SYF Synchrony Financial

  1. Stocks
  2. Financial Services
  3. NYSE: SYF

Price (delayed)

$28.04

Market cap

$12.25B

P/E Ratio

4.53

Dividend/share

$0.91

EPS

$6.19

Enterprise value

$16.15B

Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to ...

Highlights
The price to earnings (P/E) is 42% lower than the 5-year quarterly average of 7.8
The company's debt fell by 2.2% YoY
Synchrony Financial's net income has decreased by 29% YoY and by 7% from the previous quarter
The company's EPS fell by 16% YoY and by 3.1% QoQ
Sector: Financial Services
Industry: Credit Services
Website: https://www.synchronyfinancial.com/
Peers: V MA FLT

Key stats

What are the main financial stats of SYF
Market
Shares outstanding
437.04M
Market cap
$12.25B
Enterprise value
$16.15B
Valuations
Price to earnings (P/E)
4.53
Price to book (P/B)
0.98
Price to sales (P/S)
1.52
EV/EBIT
4.12
EV/EBITDA
3.72
EV/Sales
1.95
Earnings
Revenue
$8.3B
EBIT
$3.92B
EBITDA
$4.34B
Free cash flow
$6.69B
Per share
EPS
$6.19
Free cash flow per share
$14.86
Book value per share
$28.57
Revenue per share
$18.42
TBVPS
$226.78
Balance sheet
Total assets
$104.56B
Total liabilities
$91.69B
Debt
$14.19B
Equity
$12.87B
Working capital
N/A
Liquidity
Debt to equity
1.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.9
Margins
EBITDA margin
52.3%
Gross margin
100%
Net margin
35.8%
Operating margin
47.7%
Efficiency
Return on assets
3%
Return on equity
22.6%
Return on invested capital
3.9%
Return on capital employed
N/A
Return on sales
47.2%
Dividend
Dividend yield
3.25%
DPS
$0.91
Payout ratio
14.7%

SYF stock price

How has the Synchrony Financial stock price performed over time
Intraday
0.11%
1 week
-1.58%
1 month
-21.68%
1 year
-22.97%
YTD
-14.67%
QTD
-14.67%

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$8.3B
Gross profit
$8.3B
Operating income
$3.96B
Net income
$2.97B
Gross margin
100%
Net margin
35.8%
Synchrony Financial's net income has decreased by 29% YoY and by 7% from the previous quarter
The company's operating income fell by 28% YoY and by 7% QoQ
The company's net margin fell by 19% YoY and by 4.3% QoQ
The operating margin has contracted by 18% YoY and by 4.2% from the previous quarter

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
P/E
4.53
P/B
0.98
P/S
1.52
EV/EBIT
4.12
EV/EBITDA
3.72
EV/Sales
1.95
The price to earnings (P/E) is 42% lower than the 5-year quarterly average of 7.8
The company's EPS fell by 16% YoY and by 3.1% QoQ
SYF's price to book (P/B) is 35% lower than its 5-year quarterly average of 1.5 and 11% lower than its last 4 quarters average of 1.1
The company's equity fell by 6% YoY
The price to sales (P/S) is 42% lower than the 5-year quarterly average of 2.6 and 11% lower than the last 4 quarters average of 1.7
SYF's revenue is down by 12% year-on-year and by 3.2% since the previous quarter

Efficiency

How efficient is Synchrony Financial business performance
The company's return on invested capital fell by 33% YoY and by 9% QoQ
Synchrony Financial's return on assets has decreased by 33% YoY and by 9% QoQ
SYF's return on equity is down by 25% year-on-year and by 6% since the previous quarter
The company's return on sales fell by 18% YoY and by 4.3% QoQ

Dividends

What is SYF's dividend history
Dividend details
DPS
$0.91
Dividend yield
3.25%
Payout ratio
14.7%
Recent dividends

Financial health

How did Synchrony Financial financials performed over time
SYF's total assets is 14% greater than its total liabilities
The total liabilities has grown by 12% YoY and by 4.5% from the previous quarter
SYF's total assets is up by 9% year-on-year and by 3.8% since the previous quarter
The company's debt is 10% higher than its equity
The company's equity fell by 6% YoY
The debt to equity has grown by 3.8% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.