Synchrony Financial [SYF.PR.B] vs Open Lending [LPRO] Detailed Stock Comparison

Synchrony Financial

NYSE
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Open Lending Corporation

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Synchrony Financial wins in 12 metrics, Open Lending Corporation wins in 1 metrics, with 1 ties. Synchrony Financial appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Synchrony Financial Open Lending Corporation Better
P/E Ratio (TTM) N/A 29.25 N/A
Price-to-Book Ratio 0.59 2.68 Synchrony Financial
Debt-to-Equity Ratio 0.98 117.46 Synchrony Financial
PEG Ratio N/A -0.29 N/A
EV/EBITDA N/A 17.87 N/A
Profit Margin (TTM) 36.39% -4.54% Synchrony Financial
Operating Margin (TTM) 44.31% 3.91% Synchrony Financial
EBITDA Margin (TTM) 44.31% 3.91% Synchrony Financial
Return on Equity 21.78% -5.54% Synchrony Financial
Return on Assets (TTM) 2.96% 1.41% Synchrony Financial
Free Cash Flow (TTM) $9.85B $-4.22M Synchrony Financial
Dividend Yield 7.96% N/A N/A
1-Year Return 3.61% 27.37% Open Lending Corporation
Price-to-Sales Ratio (TTM) 0.00 2.17 Tie
Enterprise Value $5.93B $112.66M Synchrony Financial
EV/Revenue Ratio 0.60 1.21 Synchrony Financial
Gross Profit Margin (TTM) N/A 75.99% N/A
Revenue per Share (TTM) $28 $1 Synchrony Financial
Earnings per Share (Diluted) N/A $-0.04 N/A
Beta (Stock Volatility) 1.38 2.03 Synchrony Financial
Short % of Float N/A 2.31% N/A

Synchrony Financial vs Open Lending Corporation Stock Performance Analysis

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SYF.PR.B
LPRO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Synchrony Financial-0.31%0.15%-1.44%-0.35%-0.50%-1.37%
Open Lending Corporation-12.10%-10.29%23.16%62.69%17.20%39.74%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Synchrony Financial3.61%3.77%3.77%3.77%3.77%3.77%
Open Lending Corporation27.37%-78.43%-94.18%-76.37%-76.37%-76.37%

Performance & Financial Health Analysis: Synchrony Financial vs Open Lending Corporation

MetricSYF.PR.BLPRO
Market Information
Market Cap i$0$197.42M
Market Cap CategoryMicro capMicro cap
10 Day Avg. Volume i84,899653,054
90 Day Avg. Volume i60,301660,675
Last Close$25.93$2.18
52 Week Range$24.84 - $26.73$1.17 - $2.70
% from 52W High-2.99%-19.26%
All-Time High$26.71 (Nov 11, 2024)$44.00 (Jun 28, 2021)
% from All-Time High-2.92%-95.05%
Growth Metrics
Quarterly Revenue Growth0.06%-0.20%
Quarterly Earnings Growth0.06%-1.34%
Financial Health
Profit Margin (TTM) i0.36%-0.05%
Operating Margin (TTM) i0.44%0.04%
Return on Equity (TTM) i0.22%-0.06%
Debt to Equity (MRQ) i0.98117.46
Cash & Liquidity
Book Value per Share (MRQ)$44.74$0.64
Cash per Share (MRQ)$61.04$1.50
Operating Cash Flow (TTM) i$4.31B$-3,194,000
Levered Free Cash Flow (TTM) i$3.47B$-5,080,500
Dividends
Last 12-Month Dividend Yield i7.96%N/A
Last 12-Month Dividend i$2.08N/A

Valuation & Enterprise Metrics Analysis: Synchrony Financial vs Open Lending Corporation

MetricSYF.PR.B (Apr 26, 2026)LPRO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) iN/A29.25
Forward P/E iN/A9.50
PEG Ratio iN/A-0.29
Price to Sales (TTM) i0.002.17
Price to Book (MRQ) i0.592.68
Market Capitalization
Market Capitalization i$0$197.42M
Enterprise Value i$5.93B$112.66M
Enterprise Value Metrics
Enterprise to Revenue i0.601.21
Enterprise to EBITDA iN/A17.87
Risk & Other Metrics
Beta i1.382.03
Book Value per Share (MRQ) i$44.74$0.64

Financial Statements Comparison: Synchrony Financial vs Open Lending Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSYF.PR.B (2025)LPRO (2025)
Revenue/Sales i14.98B93.22M
Cost of Goods Sold iN/A21.56M
COGS % of Revenue i0.0%23.1%
Gross Profit iN/A71.66M
Gross Margin i0.0%76.9%
Research & Development iN/A8.78M
Operating Income (EBIT) iN/A-5.01M
Operating Margin i0.0%-5.4%
EBITDA iN/A6.70M
EBITDA Margin i0.0%7.2%
Pre-Tax Income i4.62B-5.37M
Pre-Tax Income % of Revenue i30.8%-5.8%
Income Tax i1.07B-1.13M
Income Tax % of Revenue i7.1%-1.2%
Net Income (Profit) i3.55B-4.24M
Profit Margin i23.7%-4.5%

Balance Sheet & Liquidity Metrics

MetricSYF.PR.B (2025)LPRO (2025)
Cash & Equivalents i14.97B176.61M
Total Current Assets iN/A222.69M
Total Current Assets % of Revenue i0.0%238.9%
Total Current Liabilities iN/A49.26M
Total Current Liabilities % of Revenue i0.0%52.8%
Long-Term Debt i15.18B107.22M
Long-Term Debt % of Revenue i101.3%115.0%
Total Shareholders Equity i16.77B74.96M
Retained Earnings i24.60B-333.00M
Retained Earnings % of Revenue i164.2%-357.2%
Property, Plant & Equipment iN/A3.52M

Cash Flow Statement Comparison

MetricSYF.PR.B (2025)LPRO (2025)
Operating Cash Flow i4.31B-6.92M
Operating Cash Flow % of Revenue i28.8%-7.4%
Capital Expenditures iN/A-56,000
Free Cash Flow i9.85B-4.22M
FCF Margin i65.8%-4.5%
Debt Repayment i-4.33B-55.50M
Common Stock Repurchase i-2.94B-4.89M

Short Interest & Institutional Ownership Analysis

MetricSYF.PR.BLPRO
Shares Short i37,2162.71M
Short Ratio i1.014.45
Short % of Float iN/A2.31%
Shares Outstanding i347.40M117.66M
Float Shares i334.61M88.75M
% Held by Insiders i0.00%1.34%
% Held by Institutions i33.22%77.00%
% Held by Public i66.78%21.66%

Dividend Analysis & Yield Comparison: Synchrony Financial vs Open Lending Corporation

MetricSYF.PR.BLPRO
Last 12-Month Dividend i$2.08N/A
Last 12-Month Dividend Yield i7.96%N/A
3-Year Avg Annual Dividend i$1.37N/A
3-Year Avg Dividend Yield i1.99%N/A
3-Year Total Dividends i$4.11N/A
Ex-Dividend DateFeb 06, 2026N/A