SYF Synchrony Financial

Price (delayed)

$42.28

Market cap

$17.2B

P/E Ratio

8.12

Dividend/share

$0.98

EPS

$5.21

Enterprise value

$18.92B

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 equity rose by 8% YoY
The price to earnings (P/E) is 35% higher than the last 4 quarters average of 6.0 and 16% higher than the 5-year quarterly average of 7.0
Synchrony Financial's net income has decreased by 26% YoY and by 6% from the previous quarter

Key stats

What are the main financial stats of SYF
Market
Shares outstanding
406.84M
Market cap
$17.2B
Enterprise value
$18.92B
Valuations
Price to book (P/B)
1.26
Price to sales (P/S)
2.28
EV/EBIT
6.61
EV/EBITDA
5.7
EV/Sales
2.47
Earnings
Revenue
$7.66B
EBIT
$2.86B
EBITDA
$3.32B
Free cash flow
$8.59B
Per share
EPS
$5.21
Free cash flow per share
$20.77
Book value per share
$33.6
Revenue per share
$18.52
TBVPS
$279.47
Balance sheet
Total assets
$117.48B
Total liabilities
$103.58B
Debt
$15.98B
Equity
$13.9B
Working capital
N/A
Liquidity
Debt to equity
1.15
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.52
Margins
EBITDA margin
43.3%
Gross margin
100%
Net margin
28.7%
Operating margin
37.9%
Efficiency
Return on assets
2%
Return on equity
16.2%
Return on invested capital
2.6%
Return on capital employed
N/A
Return on sales
37.4%
Dividend
Dividend yield
2.32%
DPS
$0.98
Payout ratio
18.8%

SYF stock price

How has the Synchrony Financial stock price performed over time
Intraday
1.68%
1 week
-2.56%
1 month
3.1%
1 year
49.29%
YTD
10.71%
QTD
10.71%

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$7.66B
Gross profit
$7.66B
Operating income
$2.9B
Net income
$2.2B
Gross margin
100%
Net margin
28.7%
The company's operating income fell by 27% YoY and by 7% QoQ
Synchrony Financial's net income has decreased by 26% YoY and by 6% from the previous quarter
The operating margin has contracted by 21% YoY and by 6% from the previous quarter
The company's net margin fell by 20% YoY and by 5% QoQ

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
P/E
8.12
P/B
1.26
P/S
2.28
EV/EBIT
6.61
EV/EBITDA
5.7
EV/Sales
2.47
The price to earnings (P/E) is 35% higher than the last 4 quarters average of 6.0 and 16% higher than the 5-year quarterly average of 7.0
The company's EPS fell by 16% YoY and by 4.8% QoQ
SYF's price to book (P/B) is 26% higher than its last 4 quarters average of 1.0 but 10% lower than its 5-year quarterly average of 1.4
The company's equity rose by 8% YoY
The price to sales (P/S) is 27% higher than the last 4 quarters average of 1.8
SYF's revenue is down by 8% year-on-year

Efficiency

How efficient is Synchrony Financial business performance
Synchrony Financial's return on assets has decreased by 33% YoY and by 9% QoQ
The company's return on invested capital fell by 33% YoY and by 10% QoQ
SYF's return on equity is down by 28% year-on-year and by 7% since the previous quarter
The company's return on sales fell by 21% YoY and by 6% QoQ

Dividends

What is SYF's dividend history
DPS
$0.98
Dividend yield
2.32%
Payout ratio
18.8%
Recent dividends

Financial health

How did Synchrony Financial financials performed over time
SYF's total assets is 13% greater than its total liabilities
The total liabilities has grown by 13% YoY and by 4.4% from the previous quarter
SYF's total assets is up by 12% year-on-year and by 4% since the previous quarter
The company's debt is 15% higher than its equity
The company's debt rose by 13% YoY and by 4.9% QoQ
The company's equity rose by 8% YoY

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