Compare Stocks › AAPL vs SYF
Apple Inc. (AAPL) vs Synchrony Financial (SYF)
AAPL
Apple Inc.
$280.25
VS
SYF
Synchrony Financial
$75.76
Rewards
AAPL
- ★Apple Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Apple Inc. scores 96/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
SYF
- ★Free cash flow has grown at a 13.7% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Share count has been reduced by 21% over the past 4 years through buybacks, increasing each share's claim on earnings.
- ★PEG ratio of 0.39 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
Risks
AAPL
- ⚠FCF yield of 2.5% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠Insiders have sold $24.6M worth of stock in the past 3 months — significant insider liquidation.
SYF
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Altman Z-Score of 0.58 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠13 insider sales totaling $33.7M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →AAPL
SYF
Valuation
$101.09B
Free Cash Flow
N/A
2.46%
FCF Yield
N/A
33.93
Trailing P/E
7.84
29.30
Forward P/E
7.23
Quality & Moat
60.20%
ROIC
22.85%
105.18%
ROE
N/A
47.86%
Gross Margin
0.00%
1.56
PEG Ratio
0.39
Balance Sheet Safety
0.80
Debt / Equity
N/A
N/A
Interest Coverage
N/A
0.10
Net Debt / EBITDA
N/A
0.39%
Dividend Yield
1.58%
AAPL: 2Ties: 1SYF: 4
AAPLSYF
Historical Fundamentals
Learn more →AAPL
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
SYF
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →AAPL
$7.57
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$257.06B
Δ Market Cap
+$1.94T
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
SYF
$1.86
created per $1 retained over 3 years
Value Creator
Σ Retained
$7.86B
Δ Market Cap
+$14.58B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →AAPL
58.6% Overvalued
Price is 58.6% above estimated fair value
Current Price: $280.25
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $176.66
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
SYF
76.1% Margin of Safety
Price is 76.1% below estimated fair value
Current Price: $75.76
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $317.53
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AAPL
What growth rate is the market pricing in at $280?
+16.0%
Market-Implied Owner Earnings Growth
Standard FCF implies +17.4%
The market implies +16.0% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +17.4%, reflecting heavy growth investment.
SYF
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →AAPL
96/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
SYF
45/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving reinvestment efficiency would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →AAPL
-2.29
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
SYF
-2.82
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →AAPL
Insiders 1.6%Institutions 65.3%Retail & Other 33.0%
No. of Institutional Holders7,540
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
SYF
Insiders 0.4%Institutions 110.3%
No. of Institutional Holders1,373
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →AAPL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
SYF
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →AAPL
3
Sells (3M)
11
Sells (12M)
Total value (12M): $112.79M
PAREKH KEVAN
Chief Financial Officer
$421,850
@ $275.00 · 2026-04-23
O'BRIEN DEIRDRE
Officer
$7.66M
@ $255.35 · 2026-04-02
COOK TIMOTHY D
Chief Executive Officer
$16.51M
@ $254.23 · 2026-04-02
KONDO CHRISTOPHER
Officer
$1.02M
@ $271.23 · 2025-11-07
PAREKH KEVAN
Chief Financial Officer
$1.04M
@ $247.39 · 2025-10-16
O'BRIEN DEIRDRE
Officer
$11.07M
@ $257.39 · 2025-10-02
ADAMS KATHERINE L
General Counsel
$12.10M
@ $256.79 · 2025-10-02
COOK TIMOTHY D
Chief Executive Officer
$33.38M
@ $256.81 · 2025-10-02
LEVINSON ARTHUR D
Director
$20.89M
@ $232.07 · 2025-08-28
O'BRIEN DEIRDRE
Officer
$7.77M
@ $223.20 · 2025-08-08
KONDO CHRISTOPHER
Officer
$933,955
@ $208.19 · 2025-05-12
PAREKH KEVAN
Chief Financial Officer
$941,420
@ $206.00 · 2025-04-23
COOK TIMOTHY D
Chief Executive Officer
$24.18M
@ $223.65 · 2025-04-02
ADAMS KATHERINE L
General Counsel
$8.68M
@ $223.67 · 2025-04-02
WILLIAMS JEFFREY E
Chief Operating Officer
$7.95M
@ $224.01 · 2025-04-02
LEVINSON ARTHUR D
Director
$343,147
@ $226.35 · 2025-02-03
LEVINSON ARTHUR D
Director
$45.46M
@ $227.32 · 2024-11-19
KONDO CHRISTOPHER
Officer
$945,233
@ $228.87 · 2024-11-18
MAESTRI LUCA
Chief Financial Officer
$13.43M
@ $226.52 · 2024-10-04
O'BRIEN DEIRDRE
Officer
$13.84M
@ $226.87 · 2024-10-02
ADAMS KATHERINE L
General Counsel
$13.80M
@ $226.20 · 2024-10-02
WILLIAMS JEFFREY E
Chief Operating Officer
$13.55M
@ $226.86 · 2024-10-02
COOK TIMOTHY D
Chief Executive Officer
$50.28M
@ $224.46 · 2024-10-02
KONDO CHRISTOPHER
Officer
$1.96M
@ $225.00 · 2024-08-15
KONDO CHRISTOPHER
Officer
$1.12M
@ $216.50 · 2024-08-09
ADAMS KATHERINE L
General Counsel
$20.64M
@ $206.44 · 2024-08-05
LEVINSON ARTHUR D
Director
$14.37M
@ $191.58 · 2024-05-30
KONDO CHRISTOPHER
Officer
$951,785
@ $190.40 · 2024-05-15
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
SYF
13
Sells (3M)
26
Sells (12M)
Total value (12M): $47.67M
WENZEL BRIAN J SR.
