PennyMac Financial Services, Inc. vs Synchrony Financial, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where PFSI and SYF diverge most: on revenue growth, PFSI reads +26.6% and SYF reads +3.0%; on ev/ebitda, PFSI reads 171.9 and SYF reads 43.1. The rest of the comparable metrics sit closer together. What SYF's price implies is a bet that sits within the historical range (earnings-power basis). The bull and bear cases for each are in their full reports below.
| Metric | PFSI | SYF |
|---|---|---|
| Price | $59.95 | $72.80 |
| Market cap | $3.1B | $23.7B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | 8.2 | 7.5 |
| P/B | 0.72 | 1.40 |
| P/S | 1.41 | 1.27 |
| EV/EBITDA | 171.9 | 43.1 |
| Revenue growth | +26.6% | +3.0% |
| Net margin | 17.7% | 18.8% |
| Return on equity | 9.1% | 20.8% |
| Return on assets | 1.3% | 2.9% |
| Dividend yield | 2.0% | 1.6% |
| Debt / equity | 1.46 | 0.97 |
| Altman Z (solvency) | 0.35 | 0.59 |
| Piotroski F (quality) | 6 / 9 | 8 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.