Valuation at a Glance

SymbolEGSYF
Price-to-Earnings Ratio (TTM)18.317.96
Price-to-Sales Ratio (TTM)0.830.73
Price-to-Book Ratio (MRQ)0.961.50
Price-to-Free Cash Flow Ratio (TTM)3.262.65