SYF Synchrony Financial
Price (delayed)
$64
Market cap
$24.88B
P/E Ratio
7.41
Dividend/share
$1
EPS
$8.64
Enterprise value
$25.63B
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 company's EPS has surged by 66% YoY and by 12% QoQ
Synchrony Financial's net income has soared by 56% YoY and by 10% from the previous quarter
The price to earnings (P/E) is 12% higher than the last 4 quarters average of 6.6 and 6% higher than the 5-year quarterly average of 7.0
Key stats
What are the main financial stats of SYF
Market
Valuations
Earnings
Shares outstanding
388.75M
Market cap
$24.88B
Enterprise value
$25.63B
Price to earnings (P/E)
7.41
Price to book (P/B)
1.5
Price to sales (P/S)
2.65
EV/EBIT
5.72
EV/EBITDA
5.17
EV/Sales
2.73
Revenue
$9.39B
Gross profit
$9.39B
Operating income
$4.55B
Net income
$3.43B
EBIT
$4.48B
EBITDA
$4.96B
Free cash flow
$9.85B
Per share
Balance sheet
Liquidity
EPS
$8.64
EPS diluted
$8.55
Free cash flow per share
$25.29
Book value per share
$42.58
Revenue per share
$24.12
TBVPS
$301.37
Total assets
$119.46B
Total liabilities
$102.88B
Debt
$15.46B
Equity
$16.58B
Working capital
N/A
Debt to equity
0.93
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.15
Margins
Efficiency
Dividend
EBITDA margin
52.8%
Gross margin
100%
Net margin
36.5%
Operating margin
48.5%
Return on assets
2.9%
Return on equity
21.6%
Return on invested capital
3.9%
Return on capital employed
N/A
Return on sales
47.7%
Dividend yield
1.56%
DPS
$1
Payout ratio
11.6%
SYF stock price
How has the Synchrony Financial stock price performed over time
Intraday
-1.89%
1 week
-5.67%
1 month
0.36%
1 year
61.9%
YTD
-1.54%
QTD
-1.54%
Financial performance
How have Synchrony Financial's revenue and profit performed over time
Revenue
$9.39B
Gross profit
$9.39B
Operating income
$4.55B
Net income
$3.43B
Gross margin
100%
Net margin
36.5%
The company's operating income has surged by 57% YoY and by 11% QoQ
Synchrony Financial's net income has soared by 56% YoY and by 10% from the previous quarter
The operating margin has grown by 28% YoY and by 6% from the previous quarter
The company's net margin rose by 27% YoY and by 6% QoQ
Growth
What is Synchrony Financial's growth rate over time
Valuation
What is Synchrony Financial stock price valuation
P/E
7.41
P/B
1.5
P/S
2.65
EV/EBIT
5.72
EV/EBITDA
5.17
EV/Sales
2.73
The company's EPS has surged by 66% YoY and by 12% QoQ
The price to earnings (P/E) is 12% higher than the last 4 quarters average of 6.6 and 6% higher than the 5-year quarterly average of 7.0
The company's equity rose by 19% YoY and by 3.8% QoQ
SYF's price to book (P/B) is 15% higher than its 5-year quarterly average of 1.3 and 15% higher than its last 4 quarters average of 1.3
SYF's revenue is up by 23% year-on-year and by 4.3% since the previous quarter
The price to sales (P/S) is 20% higher than the 5-year quarterly average of 2.2 and 15% higher than the last 4 quarters average of 2.3
Efficiency
How efficient is Synchrony Financial business performance
The company's return on invested capital has surged by 50% YoY and by 11% QoQ
Synchrony Financial's return on assets has increased by 45% YoY and by 12% QoQ
SYF's return on equity is up by 33% year-on-year and by 6% since the previous quarter
The company's return on sales rose by 28% YoY and by 6% QoQ
Dividends
What is SYF's dividend history
DPS
$1
Dividend yield
1.56%
Payout ratio
11.6%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Synchrony Financial financials performed over time
SYF's total assets is 16% greater than its total liabilities
The company's debt is 7% lower than its equity
The company's equity rose by 19% YoY and by 3.8% QoQ
The debt to equity has contracted by 19% YoY and by 5% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.