Chief Financial Officer
$4.49M
@ $67.32 · 2026-03-03
CASELLAS ALBERTO B
Officer
$974,956
@ $67.71 · 2026-03-02
HOWSE CURTIS
Officer
$533,690
@ $67.71 · 2026-03-02
DOUBLES BRIAN D
Chief Executive Officer
$14.94M
@ $68.68 · 2026-03-02
JUEL CAROL D
Chief Technology Officer
$1.14M
@ $67.71 · 2026-03-02
SCHALLER BARTON W
Officer
$878,876
@ $67.71 · 2026-03-02
OWENS DARRELL
Officer
$261,699
@ $67.71 · 2026-03-02
GENTLEMAN COURTNEY
Officer
$293,726
@ $67.71 · 2026-03-02
CASELLAS ALBERTO B
Officer
$2.93M
@ $70.60 · 2026-02-17
JUEL CAROL D
Chief Operating Officer
$3.14M
@ $70.60 · 2026-02-17
SCHALLER BARTON W
Officer
$2.49M
@ $70.60 · 2026-02-17
OWENS DARRELL
Officer
$727,462
@ $70.60 · 2026-02-17
GENTLEMAN COURTNEY
Officer
$850,377
@ $70.60 · 2026-02-17
COVIELLO ARTHUR W JR
Director
$289,280
@ $72.32 · 2026-02-02
HOWSE CURTIS
Officer
$3.80M
@ $72.32 · 2026-02-02
MOTHNER JONATHAN S
Officer
$2.33M
@ $72.80 · 2025-11-17
COVIELLO ARTHUR W JR
Director
$591,440
@ $73.93 · 2025-11-03
HOWSE CURTIS
Officer
$894,606
@ $74.02 · 2025-11-03
OWENS DARRELL
Officer
$221,246
@ $74.02 · 2025-11-03
WENZEL BRIAN J SR.
Chief Financial Officer
$595,980
@ $70.00 · 2025-08-05
NAYLOR JEFFREY G
Director
$1.38M
@ $68.75 · 2025-08-05
OWENS DARRELL
Officer
$40,770
@ $67.95 · 2025-08-04
GENTLEMAN COURTNEY
Officer
$48,177
@ $67.95 · 2025-08-04
HOWSE CURTIS
Officer
$739,700
@ $65.00 · 2025-06-24
NAYLOR JEFFREY G
Director
$650,000
@ $65.00 · 2025-06-24
MOTHNER JONATHAN S
Officer
$2.44M
@ $60.07 · 2025-05-19
CASELLAS ALBERTO B
Officer
$3.48M
@ $60.01 · 2025-03-03
WENZEL BRIAN J SR.
Chief Financial Officer
$3.76M
@ $60.01 · 2025-03-03
HOWSE CURTIS
Officer
$2.04M
@ $60.01 · 2025-03-03
JUEL CAROL D
Officer
$5.41M
@ $59.19 · 2025-03-03
SCHALLER BARTON W
Officer
$4.45M
@ $59.18 · 2025-03-03
OWENS DARRELL
Officer
$664,611
@ $60.01 · 2025-03-03
GENTLEMAN COURTNEY
Officer
$600,700
@ $60.01 · 2025-03-03
DOUBLES BRIAN D
Chief Executive Officer
$8.94M
@ $60.09 · 2025-02-28
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →AAPL
😏Greed(71/100)
"Market is optimistic — be cautious and ensure you have a margin of safety"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
SYF
😐Neutral(54/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →AAPL
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Greed (71)
SYF
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (54)