SYF Synchrony Financial

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

Price (delayed)

$75.18

Market cap

$23.41B

P/E Ratio

7.75

Dividend/share

$1.24

EPS

$9.7

Enterprise value

$24.54B

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Relative Growth: Rel. Growth: 64
Relative Strength: Rel. Strength: 51
Relative Valuation: Rel. Valuation: 85
Relative Profitability: Rel. Profitability: 87

Synchrony is a premier consumer financial services company. We deliver a wide range of specialized financing programs, as well as innovative consumer banking products, across key industries including digital, retail, ...

Highlights
The company's EPS rose by 5% YoY
The price to earnings (P/E) is 22% higher than the 5-year quarterly average of 6.5 and 2.9% higher than the last 4 quarters average of 7.7
The company's debt rose by 18% YoY and by 3.6% QoQ
Sector: Financial Services
Industry: Credit Services
Website: http://www.synchrony.com
Peers: V MA URI

Key stats

What are the main financial stats of SYF

SYF stock price

How has the Synchrony Financial stock price performed over time
Intraday
-2.13%
1 week
0.28%
1 month
4.75%
1 year
1.58%
YTD
-9.89%
QTD
5.93%

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$9.78B
Gross profit
$9.78B
Operating income
$4.37B
Net income
$3.24B
Gross margin
100%
Net margin
33.1%
The company's net margin fell by 9% YoY and by 4.6% QoQ
Synchrony Financial's net income has decreased by 7% YoY and by 6% from the previous quarter
The operating margin has contracted by 7% YoY and by 4.3% from the previous quarter
The company's operating income fell by 6% YoY and by 5% QoQ

Price vs fundamentals

How does SYF's price correlate with its fundamentals

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
SYF P/E details
P/E
7.75
P/B
1.48
P/S
2.5
EV/EBIT
5.74
EV/EBITDA
5.06
EV/Sales
2.51
The price to earnings (P/E) is 22% higher than the 5-year quarterly average of 6.5 and 2.9% higher than the last 4 quarters average of 7.7
The company's EPS rose by 5% YoY
SYF's price to book (P/B) is 16% higher than its 5-year quarterly average of 1.3
The company's equity fell by 3% YoY and by 2.1% QoQ
The price to sales (P/S) is 16% higher than the 5-year quarterly average of 2.2

Efficiency

How efficient is Synchrony Financial business performance
The company's return on invested capital fell by 10% YoY and by 8% QoQ
The company's return on sales fell by 8% YoY and by 4.4% QoQ
Synchrony Financial's return on assets has decreased by 7% QoQ and by 7% YoY
SYF's return on equity is down by 7% year-on-year and by 4.9% since the previous quarter

Dividends

What is SYF's dividend history
Dividend details
DPS
$1.24
Dividend yield
1.65%
Payout ratio
12.8%
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 total liabilities has grown by 6% YoY
SYF's total assets is up by 4.7% year-on-year
The company's debt is 2.9% higher than its equity
The debt to equity has grown by 21% YoY and by 6% from the previous quarter
The company's debt rose by 18% YoY and by 3.6% QoQ

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