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

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

Company Profile

SymbolNUSYF
Company NameNu Holdings Ltd.Synchrony Financial
CountryBrazilUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksConsumer Finance
Market Capitalization71.52 billion USD28.40 billion USD
ExchangeNYSENYSE
Listing DateDecember 9, 2021July 31, 2014
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of NU 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.

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

Historical Performance at a Glance

SymbolNUSYF
5-Day Price Return4.01%3.16%
13-Week Price Return23.44%31.06%
26-Week Price Return32.03%28.28%
52-Week Price Return3.50%54.16%
Month-to-Date Return21.11%9.57%
Year-to-Date Return42.86%17.45%
10-Day Avg. Volume62.56M2.70M
3-Month Avg. Volume61.16M3.48M
3-Month Volatility43.25%24.24%
Beta1.081.55

Profitability

Return on Equity (TTM)

NU

27.49%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

NU’s Return on Equity of 27.49% is exceptionally high, placing it well beyond the typical range for the Banks industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

SYF

19.89%

Consumer Finance Industry

Max
32.87%
Q3
20.39%
Median
14.14%
Q1
7.64%
Min
-10.63%

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.

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

Net Profit Margin (TTM)

NU

17.90%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

Falling into the lower quartile for the Banks industry, NU’s Net Profit Margin of 17.90% 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
15.94%
Median
13.37%
Q1
9.73%
Min
3.66%

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.

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

Operating Profit Margin (TTM)

NU

24.64%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

NU’s Operating Profit Margin of 24.64% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

SYF

18.39%

Consumer Finance Industry

Max
50.11%
Q3
29.38%
Median
18.31%
Q1
14.26%
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.

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

Profitability at a Glance

SymbolNUSYF
Return on Equity (TTM)27.49%19.89%
Return on Assets (TTM)4.27%2.73%
Net Profit Margin (TTM)17.90%14.06%
Operating Profit Margin (TTM)24.64%18.39%
Gross Profit Margin (TTM)43.42%--

Financial Strength

Current Ratio (MRQ)

NU

0.18

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

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

SYF

--

Consumer Finance Industry

Max
5.34
Q3
4.21
Median
2.67
Q1
0.71
Min
0.20

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

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

Debt-to-Equity Ratio (MRQ)

NU

4.18

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

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

SYF

0.94

Consumer Finance Industry

Max
6.63
Q3
3.39
Median
2.21
Q1
0.94
Min
0.00

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

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

Interest Coverage Ratio (TTM)

NU

-0.91

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

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

SYF

--

Consumer Finance Industry

Max
49.63
Q3
39.33
Median
4.56
Q1
2.97
Min
-15.69

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

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

Financial Strength at a Glance

SymbolNUSYF
Current Ratio (MRQ)0.18--
Quick Ratio (MRQ)0.18--
Debt-to-Equity Ratio (MRQ)4.180.94
Interest Coverage Ratio (TTM)-0.91--

Growth

Revenue Growth

NU 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

NU 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)

NU

0.00%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

NU currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

SYF

1.84%

Consumer Finance Industry

Max
8.31%
Q3
3.93%
Median
2.51%
Q1
0.84%
Min
0.00%

SYF’s Dividend Yield of 1.84% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

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

Dividend Payout Ratio (TTM)

NU

0.00%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

NU has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

SYF

14.94%

Consumer Finance Industry

Max
145.89%
Q3
88.53%
Median
23.79%
Q1
0.00%
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.

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

Dividend at a Glance

SymbolNUSYF
Dividend Yield (TTM)0.00%1.84%
Dividend Payout Ratio (TTM)0.00%14.94%

Valuation

Price-to-Earnings Ratio (TTM)

NU

28.53

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

At 28.53, NU’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Banks industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

SYF

8.10

Consumer Finance Industry

Max
34.39
Q3
20.36
Median
13.05
Q1
9.29
Min
4.74

In the lower quartile for the Consumer Finance industry, SYF’s P/E Ratio of 8.10 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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

Price-to-Sales Ratio (TTM)

NU

5.11

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

SYF

0.73

Consumer Finance Industry

Max
4.28
Q3
2.67
Median
1.88
Q1
1.15
Min
0.55

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.

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

Price-to-Book Ratio (MRQ)

NU

6.90

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

At 6.90, NU’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

SYF

1.50

Consumer Finance Industry

Max
3.63
Q3
2.40
Median
1.96
Q1
1.16
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.

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

Valuation at a Glance

SymbolNUSYF
Price-to-Earnings Ratio (TTM)28.538.10
Price-to-Sales Ratio (TTM)5.110.73
Price-to-Book Ratio (MRQ)6.901.50
Price-to-Free Cash Flow Ratio (TTM)13.782.70