SYF Synchrony Financial

Price (delayed)

$40.64

Market cap

$23.73B

P/E Ratio

17.82

Dividend/share

$0.88

EPS

$2.28

Enterprise value

$27.98B

Sector: Financial Services
Industry: Credit Services

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 debt fell by 21% YoY
The company's EPS has shrunk by 59% YoY but it rose by 3.6% QoQ
The company's equity fell by 16% YoY but it rose by 5% QoQ
The price to earnings (P/E) is 90% higher than the last 4 quarters average of 9.4 and 78% higher than the 5-year quarterly average of 10.0
Synchrony Financial's net income has plunged by 64% YoY

Key stats

What are the main financial stats of SYF
Market
Shares outstanding
583.88M
Market cap
$23.73B
Enterprise value
$27.98B
Valuations
Price to earnings (P/E)
17.82
Price to book (P/B)
1.87
Price to sales (P/S)
4.05
EV/EBIT
15.94
EV/EBITDA
13.09
EV/Sales
4.78
Earnings
Revenue
$5.85B
EBIT
$1.76B
EBITDA
$2.14B
Free cash flow
$7.49B
Per share
EPS
$2.28
Free cash flow per share
$12.82
Book value per share
$21.76
Revenue per share
$10.02
TBVPS
$160.58
Balance sheet
Total assets
$95.95B
Total liabilities
$83.25B
Debt
$15.78B
Equity
$12.7B
Working capital
N/A
Liquidity
Debt to equity
1.24
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.99
Margins
EBITDA margin
36.5%
Gross margin
100%
Net margin
22.9%
Operating margin
30.7%
Efficiency
Return on assets
1.4%
Return on equity
11%
Return on invested capital
1.8%
Return on capital employed
N/A
Return on sales
30%
Dividend
Dividend yield
2.17%
DPS
$0.88
Payout ratio
38.6%

SYF stock price

How has the Synchrony Financial stock price performed over time
Intraday
1.35%
1 week
1.6%
1 month
7.88%
1 year
43.86%
YTD
17.08%
QTD
17.08%

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$5.85B
Gross profit
$5.85B
Operating income
$1.8B
Net income
$1.34B
Gross margin
100%
Net margin
22.9%
Synchrony Financial's net income has plunged by 64% YoY
The company's operating income has shrunk by 63% YoY
The company's net margin fell by 44% YoY
The operating margin has contracted by 43% YoY but it has grown by 2.3% from the previous quarter

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
P/E
17.82
P/B
1.87
P/S
4.05
EV/EBIT
15.94
EV/EBITDA
13.09
EV/Sales
4.78
The price to earnings (P/E) is 90% higher than the last 4 quarters average of 9.4 and 78% higher than the 5-year quarterly average of 10.0
The company's EPS has shrunk by 59% YoY but it rose by 3.6% QoQ
SYF's price to book (P/B) is 56% higher than its last 4 quarters average of 1.2 and 17% higher than its 5-year quarterly average of 1.6
The company's equity fell by 16% YoY but it rose by 5% QoQ
The price to sales (P/S) is 76% higher than the last 4 quarters average of 2.3 and 31% higher than the 5-year quarterly average of 3.1
SYF's revenue is down by 36% year-on-year

Efficiency

How efficient is Synchrony Financial business performance
Synchrony Financial's return on assets has shrunk by 60% YoY
The company's return on invested capital has shrunk by 59% YoY but it rose by 6% QoQ
SYF's return on equity has dropped by 56% year-on-year but it is up by 4.8% since the previous quarter
The company's return on sales fell by 44% YoY

Dividends

What is SYF's dividend history
DPS
$0.88
Dividend yield
2.17%
Payout ratio
38.6%
Recent dividends

Financial health

How did Synchrony Financial financials performed over time
SYF's total assets is 15% greater than its total liabilities
The company's debt is 24% higher than its equity
The company's equity fell by 16% YoY but it rose by 5% QoQ
The debt to equity has contracted by 6% YoY and by 4.6% from the previous quarter

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