SYF Synchrony Financial

Price (delayed)

$29.54

Market cap

$14.81B

P/E Ratio

3.97

Dividend/share

$0.88

EPS

$7.45

Enterprise value

$17.63B

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 has surged by 109% YoY
The price to earnings (P/E) is 56% lower than the 5-year quarterly average of 9.1 and 40% lower than the last 4 quarters average of 6.6
Synchrony Financial's net income has soared by 96% YoY but it has decreased by 2.2% from the previous quarter

Key stats

What are the main financial stats of SYF
Market
Shares outstanding
501.49M
Market cap
$14.81B
Enterprise value
$17.63B
Valuations
Price to earnings (P/E)
3.97
Price to book (P/B)
1.15
Price to sales (P/S)
1.62
EV/EBIT
3.28
EV/EBITDA
3.05
EV/Sales
1.86
Earnings
Revenue
$9.49B
EBIT
$5.38B
EBITDA
$5.78B
Free cash flow
$6.66B
Per share
EPS
$7.45
Free cash flow per share
$12.77
Book value per share
$25.74
Revenue per share
$18.21
TBVPS
$178.43
Balance sheet
Total assets
$95.27B
Total liabilities
$81.85B
Debt
$13.36B
Equity
$13.42B
Working capital
N/A
Liquidity
Debt to equity
1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.49
Margins
EBITDA margin
60.9%
Gross margin
100%
Net margin
43.1%
Operating margin
57.1%
Efficiency
Return on assets
4.4%
Return on equity
29.6%
Return on invested capital
5.7%
Return on capital employed
N/A
Return on sales
56.7%
Dividend
Dividend yield
2.98%
DPS
$0.88
Payout ratio
11.8%

SYF stock price

How has the Synchrony Financial stock price performed over time
Intraday
4.68%
1 week
-1.17%
1 month
-10.24%
1 year
-39.71%
YTD
-36.32%
QTD
-15.14%

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$9.49B
Gross profit
$9.49B
Operating income
$5.42B
Net income
$4.09B
Gross margin
100%
Net margin
43.1%
The company's operating income has surged by 99% YoY
Synchrony Financial's net income has soared by 96% YoY but it has decreased by 2.2% from the previous quarter
SYF's revenue is up by 41% year-on-year
The gross profit is up by 41% year-on-year

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
P/E
3.97
P/B
1.15
P/S
1.62
EV/EBIT
3.28
EV/EBITDA
3.05
EV/Sales
1.86
The company's EPS has surged by 109% YoY
The price to earnings (P/E) is 56% lower than the 5-year quarterly average of 9.1 and 40% lower than the last 4 quarters average of 6.6
SYF's price to book (P/B) is 36% lower than its last 4 quarters average of 1.8 and 28% lower than its 5-year quarterly average of 1.6
The price to sales (P/S) is 44% lower than the 5-year quarterly average of 2.9 and 42% lower than the last 4 quarters average of 2.8
SYF's revenue is up by 41% year-on-year

Efficiency

How efficient is Synchrony Financial business performance
The company's return on invested capital has surged by 104% YoY
Synchrony Financial's return on assets has surged by 100% YoY but it has decreased by 2.2% QoQ
SYF's return on equity has surged by 78% year-on-year but it is down by 2.3% since the previous quarter
The company's return on sales rose by 42% YoY

Dividends

What is SYF's dividend history
DPS
$0.88
Dividend yield
2.98%
Payout ratio
11.8%
Recent dividends

Financial health

How did Synchrony Financial financials performed over time
SYF's total assets is 16% greater than its total liabilities
The company's debt fell by 12% YoY and by 8% QoQ
The debt to equity has contracted by 12% YoY and by 6% from the previous quarter

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