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

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

Company Profile

SymbolSYFTW
Company NameSynchrony FinancialTradeweb Markets Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceCapital Markets
Market Capitalization26.50 billion USD24.03 billion USD
ExchangeNYSENasdaqGS
Listing DateJuly 31, 2014April 4, 2019
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of SYF and TW 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.

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

Historical Performance at a Glance

SymbolSYFTW
5-Day Price Return-2.85%-1.25%
13-Week Price Return1.53%-20.87%
26-Week Price Return34.55%-25.92%
52-Week Price Return43.67%-13.26%
Month-to-Date Return0.25%-0.90%
Year-to-Date Return9.58%-15.99%
10-Day Avg. Volume3.04M1.72M
3-Month Avg. Volume3.30M1.39M
3-Month Volatility23.55%27.01%
Beta1.480.86

Profitability

Return on Equity (TTM)

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.

TW

9.49%

Capital Markets Industry

Max
38.97%
Q3
22.24%
Median
13.52%
Q1
8.61%
Min
-4.25%

TW’s Return on Equity of 9.49% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

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.

TW

28.85%

Capital Markets Industry

Max
69.91%
Q3
37.24%
Median
24.30%
Q1
13.06%
Min
-15.18%

TW’s Net Profit Margin of 28.85% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

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.

TW

38.86%

Capital Markets Industry

Max
84.86%
Q3
47.16%
Median
32.23%
Q1
18.65%
Min
-21.87%

TW’s Operating Profit Margin of 38.86% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolSYFTW
Return on Equity (TTM)19.89%9.49%
Return on Assets (TTM)2.73%7.44%
Net Profit Margin (TTM)14.06%28.85%
Operating Profit Margin (TTM)18.39%38.86%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

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.

TW

2.80

Capital Markets Industry

Max
3.37
Q3
1.81
Median
1.01
Q1
0.56
Min
0.04

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

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

Debt-to-Equity Ratio (MRQ)

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.

TW

0.00

Capital Markets Industry

Max
6.52
Q3
2.79
Median
0.96
Q1
0.28
Min
0.00

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

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

Interest Coverage Ratio (TTM)

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.

TW

232.25

Capital Markets Industry

Max
107.59
Q3
48.41
Median
10.85
Q1
4.56
Min
-36.26

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

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

Financial Strength at a Glance

SymbolSYFTW
Current Ratio (MRQ)--2.80
Quick Ratio (MRQ)--2.80
Debt-to-Equity Ratio (MRQ)0.940.00
Interest Coverage Ratio (TTM)--232.25

Growth

Revenue Growth

SYF vs. TW: 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

SYF vs. TW: 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)

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.

TW

0.36%

Capital Markets Industry

Max
9.02%
Q3
4.54%
Median
2.55%
Q1
1.27%
Min
0.00%

TW’s Dividend Yield of 0.36% is in the lower quartile for the Capital Markets industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

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

Dividend Payout Ratio (TTM)

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.

TW

16.80%

Capital Markets Industry

Max
199.38%
Q3
99.28%
Median
60.67%
Q1
32.00%
Min
0.00%

TW’s Dividend Payout Ratio of 16.80% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

SymbolSYFTW
Dividend Yield (TTM)1.88%0.36%
Dividend Payout Ratio (TTM)14.94%16.80%

Valuation

Price-to-Earnings Ratio (TTM)

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.

TW

46.78

Capital Markets Industry

Max
51.69
Q3
29.42
Median
17.58
Q1
12.55
Min
5.59

A P/E Ratio of 46.78 places TW in the upper quartile for the Capital Markets industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

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

Price-to-Sales Ratio (TTM)

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.

TW

13.50

Capital Markets Industry

Max
14.65
Q3
7.29
Median
4.53
Q1
2.26
Min
0.04

TW’s P/S Ratio of 13.50 is in the upper echelon for the Capital Markets industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

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

Price-to-Book Ratio (MRQ)

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.

TW

5.12

Capital Markets Industry

Max
10.83
Q3
5.12
Median
2.66
Q1
1.19
Min
0.37

TW’s P/B Ratio of 5.12 is within the conventional range for the Capital Markets 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.

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

Valuation at a Glance

SymbolSYFTW
Price-to-Earnings Ratio (TTM)7.9646.78
Price-to-Sales Ratio (TTM)0.7313.50
Price-to-Book Ratio (MRQ)1.505.12
Price-to-Free Cash Flow Ratio (TTM)2.6527.44