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SYF vs GPN vs AFRM

161 measures in 16 categories, one definition each, computed from filings and market data.

SYF55.8

Synchrony Financial

Financial Services · Financial - Credit Services

$73.68 −0.51%$24.0B mkt cap

Score DNA

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

Price, rebased to 100 three years ago

SYF GPN AFRM · weekly adjusted closes

Smart money 8 Valuation 16 Profitability (TTM) 12 Returns on capital 11 Growth 17 Margin history & stability 7 Liquidity (latest quarter) 7 Leverage & solvency (latest quarter) 13 Efficiency 11 Cash flow & earnings quality 7 Dividends & buybacks 9 Scores & forensic checks 15 Per share 7 Size (TTM) 8 Price performance 9 Technicals 4

● 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

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

Valuation

16 measures

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

Profitability (TTM)

12 measures

Measure	SYF	GPN	AFRM
Gross margin	n/a	n/a	n/a
EBITDA margin	n/a	n/a	n/a
Operating margin	24.3% 62nd	11.9% 21st	15.5% 31st
EBIT margin	24.3% 67th	14.6% 29th	22.6% 64th
Net margin	18.6% 81st	-9.4% 5th	46.1% 95th
NOPAT margin	18.6% 57th	9.3% 19th	60.7% 98th
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	13.9% 43rd	52.0% 93rd	22.0% 64th
Stock comp / revenue	0.0% 0th	0.9% 48th	3.9% 95th
Effective tax rate	23.8% 72nd	21.2% 45th	—

Returns on capital

11 measures

Measure	SYF	GPN	AFRM
ROE (on average equity)	20.8% 52nd	-4.2% 7th	45.1% 88th
ROA	2.9% 60th	-1.7% 5th	14.3% 90th
ROIC	n/a	n/a	n/a
ROCE	n/a	n/a	n/a
Return on tangible assets	3.8% 45th	2.6% 31st	7.0% 64th
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	21.1% 67th	2.5% 19th	-9.6% 8th
Incremental ROIC	n/a	n/a	n/a

Growth

17 measures

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

Margin history & stability

7 measures

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

Liquidity (latest quarter)

7 measures

Measure	SYF	GPN	AFRM
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

Measure	SYF	GPN	AFRM
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	86.1% 62nd	62.3% 14th	65.3% 21st
IS credit model rating	AAA	BB	AA
Implied credit spread (bps)	50 0th	475 81st	80 17th

Efficiency

11 measures

Measure	SYF	GPN	AFRM
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

Measure	SYF	GPN	AFRM
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

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

Scores & forensic checks

15 measures

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

Per share

7 measures

Measure	SYF	GPN	AFRM
EPS, diluted (TTM)	$10.53 73rd	−$3.68 2nd	$5.52 51st
Book value per share	$50.57 76th	$89.09 88th	$15.68 32nd
Tangible book per share	$46.43 64th	−$86.44 0th	$14.55 50th
Revenue per share	$56.75 59th	$39.30 46th	$11.97 15th
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

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

Price performance

9 measures

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

Technicals

4 measures

Measure	SYF	GPN	AFRM
RSI 14	50.0	49.4	50.4
From 52-week high	−16.7%	−12.5%	−18.2%
From 52-week low	+16.8%	+37.7%	+75.8%
Beta	1.34	0.81	3.82

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

SYF vs GPN vs AFRM

Price, rebased to 100 three years ago

Smart money

Valuation

Profitability (TTM)

Returns on capital

Growth

Margin history & stability

Liquidity (latest quarter)

Leverage & solvency (latest quarter)

Efficiency

Cash flow & earnings quality

Dividends & buybacks

Scores & forensic checks

Per share

Size (TTM)

Price performance

Technicals

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