Synchrony Financial (NYSE:SYF) vs. CNFinance (NYSE:CNF) Head-To-Head Review

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

Analyst Recommendations

This is a summary of recent ratings and price targets for Synchrony Financial and CNFinance, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Synchrony Financial 0 4 10 0 2.71
CNFinance 0 0 0 0 N/A

Synchrony Financial currently has a consensus target price of $38.54, indicating a potential upside of 15.28%. Given Synchrony Financial’s higher possible upside, equities analysts clearly believe Synchrony Financial is more favorable than CNFinance.

Earnings and Valuation

This table compares Synchrony Financial and CNFinance’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Synchrony Financial $18.25 billion 1.22 $2.79 billion $3.74 8.94
CNFinance $622.68 million 0.58 $130.08 million N/A N/A

Synchrony Financial has higher revenue and earnings than CNFinance.

Profitability

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

Net Margins Return on Equity Return on Assets
Synchrony Financial 17.82% 19.50% 2.68%
CNFinance N/A N/A N/A

Dividends

Synchrony Financial pays an annual dividend of $0.88 per share and has a dividend yield of 2.6%. CNFinance does not pay a dividend. Synchrony Financial pays out 23.5% of its earnings in the form of a dividend. Synchrony Financial has increased its dividend for 2 consecutive years.

Insider and Institutional Ownership

88.5% of Synchrony Financial shares are owned by institutional investors. Comparatively, 0.7% of CNFinance shares are owned by institutional investors. 0.3% of Synchrony Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Synchrony Financial beats CNFinance on 12 of the 13 factors compared between the two stocks.

About Synchrony Financial

Synchrony Financial operates as a consumer financial services company in the United States. The company offers private label credit cards, dual cards, general purpose co-branded credit cards, and small and medium-sized business credit products; and promotional financing for consumer purchases, such as private label credit cards and installment loans. It also provides promotional financing to consumers for health, veterinary and personal care procedures, and services and products, such as dental, vision, audiology, and cosmetic; debt cancellation products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. 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. Synchrony Financial was incorporated in 2003 and is headquartered in Stamford, Connecticut.

About CNFinance

CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in the People's Republic of China. It offers micro credit loan services for micro and small-enterprise owners, and loan lending agency services for banks. The company also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. It operates through a network of 73 branches and sub-branches. The company was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.

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