COMPARE · Data as of August 28, 2026
PYPL vs SYF
Verdict: Side-by-side breakdown using the Bull Rankings model. PYPL scored 91.0, SYF scored 85.0 — PYPL leads.
Compare another set
Different reporting periods. SYF's fundamentals are as of June 2026, but PYPL's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
PYPL
PayPal Holdings, Inc.
63.6Fin
$54.00 · $46.2B
fundamentals as of
Strength gap
7.8
SYF leads
SYF
Synchrony Financial
71.4Fin
$78.05 · $25.4B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestSYF8.2x
- Fastest growthPYPL+5.8%
- Largest discount to fair valueSYF-82%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
PYPL
SYF
$5.5bB+
FCF
$9.7bB+
+5.8%C+
Rev
-0.5%D+
0.72B
D/E
—
10.2xA-
P/E
8.2xA-
1.14B+
PEG
1.14B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
PYPL
SYF
36% below
Price vs fair valuelower is cheaper
82% below
~-6%/yr
Growth the price implies10-yr FCF · lower = less priced in
decline
+48%
1-yr DCF upside
+392%
+57%
5-yr DCF upside
+452%
+70%
10-yr DCF upside
+547%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
The companies
PYPLPayPal Holdings, Inc.
Why now
Credit Services · market cap $46.2b. Down 32% from 52-week high of $79.22 — deep drawdown territory. 33 sell-side analysts rate this a Hold with a mean 1-yr target of $60.20 (implying +11% upside).
Moat
Net margin 15% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 25% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. FCF converts 109% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 32% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
SYFSynchrony Financial
Why now
Credit Services · market cap $25.4b. 12% off the 52-week high of $88.77. 23 sell-side analysts rate this a Buy with a mean 1-yr target of $89.30 (implying +14% upside).
Moat
Net margin 36% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 21% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.