CPI Card Group Inc (PMTS)vsSynchrony Financial (SYF)
PMTS
CPI Card Group Inc
$14.00
-0.92%
FINANCIAL SERVICES · Cap: $151.05M
SYF
Synchrony Financial
$67.63
+0.54%
FINANCIAL SERVICES · Cap: $24.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 1695% more annual revenue ($9.76B vs $543.53M). SYF leads profitability with a 36.4% profit margin vs 2.8%. SYF trades at a lower P/E of 7.3x. SYF earns a higher WallStSmart Score of 71/100 (B).
PMTS
Hold42
out of 100
Grade: D
SYF
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.1%
Fair Value
$27.90
Current Price
$14.00
$13.90 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
Revenue surging 22.3% year-over-year
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
ROE of 0.0% — below average capital efficiency
2.8% margin — thin
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PMTS
The strongest argument for PMTS centers on P/E Ratio, Revenue Growth. Revenue growth of 22.3% 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 : PMTS
The primary concerns for PMTS are Market Cap, Return on Equity, Profit Margin. Thin 2.8% margins leave little buffer for downturns.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PMTS profiles as a growth 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.
PMTS is growing revenue faster at 22.3% — 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 42/100), backed by strong 36.4% margins. PMTS offers better value entry with a 58.1% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
CPI Card Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
CPI Card Group Inc. is dedicated to the design, production, data personalization, packaging and fulfillment of financial payment cards. The company is headquartered in Littleton, Colorado.
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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