SYF Synchrony Financial

Price (delayed)

$46.68

Market cap

$25.55B

P/E Ratio

6.55

Dividend/share

$0.88

EPS

$7.13

Enterprise value

$28.5B

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
SYF's revenue has surged by 56% year-on-year and by 12% since the previous quarter
The gross profit has soared by 56% year-on-year and by 12% since the previous quarter

Key stats

What are the main financial stats of SYF
Market
Shares outstanding
547.26M
Market cap
$25.55B
Enterprise value
$28.5B
Valuations
Price to earnings (P/E)
6.55
Price to book (P/B)
1.91
Price to sales (P/S)
2.88
EV/EBIT
5.32
EV/EBITDA
4.97
EV/Sales
3.08
Earnings
Revenue
$9.24B
EBIT
$5.36B
EBITDA
$5.74B
Free cash flow
$7.18B
Per share
EPS
$7.13
Free cash flow per share
$12.6
Book value per share
$24.46
Revenue per share
$16.22
TBVPS
$157.53
Balance sheet
Total assets
$91.94B
Total liabilities
$78B
Debt
$12.76B
Equity
$13.94B
Working capital
N/A
Liquidity
Debt to equity
0.92
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.51
Margins
EBITDA margin
62.1%
Gross margin
100%
Net margin
44.4%
Operating margin
58.4%
Efficiency
Return on assets
4.4%
Return on equity
30.2%
Return on invested capital
5.7%
Return on capital employed
N/A
Return on sales
58%
Dividend
Dividend yield
1.89%
DPS
$0.88
Payout ratio
12.3%

SYF stock price

How has the Synchrony Financial stock price performed over time
Intraday
-4.64%
1 week
-10.13%
1 month
-9.74%
1 year
77.96%
YTD
34.49%
QTD
-4.5%

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$9.24B
Gross profit
$9.24B
Operating income
$5.4B
Net income
$4.1B
Gross margin
100%
Net margin
44.4%
The company's net margin has surged by 95% YoY and by 12% QoQ
The operating margin has soared by 95% YoY and by 12% from the previous quarter
SYF's revenue has surged by 56% year-on-year and by 12% since the previous quarter
The gross profit has soared by 56% year-on-year and by 12% since the previous quarter

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
P/E
6.55
P/B
1.91
P/S
2.88
EV/EBIT
5.32
EV/EBITDA
4.97
EV/Sales
3.08
The price to earnings (P/E) is 38% lower than the last 4 quarters average of 10.5 and 33% lower than the 5-year quarterly average of 9.8
The company's EPS rose by 27% QoQ
SYF's price to book (P/B) is 19% higher than its 5-year quarterly average of 1.6 and 6% higher than its last 4 quarters average of 1.8
The company's equity rose by 15% YoY
SYF's revenue has surged by 56% year-on-year and by 12% since the previous quarter
The price to sales (P/S) is 15% lower than the last 4 quarters average of 3.4 and 7% lower than the 5-year quarterly average of 3.1

Efficiency

How efficient is Synchrony Financial business performance
SYF's return on equity has surged by 188% year-on-year and by 21% since the previous quarter
The company's return on sales has surged by 97% YoY and by 12% QoQ
The company's return on invested capital rose by 27% QoQ
Synchrony Financial's return on assets has increased by 26% QoQ

Dividends

What is SYF's dividend history
DPS
$0.88
Dividend yield
1.89%
Payout ratio
12.3%
Recent dividends

Financial health

How did Synchrony Financial financials performed over time
SYF's total assets is 18% greater than its total liabilities
The total liabilities has contracted by 7% YoY
SYF's total assets is down by 3.9% year-on-year
The company's debt is 8% lower than its equity
The debt to equity has contracted by 29% YoY and by 3.2% from the previous quarter
The company's debt fell by 19% YoY and by 5% QoQ

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