Synchrony Financial [SYF.PR.B] vs CPI Card [PMTS] Detailed Stock Comparison

Synchrony Financial

NYSE
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CPI Card Group Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Synchrony Financial wins in 10 metrics, CPI Card Group Inc. wins in 3 metrics, with 1 ties. Synchrony Financial appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Synchrony Financial CPI Card Group Inc. Better
P/E Ratio (TTM) N/A 14.14 N/A
Price-to-Book Ratio 0.59 -11.98 Synchrony Financial
Debt-to-Equity Ratio 0.98 -19.47 Synchrony Financial
PEG Ratio N/A 2.87 N/A
EV/EBITDA N/A 6.71 N/A
Profit Margin (TTM) 36.39% 2.75% Synchrony Financial
Operating Margin (TTM) 44.31% 9.28% Synchrony Financial
EBITDA Margin (TTM) 44.31% 9.28% Synchrony Financial
Return on Equity 21.78% -86.25% Synchrony Financial
Return on Assets (TTM) 2.96% 9.11% CPI Card Group Inc.
Free Cash Flow (TTM) $9.85B $41.33M Synchrony Financial
Dividend Yield 7.96% N/A N/A
1-Year Return 3.61% -23.76% Synchrony Financial
Price-to-Sales Ratio (TTM) 0.00 0.37 Tie
Enterprise Value $5.93B $518.27M Synchrony Financial
EV/Revenue Ratio 0.60 0.95 Synchrony Financial
Gross Profit Margin (TTM) N/A 31.55% N/A
Revenue per Share (TTM) $28 $48 CPI Card Group Inc.
Earnings per Share (Diluted) N/A $1.25 N/A
Beta (Stock Volatility) 1.38 1.03 CPI Card Group Inc.
Short % of Float N/A 5.09% N/A

Synchrony Financial vs CPI Card Group Inc. Stock Performance Analysis

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SYF.PR.B
PMTS

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Synchrony Financial-0.31%0.15%-1.44%-0.35%-0.50%-1.37%
CPI Card Group Inc.-3.17%-8.83%-5.48%29.68%14.40%13.99%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Synchrony Financial3.61%3.77%3.77%3.77%3.77%3.77%
CPI Card Group Inc.-23.76%-37.86%-12.30%-19.76%-72.11%-72.11%

Performance & Financial Health Analysis: Synchrony Financial vs CPI Card Group Inc.

MetricSYF.PR.BPMTS
Market Information
Market Cap i$0$208.24M
Market Cap CategoryMicro capMicro cap
10 Day Avg. Volume i84,89941,345
90 Day Avg. Volume i60,30147,835
Last Close$25.93$16.21
52 Week Range$24.84 - $26.73$10.81 - $25.50
% from 52W High-2.99%-36.43%
All-Time High$26.71 (Nov 11, 2024)$67.50 (Oct 12, 2015)
% from All-Time High-2.92%-75.99%
Growth Metrics
Quarterly Revenue Growth0.06%0.22%
Quarterly Earnings Growth0.06%0.09%
Financial Health
Profit Margin (TTM) i0.36%0.03%
Operating Margin (TTM) i0.44%0.09%
Return on Equity (TTM) i0.22%-0.86%
Debt to Equity (MRQ) i0.98-19.47
Cash & Liquidity
Book Value per Share (MRQ)$44.74$-1.51
Cash per Share (MRQ)$61.04$1.89
Operating Cash Flow (TTM) i$4.31B$59.50M
Levered Free Cash Flow (TTM) i$3.47B$17.92M
Dividends
Last 12-Month Dividend Yield i7.96%N/A
Last 12-Month Dividend i$2.08$0.00

Valuation & Enterprise Metrics Analysis: Synchrony Financial vs CPI Card Group Inc.

MetricSYF.PR.B (Apr 26, 2026)PMTS (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) iN/A14.14
Forward P/E iN/A5.11
PEG Ratio iN/A2.87
Price to Sales (TTM) i0.000.37
Price to Book (MRQ) i0.59-11.98
Market Capitalization
Market Capitalization i$0$208.24M
Enterprise Value i$5.93B$518.27M
Enterprise Value Metrics
Enterprise to Revenue i0.600.95
Enterprise to EBITDA iN/A6.71
Risk & Other Metrics
Beta i1.381.03
Book Value per Share (MRQ) i$44.74$-1.51

Financial Statements Comparison: Synchrony Financial vs CPI Card Group Inc.

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)PMTS (2025)
Revenue/Sales i14.98B543.53M
Cost of Goods Sold iN/A373.44M
COGS % of Revenue i0.0%68.7%
Gross Profit iN/A170.10M
Gross Margin i0.0%31.3%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A54.84M
Operating Margin i0.0%10.1%
EBITDA iN/A77.59M
EBITDA Margin i0.0%14.3%
Pre-Tax Income i4.62B21.74M
Pre-Tax Income % of Revenue i30.8%4.0%
Income Tax i1.07B6.66M
Income Tax % of Revenue i7.1%1.2%
Net Income (Profit) i3.55B14.95M
Profit Margin i23.7%2.8%

Balance Sheet & Liquidity Metrics

MetricSYF.PR.B (2025)PMTS (2025)
Cash & Equivalents i14.97B21.70M
Total Current Assets iN/A204.94M
Total Current Assets % of Revenue i0.0%37.7%
Total Current Liabilities iN/A84.10M
Total Current Liabilities % of Revenue i0.0%15.5%
Long-Term Debt i15.18B286.67M
Long-Term Debt % of Revenue i101.3%52.7%
Total Shareholders Equity i16.77B-17.33M
Retained Earnings i24.60B84.75M
Retained Earnings % of Revenue i164.2%15.6%
Property, Plant & Equipment iN/A75.58M

Cash Flow Statement Comparison

MetricSYF.PR.B (2025)PMTS (2025)
Operating Cash Flow i4.31B61.14M
Operating Cash Flow % of Revenue i28.8%11.2%
Capital Expenditures iN/AN/A
Free Cash Flow i9.85B41.33M
FCF Margin i65.8%7.6%
Debt Repayment i-4.33B-70.37M
Common Stock Repurchase i-2.94B0

Short Interest & Institutional Ownership Analysis

MetricSYF.PR.BPMTS
Shares Short i37,216360,780
Short Ratio i1.013.92
Short % of Float iN/A5.09%
Shares Outstanding i347.40M11.46M
Float Shares i334.61M5.99M
% Held by Insiders i0.00%4.39%
% Held by Institutions i33.22%74.67%
% Held by Public i66.78%20.94%

Dividend Analysis & Yield Comparison: Synchrony Financial vs CPI Card Group Inc.

MetricSYF.PR.BPMTS
Last 12-Month Dividend i$2.08$0.00
Last 12-Month Dividend Yield i7.96%N/A
3-Year Avg Annual Dividend i$1.37$0.00
3-Year Avg Dividend Yield i1.99%N/A
3-Year Total Dividends i$4.11$0.00
Ex-Dividend DateFeb 06, 2026N/A