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GPN vs AFRM vs SYF

161 measures in 16 categories, one definition each, computed from filings and market data.
GPN22.5
Global Payments Inc.
Financial Services · Financial - Credit Services
$83.67 −0.59%$22.1B mkt cap
Score DNA
AFRM67.0
Affirm Holdings, Inc.
Financial Services · Financial - Credit Services
$74.01 −2.52%$22.0B mkt cap
Score DNA
SYF55.8
Synchrony Financial
Financial Services · Financial - Credit Services
$73.68 −0.51%$24.0B mkt cap
Score DNA

Price, rebased to 100 three years ago

GPN   AFRM   SYF   · weekly adjusted closes
50100150200250300350400450500Jan 24Apr 24Jul 24Oct 24Jan 25Apr 25Jul 25Oct 25Jan 26Apr 26Jul 26Oct 26AFRM 411SYF 268GPN 76
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.

Smart money

8 measures
MeasureGPNAFRMSYF
Insider open-market buys, 180d 0 0 0
Insider $ bought, 180d — — —
Congress purchases, 180d 0 0 2
Last Congress purchase — — 2026-06-02
13F net change in holders −2 +68 +40
ETFs adding shares, 30d 876 577 1,015
ETFs trimming, 30d 832 452 1,031
Net ETF funds, 30d +44 +125 −16

Valuation

16 measures
MeasureGPNAFRMSYF
P/E (TTM) — 11.4x
62nd
6.8x
15th
PEG (P/E ÷ 3-yr EPS CAGR) — — 0.31
20th
Price / sales 2.2x
76th
5.3x
90th
1.3x
48th
Price / book 1.0x
17th
4.0x
88th
1.4x
38th
Price / tangible book — 5.8x
89th
1.7x
39th
Price / free cash flow n/a n/a n/a
Price / operating cash flow n/a n/a n/a
Enterprise value n/a n/a n/a
EV / sales n/a n/a n/a
EV / EBITDA n/a n/a n/a
EV / EBIT n/a n/a n/a
EV / free cash flow n/a n/a n/a
Earnings yield -4.3%
10th
8.8%
50th
14.7%
88th
FCF yield n/a n/a n/a
Operating cash flow yield n/a n/a n/a
Graham number (per share) — $44.12
32nd
$109.46
71st

Profitability (TTM)

12 measures
MeasureGPNAFRMSYF
Gross margin n/a n/a n/a
EBITDA margin n/a n/a n/a
Operating margin 11.9%
21st
15.5%
31st
24.3%
62nd
EBIT margin 14.6%
29th
22.6%
64th
24.3%
67th
Net margin -9.4%
5th
46.1%
95th
18.6%
81st
NOPAT margin 9.3%
19th
60.7%
98th
18.6%
57th
FCF margin n/a n/a n/a
Operating cash flow margin n/a n/a n/a
R&D / revenue 0.0%
0th
0.0%
0th
0.0%
0th
SG&A / revenue 52.0%
93rd
22.0%
64th
13.9%
43rd
Stock comp / revenue 0.9%
48th
3.9%
95th
0.0%
0th
Effective tax rate 21.2%
45th
— 23.8%
72nd

Returns on capital

11 measures
MeasureGPNAFRMSYF
ROE (on average equity) -4.2%
7th
45.1%
88th
20.8%
52nd
ROA -1.7%
5th
14.3%
90th
2.9%
60th
ROIC n/a n/a n/a
ROCE n/a n/a n/a
Return on tangible assets 2.6%
31st
7.0%
64th
3.8%
45th
Cash ROIC (OCF / invested capital) n/a n/a n/a
Gross profitability (GP / assets) n/a n/a n/a
ROIC, 3-yr average n/a n/a n/a
ROIC, 5-yr average n/a n/a n/a
ROE, 5-yr average 2.5%
19th
-9.6%
8th
21.1%
67th
Incremental ROIC n/a n/a n/a

