SYF Synchrony Financial

Price (delayed)

$32.35

Market cap

$18.89B

P/E Ratio

14.7

Dividend/share

$0.88

EPS

$2.2

Enterprise value

$21.1B

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 23% YoY
The price to earnings (P/E) is 104% higher than the last 4 quarters average of 7.2 and 50% higher than the 5-year quarterly average of 9.8
Synchrony Financial's net income has plunged by 65% YoY and by 36% from the previous quarter

Key stats

What are the main financial stats of SYF
Market
Shares outstanding
583.79M
Market cap
$18.89B
Enterprise value
$21.1B
Valuations
Price to earnings (P/E)
14.7
Price to book (P/B)
1.56
Price to sales (P/S)
3.2
EV/EBIT
12.12
EV/EBITDA
9.93
EV/Sales
3.57
Earnings
Revenue
$5.91B
EBIT
$1.74B
EBITDA
$2.13B
Free cash flow
$7.74B
Per share
EPS
$2.2
Free cash flow per share
$13.25
Book value per share
$20.73
Revenue per share
$10.12
TBVPS
$160.15
Balance sheet
Total assets
$95.66B
Total liabilities
$83.56B
Debt
$15.77B
Equity
$12.1B
Working capital
N/A
Liquidity
Debt to equity
1.3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.04
Margins
EBITDA margin
36%
Gross margin
100%
Net margin
22.8%
Operating margin
30%
Efficiency
Return on assets
1.4%
Return on equity
10.5%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
29.5%
Dividend
Dividend yield
2.72%
DPS
$0.88
Payout ratio
40%

SYF stock price

How has the Synchrony Financial stock price performed over time
Intraday
0.06%
1 week
3.09%
1 month
21.34%
1 year
-12.14%
YTD
-10.16%
QTD
23.61%

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$5.91B
Gross profit
$5.91B
Operating income
$1.77B
Net income
$1.35B
Gross margin
100%
Net margin
22.8%
Synchrony Financial's net income has plunged by 65% YoY and by 36% from the previous quarter
The company's operating income has shrunk by 64% YoY and by 35% QoQ
The company's net margin fell by 45% YoY and by 25% QoQ
The operating margin has contracted by 44% YoY and by 25% from the previous quarter

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
P/E
14.7
P/B
1.56
P/S
3.2
EV/EBIT
12.12
EV/EBITDA
9.93
EV/Sales
3.57
The price to earnings (P/E) is 104% higher than the last 4 quarters average of 7.2 and 50% higher than the 5-year quarterly average of 9.8
The company's EPS has shrunk by 60% YoY and by 33% QoQ
SYF's price to book (P/B) is 30% higher than its last 4 quarters average of 1.2 but 2.5% lower than its 5-year quarterly average of 1.6
The company's equity fell by 20% YoY
The price to sales (P/S) is 52% higher than the last 4 quarters average of 2.1 and 3.2% higher than the 5-year quarterly average of 3.1
SYF's revenue is down by 36% year-on-year and by 14% since the previous quarter

Efficiency

How efficient is Synchrony Financial business performance
The company's return on invested capital has shrunk by 61% YoY and by 35% QoQ
Synchrony Financial's return on assets has shrunk by 61% YoY and by 33% QoQ
SYF's return on equity has dropped by 59% year-on-year and by 32% since the previous quarter
The company's return on sales fell by 45% YoY and by 25% QoQ

Dividends

What is SYF's dividend history
DPS
$0.88
Dividend yield
2.72%
Payout ratio
40%
Recent dividends

Financial health

How did Synchrony Financial financials performed over time
SYF's total assets is 14% greater than its total liabilities
The company's debt is 30% higher than its equity
The debt to equity has contracted by 3.7% from the previous quarter and by 3.7% YoY

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