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

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

Company Profile

SymbolSYFWTW
Company NameSynchrony FinancialWillis Towers Watson Public Limited Company
CountryUnited StatesUnited Kingdom
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceInsurance
Market Capitalization26.56 billion USD34.08 billion USD
ExchangeNYSENasdaqGS
Listing DateJuly 31, 2014June 12, 2001
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolSYFWTW
5-Day Price Return0.46%1.14%
13-Week Price Return2.41%14.44%
26-Week Price Return34.02%3.68%
52-Week Price Return44.03%20.24%
Month-to-Date Return0.46%1.14%
Year-to-Date Return9.82%11.54%
10-Day Avg. Volume3.03M0.52M
3-Month Avg. Volume3.31M0.63M
3-Month Volatility23.47%18.20%
Beta1.480.65

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.

WTW

1.73%

Insurance Industry

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

WTW’s Return on Equity of 1.73% 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 vs. WTW: 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
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.

WTW

1.40%

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, WTW’s Net Profit Margin of 1.40% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

SYF vs. WTW: 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
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.

WTW

6.24%

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

Profitability at a Glance

SymbolSYFWTW
Return on Equity (TTM)19.89%1.73%
Return on Assets (TTM)2.73%0.49%
Net Profit Margin (TTM)14.06%1.40%
Operating Profit Margin (TTM)18.39%6.24%
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.

WTW

1.13

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 vs. WTW: 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
3.60
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.

WTW

0.66

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 vs. WTW: 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
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.

WTW

1.41

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

Financial Strength at a Glance

SymbolSYFWTW
Current Ratio (MRQ)--1.13
Quick Ratio (MRQ)--1.11
Debt-to-Equity Ratio (MRQ)0.940.66
Interest Coverage Ratio (TTM)--1.41

Growth

Revenue Growth

SYF vs. WTW: 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. WTW: 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

1.85%

Consumer Finance Industry

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

SYF’s Dividend Yield of 1.85% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

WTW

1.06%

Insurance Industry

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

WTW’s Dividend Yield of 1.06% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

SYF vs. WTW: 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
88.89%
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.

WTW

14.79%

Insurance Industry

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

WTW’s Dividend Payout Ratio of 14.79% 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 vs. WTW: A comparison of their Dividend Payout Ratio (TTM) against their respective Consumer Finance and Insurance industry benchmarks.

Dividend at a Glance

SymbolSYFWTW
Dividend Yield (TTM)1.85%1.06%
Dividend Payout Ratio (TTM)14.94%14.79%

Valuation

Price-to-Earnings Ratio (TTM)

SYF

8.06

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 8.06 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

WTW

246.34

Insurance Industry

Max
30.75
Q3
18.11
Median
12.67
Q1
9.66
Min
2.87

At 246.34, WTW’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance 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 vs. WTW: 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
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.

WTW

3.44

Insurance Industry

Max
3.41
Q3
1.88
Median
1.22
Q1
0.80
Min
0.23

With a P/S Ratio of 3.44, WTW trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

SYF vs. WTW: 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
3.80
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.

WTW

3.75

Insurance Industry

Max
4.57
Q3
2.56
Median
1.88
Q1
1.20
Min
0.17

WTW’s P/B Ratio of 3.75 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. WTW: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Insurance industry benchmarks.

Valuation at a Glance

SymbolSYFWTW
Price-to-Earnings Ratio (TTM)8.06246.34
Price-to-Sales Ratio (TTM)0.733.44
Price-to-Book Ratio (MRQ)1.503.75
Price-to-Free Cash Flow Ratio (TTM)2.6826.68