Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: SYF stock price vs MA: 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 MA's multiple
Needs MA P/E.
Implied fair value · at SYF's multiple
Needs SYF P/E.
Price unavailable
Metric by metric
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 lag
Asset efficiency lag
Lower is better
Statements
Reported bank earnings and balances, with each company’s reporting period shown.
Values retain reported currencies and share bases. Select a figure to inspect its period, calculation and filing inputs. Differences require compatible units and periods.
Explore enterprise value and market valuation multiples in the valuation sections.
Trendline
Eight period-end years of reported revenue, earnings, and margins. Periods and currencies are shown with the data.
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 / book
Market cap
—
Tangible equity (USD)
—
Price / tangible book
—
Price / book
—
Net income / ending equity
21.2%
Net income / ending assets
3.0%
Efficiency ratio
—
Price / book
Market cap
—
Tangible equity (USD)
-$7.38B
Price / tangible book
—
Price / book
—
Net income / ending equity
193.5%
Net income / ending assets
27.6%
Efficiency ratio
—
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
Synchrony Financial · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Mastercard Incorporated · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Inspect reported liquidity and leverage alongside historical financial-health checks.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Cash excludes investments. EBITDA is an operating-income-plus-D&A proxy. Missing borrowing categories remain unavailable; select a value to inspect its inputs.
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe SYF's earnings are unusually depressed or distorted relative to its normalized cash generation, then holding or accumulating may make sense because the P/E discount to MA is large; but if the DCF range of $9.93 to $13.44 is closer to reality, then the current $75.79 price looks difficult to justify.
On a P/E basis, SYF at 8.2x trades at a large discount to MA at 34.7x, which mechanically drives the very high implied price estimate of $321.94 versus SYF's current price of $75.79. However, the gap is difficult to interpret cleanly because the other valuation anchors are inconsistent, with SYF's P/S at 47.4x versus MA's 2.1x and a DCF range of only $9.93 to $13.44.
Supporting Metrics
