SYF Synchrony Financial

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

Price (delayed)

$50.78

Market cap

$20.07B

P/E Ratio

6.98

Dividend/share

$1

EPS

$7.27

Enterprise value

$17.07B

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 rose by 33% YoY and by 3.4% QoQ
Synchrony Financial's net income has increased by 23% YoY and by 2.3% from the previous quarter
The company's debt rose by 10% YoY but it fell by 3.1% QoQ
The price to earnings (P/E) is 8% higher than the last 4 quarters average of 6.4
Sector: Financial Services
Industry: Credit Services
Website: https://www.synchronyfinancial.com/
Peers: V MA URI

Key stats

What are the main financial stats of SYF
Market
Shares outstanding
395.23M
Market cap
$20.07B
Enterprise value
$17.07B
Valuations
Price to earnings (P/E)
6.98
Price to book (P/B)
1.31
Price to sales (P/S)
2.32
EV/EBIT
4.41
EV/EBITDA
3.93
EV/Sales
1.95
Earnings
Revenue
$8.78B
EBIT
$3.87B
EBITDA
$4.35B
Free cash flow
$9.53B
Per share
EPS
$7.27
Free cash flow per share
$23.74
Book value per share
$38.7
Revenue per share
$21.86
TBVPS
$294.96
Balance sheet
Total assets
$120.49B
Total liabilities
$104.95B
Debt
$15.64B
Equity
$15.54B
Working capital
N/A
Liquidity
Debt to equity
1.01
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.69
Margins
EBITDA margin
49.5%
Gross margin
100%
Net margin
33.6%
Operating margin
44.7%
Efficiency
Return on assets
2.5%
Return on equity
20.2%
Return on invested capital
3.4%
Return on capital employed
N/A
Return on sales
44.1%
Dividend
Dividend yield
1.97%
DPS
$1
Payout ratio
13.8%

SYF stock price

How has the Synchrony Financial stock price performed over time
Intraday
0.79%
1 week
1.62%
1 month
13.15%
1 year
45.67%
YTD
32.97%
QTD
7.61%

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$8.78B
Gross profit
$8.78B
Operating income
$3.92B
Net income
$2.95B
Gross margin
100%
Net margin
33.6%
Synchrony Financial's net income has increased by 23% YoY and by 2.3% from the previous quarter
The company's operating income rose by 23% YoY and by 2.7% QoQ
SYF's revenue is up by 14% year-on-year
The gross profit is up by 14% year-on-year

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
SYF P/E details
P/E
6.98
P/B
1.31
P/S
2.32
EV/EBIT
4.41
EV/EBITDA
3.93
EV/Sales
1.95
The company's EPS rose by 33% YoY and by 3.4% QoQ
The price to earnings (P/E) is 8% higher than the last 4 quarters average of 6.4
SYF's price to book (P/B) is 18% higher than its last 4 quarters average of 1.1
The company's equity rose by 16% YoY
The price to sales (P/S) is 15% higher than the last 4 quarters average of 2.0
SYF's revenue is up by 14% year-on-year

Efficiency

How efficient is Synchrony Financial business performance
The company's return on invested capital rose by 13% YoY
SYF's return on equity is up by 10% year-on-year
Synchrony Financial's return on assets has increased by 9% YoY
The company's return on sales rose by 8% YoY

Dividends

What is SYF's dividend history
Dividend details
DPS
$1
Dividend yield
1.97%
Payout ratio
13.8%
Recent dividends

Financial health

How did Synchrony Financial financials performed over time
SYF's total assets is 15% greater than its total liabilities
SYF's total assets is up by 11% year-on-year
The total liabilities has grown by 10% YoY
The company's equity rose by 16% YoY
The company's debt rose by 10% YoY but it fell by 3.1% QoQ

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