Microsoft Corporation
11.81xPrice / tangible book
Market cap
$3.59T
Tangible equity
$304.13B
Price / tangible book
11.81x
Price / book
8.12x
Return on equity
30.2%
Return on assets
17.6%
Efficiency ratio
—
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: MSFT stock price vs SYF: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at SYF's multiple
Needs SYF P/E.
Implied fair value · at MSFT's multiple
Metric by metric
Price unavailable
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability edge
Asset efficiency edge
Lower is better
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: MSFT FY 2026 (ended Jun 30, 2026) · SYF FY 2025 (ended Dec 31, 2025). Fiscal years are not aligned.
Trendline
Six fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / tangible book
Market cap
$3.59T
Tangible equity
$304.13B
Price / tangible book
11.81x
Price / book
8.12x
Return on equity
30.2%
Return on assets
17.6%
Efficiency ratio
—
Price / book
Market cap
—
Tangible equity
$14.15B
Price / tangible book
—
Price / book
—
Return on equity
21.2%
Return on assets
3.0%
Efficiency ratio
987.5%
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
MICROSOFT CORPORATION · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
Synchrony Financial · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Debt / equity
Total debt against shareholders' equity
0.11x
0.91x
Net debt / EBITDA
Leverage against operating earnings
-0.13x
0.02x
Cash and equivalents
Liquid reserves on the balance sheet
$76.84B
$14.97B
Total debt
Interest-bearing obligations outstanding
Comparable set
Where the pair sits against the wider banking comparable set.
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$49.52B
$15.18B
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
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