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SYF Synchrony Financial
- Stocks
- Financial Services
- NYSE: SYF
Price (delayed)
$61.1
Market cap
$23.26B
P/E Ratio
8.3
Dividend/share
$1.05
EPS
$7.36
Enterprise value
$18.64B
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 9% YoY
The company's EPS fell by 15% QoQ but it rose by 4.7% YoY
The price to earnings (P/E) is 20% higher than the last 4 quarters average of 6.9 and 15% higher than the 5-year quarterly average of 7.2
Synchrony Financial's net income has decreased by 16% from the previous quarter
Key stats
What are the main financial stats of SYF
Market
Valuations
Earnings
Shares outstanding
380.65M
Market cap
$23.26B
Enterprise value
$18.64B
Price to earnings (P/E)
8.3
Price to book (P/B)
1.43
Price to sales (P/S)
2.73
EV/EBIT
4.97
EV/EBITDA
4.4
EV/Sales
2.14
Revenue
$8.71B
Gross profit
$8.71B
Operating income
$3.83B
Net income
$2.88B
EBIT
$3.75B
EBITDA
$4.23B
Free cash flow
$9.8B
Per share
Balance sheet
Liquidity
EPS
$7.36
EPS diluted
$7.28
Free cash flow per share
$25.21
Book value per share
$42.65
Revenue per share
$22.39
TBVPS
$308.44
Total assets
$122.03B
Total liabilities
$105.45B
Debt
$17.01B
Equity
$16.58B
Working capital
N/A
Debt to equity
1.03
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.09
Margins
Efficiency
Dividend
EBITDA margin
48.6%
Gross margin
100%
Net margin
33.1%
Operating margin
44%
Return on assets
2.4%
Return on equity
17.8%
Return on invested capital
3.2%
Return on capital employed
N/A
Return on sales
43%
Dividend yield
1.72%
DPS
$1.05
Payout ratio
14.3%
SYF stock price
How has the Synchrony Financial stock price performed over time
Intraday
-0.42%
1 week
13.63%
1 month
30.11%
1 year
35.24%
YTD
-6%
QTD
15.41%
Financial performance
How have Synchrony Financial's revenue and profit performed over time
Revenue
$8.71B
Gross profit
$8.71B
Operating income
$3.83B
Net income
$2.88B
Gross margin
100%
Net margin
33.1%
Synchrony Financial's net income has decreased by 16% from the previous quarter
The company's operating income fell by 16% QoQ
The operating margin has contracted by 9% from the previous quarter
The company's net margin fell by 9% 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
P/E
8.3
P/B
1.43
P/S
2.73
EV/EBIT
4.97
EV/EBITDA
4.4
EV/Sales
2.14
The price to earnings (P/E) is 20% higher than the last 4 quarters average of 6.9 and 15% higher than the 5-year quarterly average of 7.2
The company's EPS fell by 15% QoQ but it rose by 4.7% YoY
SYF's price to book (P/B) is 10% higher than its 5-year quarterly average of 1.3 and 10% higher than its last 4 quarters average of 1.3
The company's equity rose by 9% YoY
The price to sales (P/S) is 19% higher than the 5-year quarterly average of 2.3 and 14% higher than the last 4 quarters average of 2.4
SYF's revenue is down by 7% since the previous quarter
Efficiency
How efficient is Synchrony Financial business performance
The company's return on invested capital fell by 18% QoQ and by 6% YoY
SYF's return on equity is down by 18% since the previous quarter and by 13% year-on-year
Synchrony Financial's return on assets has decreased by 17% QoQ and by 4% YoY
The company's return on sales fell by 10% QoQ
Dividends
What is SYF's dividend history
DPS
$1.05
Dividend yield
1.72%
Payout ratio
14.3%
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 2.5% from the previous quarter
SYF's total assets is up by 2.1% since the previous quarter
The company's debt is 2.6% higher than its equity
The debt to equity has grown by 11% from the previous quarter but it has contracted by 2.8% YoY
The company's debt rose by 10% QoQ and by 5% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.