SYF Synchrony Financial

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

Price (delayed)

$33.83

Market cap

$14B

P/E Ratio

6.18

Dividend/share

$0.96

EPS

$5.47

Enterprise value

$13.59B

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 6% YoY and by 2.9% QoQ
The price to earnings (P/E) is 12% higher than the last 4 quarters average of 5.5 but 12% lower than the 5-year quarterly average of 7.0
Synchrony Financial's net income has decreased by 27% YoY and by 3.1% from the previous quarter
The company's EPS fell by 14% YoY
Sector: Financial Services
Industry: Credit Services
Website: https://www.synchronyfinancial.com/
Peers: V MA FLT

Key stats

What are the main financial stats of SYF
Market
Shares outstanding
413.8M
Market cap
$14B
Enterprise value
$13.59B
Valuations
Price to earnings (P/E)
6.18
Price to book (P/B)
1.03
Price to sales (P/S)
1.84
EV/EBIT
4.43
EV/EBITDA
3.88
EV/Sales
1.76
Earnings
Revenue
$7.7B
EBIT
$3.07B
EBITDA
$3.51B
Free cash flow
$8.12B
Per share
EPS
$5.47
Free cash flow per share
$19.42
Book value per share
$32.92
Revenue per share
$18.41
TBVPS
$264.63
Balance sheet
Total assets
$112.94B
Total liabilities
$99.17B
Debt
$15.23B
Equity
$13.77B
Working capital
N/A
Liquidity
Debt to equity
1.11
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.12
Margins
EBITDA margin
45.5%
Gross margin
100%
Net margin
30.3%
Operating margin
40.3%
Efficiency
Return on assets
2.2%
Return on equity
17.5%
Return on invested capital
2.9%
Return on capital employed
N/A
Return on sales
39.8%
Dividend
Dividend yield
2.84%
DPS
$0.96
Payout ratio
17.6%

SYF stock price

How has the Synchrony Financial stock price performed over time
Intraday
4.54%
1 week
13.41%
1 month
20.95%
1 year
-5.87%
YTD
2.95%
QTD
10.66%

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$7.7B
Gross profit
$7.7B
Operating income
$3.11B
Net income
$2.33B
Gross margin
100%
Net margin
30.3%
The company's operating income fell by 27% YoY and by 2.8% QoQ
Synchrony Financial's net income has decreased by 27% YoY and by 3.1% from the previous quarter
The company's net margin fell by 19% YoY and by 3.2% QoQ
The operating margin has contracted by 19% YoY and by 2.9% from the previous quarter

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
SYF P/E details
P/E
6.18
P/B
1.03
P/S
1.84
EV/EBIT
4.43
EV/EBITDA
3.88
EV/Sales
1.76
The company's EPS fell by 14% YoY
The price to earnings (P/E) is 12% higher than the last 4 quarters average of 5.5 but 12% lower than the 5-year quarterly average of 7.0
SYF's price to book (P/B) is 26% lower than its 5-year quarterly average of 1.4 but 3% higher than its last 4 quarters average of 1.0
The company's equity rose by 6% YoY and by 2.9% QoQ
The price to sales (P/S) is 20% lower than the 5-year quarterly average of 2.3 but 8% higher than the last 4 quarters average of 1.7
SYF's revenue is down by 10% year-on-year

Efficiency

How efficient is Synchrony Financial business performance
Synchrony Financial's return on assets has decreased by 33% YoY and by 4.3% QoQ
The company's return on invested capital fell by 33% YoY and by 3.3% QoQ
SYF's return on equity is down by 27% year-on-year and by 4.9% since the previous quarter
The company's return on sales fell by 19% YoY and by 2.9% QoQ

Dividends

What is SYF's dividend history
Dividend details
DPS
$0.96
Dividend yield
2.84%
Payout ratio
17.6%
Recent dividends

Financial health

How did Synchrony Financial financials performed over time
SYF's total assets is 14% greater than its total liabilities
The total liabilities has grown by 13% YoY and by 4% from the previous quarter
SYF's total assets is up by 12% year-on-year and by 3.9% since the previous quarter
The company's debt is 11% higher than its equity
The company's debt rose by 7% QoQ and by 6% YoY
The company's equity rose by 6% YoY and by 2.9% QoQ

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