Medallion Financial Corp (MFIN)vsSynchrony Financial (SYF)
MFIN
Medallion Financial Corp
$9.28
-1.07%
FINANCIAL SERVICES · Cap: $230.39M
SYF
Synchrony Financial
$70.28
-3.91%
FINANCIAL SERVICES · Cap: $23.64B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 2744% more annual revenue ($9.89B vs $347.76M). SYF leads profitability with a 36.4% profit margin vs 10.3%. MFIN appears more attractively valued with a PEG of 0.77. SYF earns a higher WallStSmart Score of 77/100 (B+).
MFIN
Buy63
out of 100
Grade: C+
SYF
Strong Buy77
out of 100
Grade: B+
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 45.0%
Growing faster than its price suggests
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.0%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 20.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 6.4%
Earnings declined 60.0%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MFIN
The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. PEG of 0.77 suggests the stock is reasonably priced for its growth.
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 48.0%.
Bear Case : MFIN
The primary concerns for MFIN are Market Cap, Revenue Growth, EPS Growth.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
MFIN profiles as a declining stock while SYF is a mature play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.36 — expect wider price swings.
SYF is growing revenue faster at 6.1% — sustainability is the question.
SYF generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (77/100 vs 63/100), backed by strong 36.4% margins. Both earn "Strong Buy" and "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.
Medallion Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Medallion Financial Corp. The company is headquartered in New York City, New York.
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.
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