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SYF vs UHAL
Which Stock Would AI Choose? Synchrony Financial (SYF) vs. U-Haul Holding Company (UHAL) Stock Comparison
Key Takeaways
- Synchrony Financial (SYF) reported stronger Q1 2026 earnings growth with adjusted EPS of $2.27, up 20.1% year-over-year, alongside a new $6.5 billion share repurchase authorization and dividend increase.
- U-Haul Holding Company (UHAL) focuses on do-it-yourself moving and storage services, with recent operational updates including the launch of a new 29-foot “Easy Mover” truck model.
- SYF trades near $71.83 with a market capitalization of approximately $24 billion, reflecting recent volatility following earnings.
- UHAL trades near $51.55 with a market capitalization of approximately $10 billion, showing more stable but modest year-to-date performance.
- SYF operates in the consumer financial services sector with exposure to credit card lending and partnerships, while UHAL provides exposure to the transportation and logistics sector through rental fleets.
- Recent market sentiment for SYF has been influenced by capital return initiatives, whereas UHAL sentiment reflects ongoing fleet modernization and seasonal moving demand.
Introduction
Investors and traders often compare stocks from distinct sectors to assess diversification opportunities and relative performance in varying economic conditions. Synchrony Financial (SYF) and U-Haul Holding Company (UHAL) represent contrasting business models: one in consumer finance and the other in moving and storage services. This comparison provides insights into how these equities have responded to recent market activity, earnings developments, and sector-specific factors. Portfolio managers seeking balanced exposure across financials and industrials, as well as active traders monitoring momentum shifts, may find this analysis relevant for evaluating positioning and risk-adjusted characteristics.
SYF Overview and Recent Performance
Synchrony Financial (SYF) is a consumer financial services company offering private-label credit cards, promotional financing, and deposit products through partnerships with retailers and manufacturers. In recent market activity, the stock has traded around $71.83 following the release of first-quarter 2026 results. The company posted adjusted earnings per share of $2.27, exceeding consensus estimates, supported by purchase volume growth and lower credit loss provisions. Management also authorized a $6.5 billion share repurchase program and approved a 13% increase in the quarterly dividend. These developments contributed to mixed sentiment, with the shares experiencing some post-earnings pressure amid broader market conditions. Over the past year, SYF has shown resilience within its 52-week range of approximately $55.67 to $88.77.
UHAL Overview and Recent Performance
U-Haul Holding Company (UHAL) operates as a provider of do-it-yourself moving and storage solutions, including truck and trailer rentals, self-storage facilities, and related services across the United States and Canada. In recent market activity, the stock has traded near $51.55. The company has focused on fleet updates and customer initiatives, highlighted by the introduction of a new 29-foot “Easy Mover” truck designed for the summer moving season. Operational developments also include storage support programs for communities affected by regional events. UHAL’s performance has remained relatively steady within its 52-week range of approximately $41.95 to $64.75, with limited near-term catalysts compared to peers in the rental and leasing services industry. The next quarterly results are scheduled for late May 2026.
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Head-to-Head Comparison
Synchrony Financial (SYF) and U-Haul Holding Company (UHAL) differ significantly in business models, with SYF centered on consumer credit and lending partnerships while UHAL emphasizes physical asset rental and logistics services. Growth drivers for SYF include net interest income expansion and partnership volume, whereas UHAL benefits from seasonal demand and fleet utilization rates. Recent momentum has favored SYF following earnings and capital allocation announcements, contrasted with UHAL’s more incremental operational updates. Risk factors for SYF involve credit cycle sensitivity and regulatory considerations in financial services, while UHAL faces exposure to fuel costs, vehicle maintenance, and economic impacts on moving activity. Sector positioning places SYF in financials with potential interest-rate responsiveness, and UHAL in industrials with ties to consumer mobility trends. Market sentiment reflects these distinctions, with SYF showing greater near-term volatility tied to earnings and UHAL displaying steadier but lower-profile trading patterns.
