FinVolution Group (FINV)vsSynchrony Financial (SYF)
FINV
FinVolution Group
$4.74
-2.47%
FINANCIAL SERVICES · Cap: $1.53B
SYF
Synchrony Financial
$67.63
+0.54%
FINANCIAL SERVICES · Cap: $24.23B
Smart Verdict
WallStSmart Research — data-driven comparison
FinVolution Group generates 42% more annual revenue ($13.81B vs $9.76B). SYF leads profitability with a 36.4% profit margin vs 20.3%. FINV trades at a lower P/E of 4.0x. FINV earns a higher WallStSmart Score of 78/100 (B+).
FINV
Strong Buy78
out of 100
Grade: B+
SYF
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+92.1%
Fair Value
$70.20
Current Price
$4.74
$65.46 discount
Margin of Safety
+59.2%
Fair Value
$178.92
Current Price
$67.63
$111.29 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 51.8%
Conservative balance sheet, low leverage
Keeps 20 of every $100 in revenue as profit
Earnings expanding 36.6% YoY
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Generating 2.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FINV
The strongest argument for FINV centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 20.3% and operating margin at 51.8%. Revenue growth of 12.9% demonstrates continued momentum.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.4% and operating margin at 48.5%.
Bear Case : FINV
The primary concerns for FINV are Market Cap, Piotroski F-Score.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FINV profiles as a mature stock while SYF is a value play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.41 — expect wider price swings.
FINV is growing revenue faster at 12.9% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
FINV scores higher overall (78/100 vs 71/100), backed by strong 20.3% margins and 12.9% revenue growth. SYF offers better value entry with a 59.2% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
FinVolution Group
FINANCIAL SERVICES · CREDIT SERVICES · China
FinVolution Group, an investment holding company, operates an online consumer finance marketplace in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
Visit Website →Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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