SYF
Price
$75.61
Change
-$1.25 (-1.63%)
Updated
Sep 5 closing price
Capitalization
28.13B
52 days until earnings call
UPBD
Price
$25.40
Change
+$0.11 (+0.43%)
Updated
Sep 5 closing price
Capitalization
1.47B
53 days until earnings call
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SYF vs UPBD

Header iconSYF vs UPBD Comparison
Open Charts SYF vs UPBDBanner chart's image
Synchrony Financial
Price$75.61
Change-$1.25 (-1.63%)
Volume$2.15M
Capitalization28.13B
Upbound Group
Price$25.40
Change+$0.11 (+0.43%)
Volume$665.75K
Capitalization1.47B
SYF vs UPBD Comparison Chart in %
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SYF
Daily Signalchanged days ago
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UPBD
Daily Signalchanged days ago
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SYF vs. UPBD commentary
Sep 06, 2025

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 UPBD is a StrongBuy.

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COMPARISON
Comparison
Sep 06, 2025
Stock price -- (SYF: $75.61 vs. UPBD: $25.40)
Brand notoriety: SYF: Notable vs. UPBD: Not notable
SYF represents the Savings Banks, while UPBD is part of the Packaged Software industry
Current volume relative to the 65-day Moving Average: SYF: 67% vs. UPBD: 98%
Market capitalization -- SYF: $28.13B vs. UPBD: $1.47B
SYF [@Savings Banks] is valued at $28.13B. UPBD’s [@Packaged Software] market capitalization is $1.47B. The market cap for tickers in the [@Savings Banks] industry ranges from $666.17B to $0. The market cap for tickers in the [@Packaged Software] industry ranges from $316.66B to $0. The average market capitalization across the [@Savings Banks] industry is $22.16B. The average market capitalization across the [@Packaged Software] industry is $8.98B.

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 4 FA rating(s) are green whileUPBD’s FA Score has 1 green FA rating(s).

  • SYF’s FA Score: 4 green, 1 red.
  • UPBD’s FA Score: 1 green, 4 red.
According to our system of comparison, SYF is a better buy in the long-term than UPBD.

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 4 TA indicator(s) are bullish while UPBD’s TA Score has 6 bullish TA indicator(s).

  • SYF’s TA Score: 4 bullish, 3 bearish.
  • UPBD’s TA Score: 6 bullish, 3 bearish.
According to our system of comparison, UPBD is a better buy in the short-term than SYF.

Price Growth

SYF (@Savings Banks) experienced а -0.96% price change this week, while UPBD (@Packaged Software) price change was -0.04% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.52%. For the same industry, the average monthly price growth was +5.04%, and the average quarterly price growth was +31.21%.

The average weekly price growth across all stocks in the @Packaged Software industry was -1.74%. For the same industry, the average monthly price growth was -0.36%, and the average quarterly price growth was +23.00%.

Reported Earning Dates

SYF is expected to report earnings on Oct 28, 2025.

UPBD is expected to report earnings on Oct 29, 2025.

Industries' Descriptions

@Savings Banks (+0.52% 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.

@Packaged Software (-1.74% weekly)

Packaged software comprises multiple software programs bundled together and sold as a group. For example, Microsoft Office includes multiple applications such as Excel, Word, and PowerPoint. In some cases, buying a bundled product is cheaper than purchasing each item individually[s20] . Microsoft Corporation, Oracle Corp. and Adobe are some major American packaged software makers.

SUMMARIES
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FUNDAMENTALS
Fundamentals
SYF($28.1B) has a higher market cap than UPBD($1.47B). UPBD has higher P/E ratio than SYF: UPBD (14.11) vs SYF (9.34). SYF YTD gains are higher at: 17.907 vs. UPBD (-10.127). UPBD has less debt than SYF: UPBD (1.85B) vs SYF (16B). SYF has higher revenues than UPBD: SYF (16B) vs UPBD (4.48B).
SYFUPBDSYF / UPBD
Capitalization28.1B1.47B1,910%
EBITDAN/A1.73B-
Gain YTD17.907-10.127-177%
P/E Ratio9.3414.1166%
Revenue16B4.48B357%
Total CashN/A107M-
Total Debt16B1.85B866%
FUNDAMENTALS RATINGS
SYF vs UPBD: Fundamental Ratings
SYF
UPBD
OUTLOOK RATING
1..100
7513
VALUATION
overvalued / fair valued / undervalued
1..100
76
Overvalued
3
Undervalued
PROFIT vs RISK RATING
1..100
21100
SMR RATING
1..100
452
PRICE GROWTH RATING
1..100
552
P/E GROWTH RATING
1..100
2196
SEASONALITY SCORE
1..100
5085

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.

UPBD's Valuation (3) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for SYF (76). This means that UPBD’s stock grew significantly faster than SYF’s over the last 12 months.

SYF's Profit vs Risk Rating (21) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for UPBD (100). This means that SYF’s stock grew significantly faster than UPBD’s over the last 12 months.

SYF's SMR Rating (4) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for UPBD (52). This means that SYF’s stock grew somewhat faster than UPBD’s over the last 12 months.

SYF's Price Growth Rating (5) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for UPBD (52). This means that SYF’s stock grew somewhat faster than UPBD’s over the last 12 months.

SYF's P/E Growth Rating (21) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for UPBD (96). This means that SYF’s stock grew significantly faster than UPBD’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
SYFUPBD
RSI
ODDS (%)
Bearish Trend 1 day ago
60%
Bearish Trend 1 day ago
70%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
62%
Bearish Trend 1 day ago
78%
Momentum
ODDS (%)
Bullish Trend 1 day ago
73%
Bullish Trend 1 day ago
81%
MACD
ODDS (%)
Bullish Trend 1 day ago
79%
Bullish Trend 1 day ago
76%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
65%
Bearish Trend 1 day ago
70%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
72%
Bullish Trend 1 day ago
73%
Advances
ODDS (%)
Bullish Trend 9 days ago
67%
Bullish Trend 1 day ago
71%
Declines
ODDS (%)
Bearish Trend 3 days ago
62%
Bearish Trend 4 days ago
71%
BollingerBands
ODDS (%)
N/A
N/A
Aroon
ODDS (%)
Bullish Trend 1 day ago
76%
Bullish Trend 1 day ago
70%
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SYF
Daily Signalchanged days ago
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UPBD
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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 89% 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.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SYF
1D Price
Change %
SYF100%
-1.63%
COF - SYF
89%
Closely correlated
-2.12%
BFH - SYF
87%
Closely correlated
-1.12%
AXP - SYF
85%
Closely correlated
-1.34%
OMF - SYF
81%
Closely correlated
-1.77%
ENVA - SYF
80%
Closely correlated
-2.60%
More