Analyzing Synchrony Financial (NYSE:SYF) & Webull (NASDAQ:BULL)

Synchrony Financial (NYSE:SYF) and Webull (NASDAQ:BULL) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their valuation, analyst recommendations, profitability, institutional ownership, risk, dividends and earnings.

Risk and Volatility

Synchrony Financial has a beta of 1.51, indicating that its share price is 51% more volatile than the S&P 500. Comparatively, Webull has a beta of -0.17, indicating that its share price is 117% less volatile than the S&P 500.

Profitability

This table compares Synchrony Financial and Webull’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Synchrony Financial	15.84%	22.96%	2.99%
Webull	N/A	-0.38%	0.21%

Valuation and Earnings

This table compares Synchrony Financial and Webull”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Synchrony Financial	$22.65 billion	1.17	$3.50 billion	$9.16	8.01
Webull	$390.23 million	12.30	-$22.69 million	($1.12)	-8.67

Synchrony Financial has higher revenue and earnings than Webull. Webull is trading at a lower price-to-earnings ratio than Synchrony Financial, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Synchrony Financial and Webull, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Synchrony Financial	0	9	10	1	2.60
Webull	1	1	2	1	2.60

Synchrony Financial currently has a consensus price target of $81.38, suggesting a potential upside of 10.93%. Webull has a consensus price target of $18.50, suggesting a potential upside of 90.53%. Given Webull’s higher probable upside, analysts plainly believe Webull is more favorable than Synchrony Financial.

Insider & Institutional Ownership

96.5% of Synchrony Financial shares are held by institutional investors. Comparatively, 92.5% of Webull shares are held by institutional investors. 0.3% of Synchrony Financial shares are held by insiders. Comparatively, 35.0% of Webull shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Summary

Synchrony Financial beats Webull on 10 of the 13 factors compared between the two stocks.

About Synchrony Financial

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, jewelry, pets, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

About Webull

Webull Corp. engages in the provision of financial services. It offers trading, wealth management product distribution, market data and information, user community, and investor education. The company was founded by An Quan Wang in 2016 and is headquartered in St. Petersburg, FL.