Tickeron AI Verdict
Based on observable factors such as trend consistency following earnings, capital return programs, and relative positioning within recent market activity, Tickeron’s AI would likely assign a probabilistic edge to Synchrony Financial (SYF) over U-Haul Holding Company (UHAL) at present. Stronger quarterly results and buyback authorization provide clearer near-term catalysts compared to UHAL’s operational developments. However, outcomes remain subject to broader economic conditions and sector rotations, underscoring the value of ongoing monitoring rather than static conclusions.
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.
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 SYF is a Buy and UHAL 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).
SYF’s FA Score shows that 1 FA rating(s) are green whileUHAL’s FA Score has 1 green FA rating(s).
- SYF’s FA Score: 1 green, 4 red.
- UHAL’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.
SYF’s TA Score shows that 5 TA indicator(s) are bullish while UHAL’s TA Score has 6 bullish TA indicator(s).
- SYF’s TA Score: 5 bullish, 4 bearish.
- UHAL’s TA Score: 6 bullish, 4 bearish.
Price Growth
SYF (@Savings Banks) experienced а +1.47% price change this week, while UHAL (@Finance/Rental/Leasing) price change was +0.48% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.12%. For the same industry, the average monthly price growth was +3.49%, and the average quarterly price growth was -4.00%.
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%.
Reported Earning Dates
SYF is expected to report earnings on Jul 21, 2026.
UHAL is expected to report earnings on Aug 12, 2026.
Industries' Descriptions
@Savings Banks (-0.12% 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.
@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).
| SYF | UHAL | SYF / UHAL | |
| Capitalization | 25.5B | 10.7B | 238% |
| EBITDA | N/A | 1.76B | - |
| Gain YTD | -8.514 | 23.745 | -36% |
| P/E Ratio | 7.84 | 259.92 | 3% |
| Revenue | 15B | 6.04B | 248% |
| Total Cash | N/A | 1.79B | - |
| Total Debt | 16.4B | 8.12B | 202% |
SYF | UHAL | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 24 | 30 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 59 Fair valued | 96 Overvalued | |
PROFIT vs RISK RATING 1..100 | 38 | 90 | |
SMR RATING 1..100 | 5 | 91 | |
PRICE GROWTH RATING 1..100 | 48 | 40 | |
P/E GROWTH RATING 1..100 | 60 | 2 | |
SEASONALITY SCORE 1..100 | 50 | 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 UHAL (96). This means that SYF’s stock grew somewhat faster than UHAL’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 UHAL (90). This means that SYF’s stock grew somewhat faster than UHAL’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 UHAL (91). This means that SYF’s stock grew significantly faster than UHAL’s over the last 12 months.
UHAL's Price Growth Rating (40) in the Finance Or Rental Or Leasing industry is in the same range as SYF (48). This means that UHAL’s stock grew similarly to SYF’s over the last 12 months.
UHAL's P/E Growth Rating (2) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for SYF (60). This means that UHAL’s stock grew somewhat faster than SYF’s over the last 12 months.
| SYF | UHAL | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 78% |
| Stochastic ODDS (%) | 2 days ago 58% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 76% | 2 days ago 60% |
| MACD ODDS (%) | 2 days ago 68% | 2 days ago 58% |
| TrendWeek ODDS (%) | 2 days ago 68% | 2 days ago 55% |
| TrendMonth ODDS (%) | 2 days ago 66% | 2 days ago 56% |
| Advances ODDS (%) | 2 days ago 63% | 2 days ago 57% |
| Declines ODDS (%) | 23 days ago 67% | 21 days ago 64% |
| BollingerBands ODDS (%) | 2 days ago 63% | 2 days ago 84% |
| Aroon ODDS (%) | 2 days ago 68% | 2 days ago 49% |
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SYF and
Correlation & Price change
A.I.dvisor indicates that over the last year, SYF has been closely correlated with COF. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then COF could also see price increases.