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HRI vs SYF
Which Stock Would AI Choose? Herc Holdings Inc. (HRI) vs. Synchrony Financial (SYF) Stock Comparison
Key Takeaways
- HRI, an equipment rental firm in the industrials sector, has experienced volatility with shares down significantly year-to-date amid integration challenges from recent acquisitions.
- SYF, a consumer financial services provider, demonstrates stronger stability with robust one-year gains and attractive valuation metrics like a trailing P/E (price-to-earnings) ratio of 8.5.
- SYF boasts higher return on equity (ROE, a measure of profitability relative to shareholders' equity) at 21.3% compared to HRI's near-zero ROE, reflecting better capital efficiency.
- HRI's high debt-to-equity ratio of 497% signals elevated risk versus SYF's more balanced financial structure.
- Recent momentum favors SYF ahead of its Q1 earnings, while HRI faces bearish sentiment post-mixed outlook.
- Tickeron's AI tools highlight SYF as a stronger long-term pick in comparative analysis.
Introduction
This stock comparison between HRI and SYF examines two distinct players in cyclical markets: equipment rental versus consumer lending. Investors seeking diversification across industrials and financial services, or traders evaluating relative performance amid economic shifts, will find value here. With HRI navigating acquisition synergies and SYF leveraging retail partnerships, the analysis highlights key metrics, recent trends, and AI-driven insights to inform market positioning in the current environment.
HRI Overview and Recent Performance
Herc Holdings Inc. (HRI) is a leading equipment rental company serving construction, manufacturing, and infrastructure projects, primarily in North America. In recent market activity, shares have traded around $111, within a 52-week range of $88 to $188, reflecting high volatility. Year-to-date performance has been pressured, with declines of approximately 30% amid broader industrials weakness. Q4 2025 results showed revenue growth of 27% year-over-year to $4.38 billion trailing twelve months (TTM), driven by fleet utilization, but earnings per share (EPS) dipped to $0.03 TTM, inflating the trailing P/E to over 3,700. Sentiment has softened due to cautious guidance on acquisition integration and elevated debt levels, contributing to recent price pullbacks despite forward P/E of 13.8 signaling potential recovery.
SYF Overview and Recent Performance
Synchrony Financial (SYF) operates as a premier consumer financial services firm, offering credit products through partnerships with retailers like Walmart and RH. Shares recently closed near $79, in a 52-week range of $46 to $89, with one-year returns exceeding 67%. Recent weeks have seen modest year-to-date gains of about 5%, supported by strong fundamentals including TTM revenue of $9.76 billion and EPS of $9.28. Q4 2025 earnings beat estimates with EPS of $2.18, bolstering confidence ahead of Q1 reporting. Positive catalysts include deepened retailer ties, though shares have dipped below moving averages amid sector caution. The trailing P/E of 8.5 and ROE of 21.3% underscore resilient profitability.
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Head-to-Head Comparison
HRI and SYF diverge sharply in business models: HRI’s asset-heavy rentals expose it to construction cycles and interest rate sensitivity, while SYF’s fee-based lending thrives on consumer spending via store cards. Growth drivers contrast too—HRI’s 27% quarterly revenue surge versus SYF’s steadier 5%—but HRI grapples with razor-thin margins and sky-high debt/equity, amplifying risks in downturns. Recent momentum tilts to SYF’s 67% one-year gain over HRI’s declines, with SYF enjoying superior sector tailwinds from retail recovery. Market sentiment favors SYF’s upcoming catalysts and value trade-offs, though HRI offers upside if infrastructure spending rebounds.
Tickeron AI Verdict
Tickeron’s AI currently leans toward SYF with higher probability for near-term outperformance, owing to consistent trends, superior ROE, attractive valuation, and positive earnings momentum. HRI’s volatility and debt burden temper its appeal, though acquisition synergies could shift dynamics. This assessment draws on observable data patterns rather than guarantees.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is HRI is a Hold and SYF is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
HRI’s FA Score shows that 1 FA rating(s) are green whileSYF’s FA Score has 1 green FA rating(s).
- HRI’s FA Score: 1 green, 4 red.
- SYF’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
HRI’s TA Score shows that 4 TA indicator(s) are bullish while SYF’s TA Score has 5 bullish TA indicator(s).
- HRI’s TA Score: 4 bullish, 3 bearish.
- SYF’s TA Score: 5 bullish, 4 bearish.
Price Growth
HRI (@Finance/Rental/Leasing) experienced а +1.24% price change this week, while SYF (@Savings Banks) price change was +1.47% for the same time period.
The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.45%. For the same industry, the average monthly price growth was +11.61%, and the average quarterly price growth was +26.77%.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.17%. For the same industry, the average monthly price growth was +3.44%, and the average quarterly price growth was -4.05%.
Reported Earning Dates
HRI is expected to report earnings on Jul 16, 2026.
SYF is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Finance/Rental/Leasing (+0.45% weekly)A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).
@Savings Banks (-0.17% weekly)A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.
| HRI | SYF | HRI / SYF | |
| Capitalization | 4.79B | 25.2B | 19% |
| EBITDA | 1.66B | N/A | - |
| Gain YTD | 4.421 | -8.514 | -52% |
| P/E Ratio | 4153.67 | 7.84 | 52,998% |
| Revenue | 4.61B | 15B | 31% |
| Total Cash | 43M | N/A | - |
| Total Debt | 9.64B | 16.4B | 59% |
HRI | SYF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 15 | 24 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 97 Overvalued | 59 Fair valued | |
PROFIT vs RISK RATING 1..100 | 74 | 38 | |
SMR RATING 1..100 | 92 | 5 | |
PRICE GROWTH RATING 1..100 | 40 | 48 | |
P/E GROWTH RATING 1..100 | 1 | 60 | |
SEASONALITY SCORE 1..100 | 38 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
SYF's Valuation (59) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for HRI (97). This means that SYF’s stock grew somewhat faster than HRI’s over the last 12 months.
SYF's Profit vs Risk Rating (38) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for HRI (74). This means that SYF’s stock grew somewhat faster than HRI’s over the last 12 months.
SYF's SMR Rating (5) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for HRI (92). This means that SYF’s stock grew significantly faster than HRI’s over the last 12 months.
HRI's Price Growth Rating (40) in the Finance Or Rental Or Leasing industry is in the same range as SYF (48). This means that HRI’s stock grew similarly to SYF’s over the last 12 months.
HRI's P/E Growth Rating (1) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for SYF (60). This means that HRI’s stock grew somewhat faster than SYF’s over the last 12 months.
| HRI | SYF | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 2 days ago 73% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 76% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 78% | 2 days ago 68% |
| TrendWeek ODDS (%) | 2 days ago 76% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 76% | 2 days ago 66% |
| Advances ODDS (%) | 9 days ago 74% | 2 days ago 63% |
| Declines ODDS (%) | 7 days ago 76% | 23 days ago 67% |
| BollingerBands ODDS (%) | 2 days ago 65% | 2 days ago 63% |
| Aroon ODDS (%) | 2 days ago 70% | 2 days ago 68% |
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