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

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

Company Profile

SymbolSYFWRB
Company NameSynchrony FinancialW. R. Berkley Corporation
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceInsurance
Market Capitalization27.53 billion USD26.98 billion USD
ExchangeNYSENYSE
Listing DateJuly 31, 2014October 23, 1973
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of SYF and WRB 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. WRB: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolSYFWRB
5-Day Price Return3.37%-0.60%
13-Week Price Return28.79%-1.47%
26-Week Price Return12.82%16.99%
52-Week Price Return56.78%22.68%
Month-to-Date Return6.22%3.37%
Year-to-Date Return13.85%21.55%
10-Day Avg. Volume2.77M1.79M
3-Month Avg. Volume3.58M1.84M
3-Month Volatility25.47%17.38%
Beta1.540.42

Profitability

Return on Equity (TTM)

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.

WRB

20.10%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

In the upper quartile for the Insurance industry, WRB’s Return on Equity of 20.10% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

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

Net Profit Margin (TTM)

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.

WRB

12.32%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

WRB’s Net Profit Margin of 12.32% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

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.

WRB

16.84%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

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

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

Profitability at a Glance

SymbolSYFWRB
Return on Equity (TTM)19.89%20.10%
Return on Assets (TTM)2.73%4.27%
Net Profit Margin (TTM)14.06%12.32%
Operating Profit Margin (TTM)18.39%16.84%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

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.

WRB

0.92

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
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 vs. WRB: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

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.

WRB

0.31

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

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

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

Interest Coverage Ratio (TTM)

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.

WRB

18.84

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

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

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

Financial Strength at a Glance

SymbolSYFWRB
Current Ratio (MRQ)--0.92
Quick Ratio (MRQ)--0.92
Debt-to-Equity Ratio (MRQ)0.940.31
Interest Coverage Ratio (TTM)--18.84

Growth

Revenue Growth

SYF vs. WRB: 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. WRB: 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

1.84%

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.

WRB

2.23%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

WRB’s Dividend Yield of 2.23% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

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

Dividend Payout Ratio (TTM)

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.

WRB

34.10%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

WRB’s Dividend Payout Ratio of 34.10% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

SymbolSYFWRB
Dividend Yield (TTM)1.84%2.23%
Dividend Payout Ratio (TTM)14.94%34.10%

Valuation

Price-to-Earnings Ratio (TTM)

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.

WRB

15.27

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

WRB’s P/E Ratio of 15.27 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

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

Price-to-Sales Ratio (TTM)

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.

WRB

1.88

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

WRB’s P/S Ratio of 1.88 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 vs. WRB: A comparison of their Price-to-Sales Ratio (TTM) against their respective Consumer Finance and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

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.

WRB

3.00

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

WRB’s P/B Ratio of 3.00 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

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

Valuation at a Glance

SymbolSYFWRB
Price-to-Earnings Ratio (TTM)8.1015.27
Price-to-Sales Ratio (TTM)0.731.88
Price-to-Book Ratio (MRQ)1.503.00
Price-to-Free Cash Flow Ratio (TTM)2.707.92