Synchrony Financial (NYSE:SYF – Get Free Report) and Bitcoin Depot (NASDAQ:BTM – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their profitability, risk, dividends, valuation, analyst recommendations, earnings and institutional ownership.
Insider and Institutional Ownership
96.5% of Synchrony Financial shares are owned by institutional investors. Comparatively, 9.2% of Bitcoin Depot shares are owned by institutional investors. 0.3% of Synchrony Financial shares are owned by insiders. Comparatively, 70.2% of Bitcoin Depot shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Analyst Ratings
This is a summary of recent ratings and price targets for Synchrony Financial and Bitcoin Depot, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Synchrony Financial | 0 | 8 | 12 | 1 | 2.67 |
| Bitcoin Depot | 0 | 0 | 3 | 2 | 3.40 |
Valuation & Earnings
This table compares Synchrony Financial and Bitcoin Depot”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Synchrony Financial | $16.11 billion | 1.39 | $3.50 billion | $7.29 | 8.10 |
| Bitcoin Depot | $599.39 million | 0.49 | -$26.10 million | ($0.19) | -24.21 |
Synchrony Financial has higher revenue and earnings than Bitcoin Depot. Bitcoin Depot is trading at a lower price-to-earnings ratio than Synchrony Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Synchrony Financial and Bitcoin Depot’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Synchrony Financial | 15.36% | 18.30% | 2.23% |
| Bitcoin Depot | -2.28% | -488.33% | -15.15% |
Risk & Volatility
Synchrony Financial has a beta of 1.42, indicating that its share price is 42% more volatile than the S&P 500. Comparatively, Bitcoin Depot has a beta of -0.27, indicating that its share price is 127% less volatile than the S&P 500.
Summary
Synchrony Financial beats Bitcoin Depot on 12 of the 15 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 Bitcoin Depot
Bitcoin Depot Inc. owns and operates a network of cryptocurrency kiosks in North America. Its customers can buy and sell bitcoin, litecoin, and ethereum cryptocurrencies using the BTM kiosk network and other services. The company also engages in the sale of cryptocurrency to consumers at a network of retail locations through its BDCheckout product offering, as well as its website through over-the-counter trade. The company is headquartered in Atlanta, Georgia. Bitcoin Depot Inc. is a subsidiary of BT Assets, Inc.
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