CHYM vs SYF: stock comparison and AI forecast
Chime Financial, Inc. (CHYM) and Synchrony Financial (SYF) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CHYM Chime Financial, Inc.
- Price
- $31.33 +64.8% · 6M
- Market Cap
- $11.86B
- P/E Ratio
- 9.6x
- Size
- large-cap
- AI Forecast
SYF Synchrony Financial
- Market Cap
- $22.96B
- P/E Ratio
- 7.7x
- Size
- large-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- SYF is 1.9 times larger than CHYM by market capitalization ($22.96B against $11.86B).
- SYF trades at 7.7 times trailing earnings, CHYM at 9.6 times.
- SYF carries 6.40 times debt per unit of equity, against 0.43 times for CHYM.
- SYF yields 1.83% in dividends; CHYM pays none.
- Both companies share the SEC industry classification Finance Services.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CHYM | SYF |
|---|---|---|
| Market Cap | $11.86B | $22.96B |
| P/E Ratio | 9.55x | 7.71x |
| P/B Ratio | 7.69x | 1.39x |
| Dividend Yield | – | 1.83% |
| EPS | $3.28 | $9.56 |
| Book Value/Share | $4.07 | $53.15 |
| Revenue/Share | $8.32 | – |
| FCF/Share | $1.10 | – |
Profitability & Margins
| Metric | CHYM | SYF |
|---|---|---|
| ROE | – | 20.1% |
| ROA | – | 2.7% |
| ROIC | 3.2% | – |
| Gross Margin | 89.2% | – |
| Operating Margin | 1.8% | – |
| Net Margin | – | 8.7% |
| EBT Margin | 3.0% | 11.4% |
| Tax Rate | 2.6% | 23.7% |
Financial Health
| Metric | CHYM | SYF |
|---|---|---|
| Current Ratio | 4.80x | – |
| D/E Ratio | 0.43x | 6.40x |
| Financial Leverage | 1.43x | 7.40x |
| Interest Coverage | 32.1x | – |
| Working Capital | $1.59B | – |
Cash Flow
| Metric | CHYM | SYF |
|---|---|---|
| Operating Cash Flow | $454M | $9.55B |
| Free Cash Flow | $418M | – |
| Capital Spending | -$35M | – |
| OCF Growth YoY | – | -2.0% |
| FCF/Sales | 13.3% | – |
| CapEx/Sales | 1.1% | – |
Operational Efficiency
| Metric | CHYM | SYF |
|---|---|---|
| Asset Turnover | 1.43x | – |
| Receivables Turnover | 9.8x | – |
| Fixed Assets Turnover | 33.1x | – |
| Days Sales Outstanding | 37 days | – |
| Payables Period | 31 days | – |
Income Statement
| Metric | CHYM | SYF |
|---|---|---|
| Total Revenue | $3.15B | – |
| Operating Income | $57M | – |
| Net Income | – | $3.33B |
| R&D Expense | $531M | – |
| SG&A Expense | $963M | – |
| Cost of Goods Sold | $340M | – |
Dividend & Shareholder Information
| Metric | CHYM | SYF |
|---|---|---|
| Dividends Per Share | – | $1.35 |
| Payout Ratio | – | 14.1% |
| Shares Outstanding | 379M | 311M |
| Net Income Growth | – | -6.8% |
| EPS Growth | – | 4.2% |
CHYM vs SYF: stock comparison and AI forecast
Which is bigger, CHYM or SYF?
SYF is 1.9 times larger than CHYM by market capitalization ($22.96B against $11.86B).
Which is cheaper on earnings, CHYM or SYF?
SYF trades at 7.7 times trailing earnings, CHYM at 9.6 times.
Which one does Intratio's AI model rank higher, CHYM or SYF?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.