Compare Stocks › LLY vs SYF
Eli Lilly and Company (LLY) vs Synchrony Financial (SYF)
LLY
Eli Lilly and Company
$963.33
VS
SYF
Synchrony Financial
$75.76
Rewards
LLY
- ★Eli Lilly and Company has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Gross margin of 82.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Eli Lilly and Company scores 73/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
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
LLY
- ⚠FCF yield of 1.1% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
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 →LLY
SYF
Valuation
$9.16B
Free Cash Flow
N/A
1.06%
FCF Yield
N/A
34.25
Trailing P/E
7.84
22.06
Forward P/E
7.23
Quality & Moat
37.80%
ROIC
22.85%
66.16%
ROE
N/A
82.83%
Gross Margin
0.00%
0.20
PEG Ratio
0.39
Balance Sheet Safety
1.39
Debt / Equity
N/A
N/A
Interest Coverage
N/A
1.05
Net Debt / EBITDA
N/A
0.65%
Dividend Yield
1.58%
LLY: 3Ties: 1SYF: 3
LLYSYF
Historical Fundamentals
Learn more →LLY
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 →LLY
$27.49
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$22.34B
Δ Market Cap
+$614.01B
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 →LLY
15.9% Margin of Safety
Price is 15.9% below estimated fair value
Current Price: $963.33
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $1145.81
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 →LLY
What growth rate is the market pricing in at $963?
+18.3%
Market-Implied Owner Earnings Growth
Standard FCF implies +29.7%
The market implies +18.3% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +29.7%, reflecting heavy growth investment expected to generate future returns.
SYF
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →LLY
73/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by roic consistency. Reinvestment Efficiency is the area most vulnerable to competitive pressure.
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 →LLY
-1.83
Possible 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 →LLY
Insiders 0.2%Institutions 85.0%Retail & Other 14.8%
No. of Institutional Holders5,509
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 →LLY
0
Buys (3M)
8
Buys (12M)
Total value (12M): $4.54M
MONTARCE LUCAS E
Chief Financial Officer
$494,627
@ $691.79 · 2025-08-15
VAN NAARDEN JACOB S.
Officer
$647,360
@ $647.36 · 2025-08-13
ALVAREZ RALPH
Director
$500,473
@ $660.25 · 2025-08-13
SKOVRONSKY DANIEL
Officer
$634,405
@ $634.40 · 2025-08-12
SULZBERGER GABRIELLE
Director
$75,018
@ $641.18 · 2025-08-12
FYRWALD J. ERIK
Director
$1.01M
@ $642.33 · 2025-08-12
RICKS DAVID A
Chief Executive Officer
$1.05M
@ $644.77 · 2025-08-12
JACKSON JAMERE
Director
$127,913
@ $639.57 · 2025-08-08
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 →LLY
0
Sells (3M)
41
Sells (12M)
Total value (12M): $3.84B
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$322.38M
@ $1103.48 · 2026-01-07
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$1.51M
@ $1085.01 · 2026-01-05
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$3.90M
@ $1085.04 · 2025-12-29
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$2.85M
@ $1085.17 · 2025-12-24
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$260,409
@ $1085.04 · 2025-12-23
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$161.08M
@ $1095.35 · 2025-11-25
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$17.34M
@ $1109.30 · 2025-11-25
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$152.06M
@ $1068.52 · 2025-11-24
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$111.50M
@ $1058.66 · 2025-11-21
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$39.07M
@ $1051.66 · 2025-11-20
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$176.10M
@ $1051.17 · 2025-11-19
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$62.31M
@ $1034.78 · 2025-11-18
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$10.19M
@ $1030.68 · 2025-11-17
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$183.33M
@ $1028.25 · 2025-11-14
ZAKROWSKI DONALD A
Officer
$1.01M
@ $1010.50 · 2025-11-13
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$48.02M
@ $1030.26 · 2025-11-13
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$308.41M
@ $1011.18 · 2025-11-12
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$279.35M
@ $986.64 · 2025-11-11
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$16.41M
@ $972.52 · 2025-11-10
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$167.09M
@ $933.26 · 2025-11-05
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$38.47M
@ $951.56 · 2025-11-05
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$479,038
@ $910.72 · 2025-11-04
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$266.65M
@ $888.83 · 2025-11-03
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$260.17M
@ $863.35 · 2025-10-31
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$3.16M
@ $863.24 · 2025-10-10
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$9.04M
@ $852.49 · 2025-10-09
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$86.23M
@ $850.27 · 2025-10-08
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$22.72M
@ $848.01 · 2025-10-07
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$137.04M
@ $850.22 · 2025-10-06
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$161.22M
@ $837.93 · 2025-10-03
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$92.50M
@ $821.55 · 2025-10-02
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$107.36M
@ $794.15 · 2025-10-01
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$177.29M
@ $821.47 · 2025-10-01
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$86.79M
@ $763.39 · 2025-09-30
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$18.06M
@ $763.09 · 2025-09-19
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$81.53M
@ $764.65 · 2025-09-18
ZAKROWSKI DONALD A
Officer
$734,930
@ $734.93 · 2025-08-28
YUFFA ILYA
Officer
$783,762
@ $627.01 · 2025-08-11
LILLY ENDOWMENT, INC.
Beneficial Owner of more than 10% of a Class of Security
$225.42M
@ $805.07 · 2025-07-24
ZAKROWSKI DONALD A
Officer
$716,410
@ $716.41 · 2025-05-27
YUFFA ILYA
Officer
$936,550
@ $749.24 · 2025-05-14
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 →LLY
😐Neutral(55/100)
"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.
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 →LLY
⚪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 (55)
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)