Growth

17 measures
MeasureGPNAFRMSYF
Revenue growth (TTM YoY) 14.8%
56th
29.8%
77th
-2.4%
13th
Revenue growth (QoQ) 11.8%
90th
4.9%
76th
0.6%
45th
Revenue CAGR, 3 yr 3.2%
19th
38.1%
89th
7.8%
43rd
Revenue CAGR, 5 yr 5.0%
23rd
53.4%
94th
10.2%
51st
Gross profit CAGR, 3 yr n/a n/a n/a
Operating income CAGR, 3 yr -16.1%
3rd
— 13.0%
38th
Net income growth (TTM YoY) — 3,597.9%
100th
7.0%
19th
Net income CAGR, 3 yr — — 12.8%
50th
EPS growth (TTM YoY) — 3,522.1%
100th
21.4%
37th
EPS CAGR, 3 yr — — 22.2%
73rd
EPS CAGR, 5 yr — — 13.0%
81st
FCF growth (TTM YoY) n/a n/a n/a
FCF CAGR, 3 yr n/a n/a n/a
Operating cash flow CAGR, 3 yr n/a n/a n/a
Book value CAGR, 3 yr 1.6%
17th
22.8%
89th
17.0%
75th
Dividend CAGR, 3 yr 0.8%
30th
— 9.2%
91st
Sustainable growth rate — 45.1%
88th
17.8%
53rd

Margin history & stability

7 measures
MeasureGPNAFRMSYF
Gross margin, 3-yr average n/a n/a n/a
Operating margin, 3-yr average 20.3%
56th
-4.6%
5th
22.3%
62nd
Net margin, 3-yr average 7.3%
36th
8.5%
44th
17.1%
77th
FCF margin, 3-yr average n/a n/a n/a
Revenue stability (0-1) 0.70
31st
0.98
85th
0.86
51st
Earnings stability (0-1) 0.07
18th
0.54
64th
0.00
3rd
Margin stability (0-1) 0.91
82nd
0.83
51st
0.78
36th

Liquidity (latest quarter)

7 measures
MeasureGPNAFRMSYF
Cash & short-term investments n/a n/a n/a
Net cash (− = net debt) n/a n/a n/a
Working capital n/a n/a n/a
Current ratio n/a n/a n/a
Quick ratio n/a n/a n/a
Cash ratio (cash + ST investments / current liabilities) n/a n/a n/a
Defensive interval (days) n/a n/a n/a

Leverage & solvency (latest quarter)

13 measures
MeasureGPNAFRMSYF
Total debt n/a n/a n/a
Debt / equity n/a n/a n/a
Net debt / equity n/a n/a n/a
Debt / assets n/a n/a n/a
Debt / capital n/a n/a n/a
Debt / EBITDA n/a n/a n/a
Net debt / EBITDA n/a n/a n/a
Interest coverage (EBIT / interest) n/a n/a n/a
Cash interest coverage n/a n/a n/a
Debt payback (years of OCF) n/a n/a n/a
Liabilities / assets 62.3%
14th
65.3%
21st
86.1%
62nd
IS credit model rating BB AA AAA
Implied credit spread (bps) 475
81st
80
17th
50
0th

Efficiency

11 measures
MeasureGPNAFRMSYF
Asset turnover n/a n/a n/a
Fixed asset turnover n/a n/a n/a
Inventory turnover n/a n/a n/a
Receivables turnover n/a n/a n/a
Days sales outstanding n/a n/a n/a
Days inventory outstanding n/a n/a n/a
Days payables outstanding n/a n/a n/a
Cash conversion cycle (days) n/a n/a n/a
Capex / revenue n/a n/a n/a
Capex / depreciation n/a n/a n/a
Operating expense ratio n/a n/a n/a

