CRCL vs SYF: stock comparison and AI forecast
Circle Internet Group, Inc. (CRCL) and Synchrony Financial (SYF) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CRCL Circle Internet Group, Inc.
- Price
- $67.88 -40.1% · 6M
- Market Cap
- $17.23B
- P/E Ratio
- 16.0x
- Size
- large-cap
- AI Forecast
SYF Synchrony Financial
- Price
- $73.74 -0.4% · 6M
- 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.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- SYF is 1.3 times larger than CRCL by market capitalization ($22.96B against $17.23B).
- SYF trades at 7.7 times trailing earnings, CRCL at 16.0 times.
- Over the last six months SYF returned -0.4% and CRCL -40.1%.
- CRCL carries 19.12 times debt per unit of equity, against 6.40 times for SYF.
- SYF yields 1.83% in dividends; CRCL pays none.
- Both companies share the SEC industry classification Finance Services.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CRCL | SYF |
|---|---|---|
| Market Cap | $17.23B | $22.96B |
| P/E Ratio | 16.01x | 7.71x |
| P/B Ratio | 4.46x | 1.39x |
| Dividend Yield | – | 1.83% |
| EPS | $4.24 | $9.56 |
| Book Value/Share | $15.21 | $53.15 |
| Revenue/Share | $14.22 | – |
| FCF/Share | $2.92 | – |
Profitability & Margins
| Metric | CRCL | SYF |
|---|---|---|
| ROE | – | 20.1% |
| ROA | – | 2.7% |
| ROIC | 11.1% | – |
| Operating Margin | 12.1% | – |
| Net Margin | – | 8.7% |
| EBT Margin | 15.7% | 11.4% |
| Tax Rate | 7.0% | 23.7% |
Financial Health
| Metric | CRCL | SYF |
|---|---|---|
| Current Ratio | 1.04x | – |
| D/E Ratio | 19.12x | 6.40x |
| Financial Leverage | 20.12x | 7.40x |
| Interest Coverage | 964.5x | – |
| Working Capital | $2.88B | – |
Cash Flow
| Metric | CRCL | SYF |
|---|---|---|
| Operating Cash Flow | $772M | $9.55B |
| Free Cash Flow | $741M | – |
| Capital Spending | -$31M | – |
| OCF Growth YoY | – | -2.0% |
| FCF/Sales | 20.5% | – |
| CapEx/Sales | 0.9% | – |
Operational Efficiency
| Metric | CRCL | SYF |
|---|---|---|
| Asset Turnover | 0.05x | – |
| Receivables Turnover | 53.1x | – |
| Fixed Assets Turnover | 170.6x | – |
| Days Sales Outstanding | 7 days | – |
Income Statement
| Metric | CRCL | SYF |
|---|---|---|
| Total Revenue | $3.61B | – |
| Operating Income | $436M | – |
| Net Income | – | $3.33B |
Dividend & Shareholder Information
| Metric | CRCL | SYF |
|---|---|---|
| Dividends Per Share | – | $1.35 |
| Payout Ratio | – | 14.1% |
| Shares Outstanding | 254M | 311M |
| Net Income Growth | – | -6.8% |
| EPS Growth | – | 4.2% |
CRCL vs SYF: stock comparison and AI forecast
Which is bigger, CRCL or SYF?
SYF is 1.3 times larger than CRCL by market capitalization ($22.96B against $17.23B).
Which is cheaper on earnings, CRCL or SYF?
SYF trades at 7.7 times trailing earnings, CRCL at 16.0 times.
Which stock performed better over the last six months, CRCL or SYF?
Over the last six months SYF returned -0.4% and CRCL -40.1%.
Which one does Intratio's AI model rank higher, CRCL 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.
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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.