Nelnet Inc (NNI)vsSynchrony Financial (SYF)
NNI
Nelnet Inc
$128.32
-0.99%
FINANCIAL SERVICES · Cap: $4.60B
SYF
Synchrony Financial
$67.63
+0.54%
FINANCIAL SERVICES · Cap: $24.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 483% more annual revenue ($9.76B vs $1.67B). SYF leads profitability with a 36.4% profit margin vs 25.6%. NNI appears more attractively valued with a PEG of 0.46. SYF earns a higher WallStSmart Score of 71/100 (B).
NNI
Buy58
out of 100
Grade: C
SYF
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-62.9%
Fair Value
$80.17
Current Price
$128.32
$48.15 premium
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 26 of every $100 in revenue as profit
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
Revenue declined 8.6%
Earnings declined 7.6%
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NNI
The strongest argument for NNI centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 25.6% and operating margin at 17.7%. PEG of 0.46 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 48.5%.
Bear Case : NNI
The primary concerns for NNI are Revenue Growth, EPS Growth, Altman Z-Score. Debt-to-equity of 2.14 is elevated, increasing financial risk.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NNI profiles as a declining 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.
SYF is growing revenue faster at 5.0% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (71/100 vs 58/100), 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.
Nelnet Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Nelnet, Inc. is engaged in the loan management, communications and educational technology, services and payment processing businesses globally. The company is headquartered in Lincoln, Nebraska.
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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