Cash flow & earnings quality

7 measures
MeasureGPNAFRMSYF
Operating cash flow / net income n/a n/a n/a
FCF / net income n/a n/a n/a
FCF / operating cash flow n/a n/a n/a
Capex / operating cash flow n/a n/a n/a
Accruals ratio n/a n/a n/a
Sloan accruals ratio n/a n/a n/a
Earnings quality score (0-1) n/a n/a n/a

Dividends & buybacks

9 measures
MeasureGPNAFRMSYF
Dividend yield 1.2%
64th
0.0%
0th
1.7%
69th
Dividend per share (TTM) $1.00
67th
$0.00
0th
$1.24
76th
Payout ratio (dividends / net income) — 0.0%
0th
14.3%
53rd
Dividends / FCF n/a n/a n/a
Dividend growth (YoY) -4.2%
32nd
— 16.2%
84th
Buyback yield 5.1%
71st
0.5%
29th
15.1%
98th
Shareholder yield (dividends + buybacks) 6.3%
67th
0.5%
19th
17.2%
93rd
Share count change (YoY) 6.3%
90th
2.1%
79th
-11.9%
8th
Buybacks, last 5 years $5.7B
88th
$449.2M
57th
$13.4B
90th

Scores & forensic checks

15 measures
MeasureGPNAFRMSYF
IS score 23
5th
67
81st
56
52nd
IS profitability 24
7th
89
93rd
66
71st
IS growth 44
23rd
81
92nd
43
21st
IS value 49
26th
65
45th
87
86th
IS momentum 44
10th
80
54th
73
36th
IS risk (safety) 100
45th
100
45th
100
45th
IS quality 40
10th
64
67th
78
88th
IS balance sheet 36
48th
42
50th
58
79th
IS earnings quality 48
21st
66
43rd
65
40th
IS cash flow 26
5th
62
43rd
82
76th
Piotroski F-score (0-9) 2
2nd
6
29th
7
45th
Altman Z-score — — —
Beneish M-score — — —
Ohlson O-score −7.06
31st
−8.18
10th
−6.89
38th
IS credit score 43
14th
87
71st
95
100th

Per share

7 measures
MeasureGPNAFRMSYF
EPS, diluted (TTM) −$3.68
2nd
$5.52
51st
$10.53
73rd
Book value per share $89.09
88th
$15.68
32nd
$50.57
76th
Tangible book per share −$86.44
0th
$14.55
50th
$46.43
64th
Revenue per share $39.30
46th
$11.97
15th
$56.75
59th
FCF per share n/a n/a n/a
Operating cash flow per share n/a n/a n/a
Cash per share n/a n/a n/a

Size (TTM)

8 measures
MeasureGPNAFRMSYF
Market cap $22.1B
86th
$22.0B
83rd
$24.0B
88th
Revenue $10.2B
81st
$4.2B
71st
$19.0B
86th
EBITDA $3.9B
83rd
$1.3B
71st
$5.2B
86th
Net income −$955.9M
2nd
$1.9B
86th
$3.5B
88th
Free cash flow n/a n/a n/a
Total assets $63.6B
83rd
$15.8B
55th
$121.9B
90th
Shareholders' equity $23.1B
90th
$5.5B
76th
$16.9B
86th
Employees 26,000
90th
2,358
50th
20,000
83rd

Price performance

9 measures
MeasureGPNAFRMSYF
1 day −0.6% −2.5% −0.5%
1 week +1.8% −8.3% +1.2%
1 month −2.0% +5.3% −1.0%
3 months +1.9% −1.7% +0.3%
6 months +16.4% +14.7% −6.0%
Year to date +11.9% −0.0% −12.6%
1 year −1.6% +1.3% +2.3%
3 years, cumulative −24.9% +267.7% +160.7%
5 years, cumulative −44.8% −47.6% +62.7%

Technicals

4 measures
MeasureGPNAFRMSYF
RSI 14 49.4 50.4 50.0
From 52-week high −12.5% −18.2% −16.7%
From 52-week low +37.7% +75.8% +16.8%
Beta 0.81 3.82 1.34
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms