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Price (delayed)
$66.62
Market cap
$25.94B
P/E Ratio
8.61
Dividend/share
$1
EPS
$7.74
Enterprise value
$23.64B
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 41% YoY and by 6% QoQ
Synchrony Financial's net income has increased by 33% YoY and by 5% from the previous quarter
The price to earnings (P/E) is 30% higher than the last 4 quarters average of 6.6 and 25% higher than the 5-year quarterly average of 6.9
The company's debt rose by 2.6% YoY
Key stats
What are the main financial stats of SYF
Market
Valuations
Earnings
Shares outstanding
389.34M
Market cap
$25.94B
Enterprise value
$23.64B
Price to book (P/B)
1.65
Price to sales (P/S)
2.92
EV/EBIT
5.83
EV/EBITDA
5.21
EV/Sales
2.62
Revenue
$9.01B
Gross profit
$9.01B
Net income
$3.1B
EBIT
$4.06B
EBITDA
$4.54B
Free cash flow
$9.81B
Per share
Balance sheet
Liquidity
EPS
$7.74
EPS diluted
$7.68
Free cash flow per share
$24.83
Book value per share
$40.43
Revenue per share
$22.79
TBVPS
$296.51
Total assets
$119.23B
Total liabilities
$103.25B
Debt
$15.63B
Equity
$15.98B
Working capital
N/A
Debt to equity
0.98
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.51
Margins
Efficiency
Dividend
EBITDA margin
50.4%
Gross margin
100%
Net margin
34.5%
Operating margin
45.7%
Return on assets
2.6%
Return on equity
20.4%
Return on invested capital
3.5%
Return on capital employed
N/A
Return on sales
45%
Dividend yield
1.5%
DPS
$1
Payout ratio
12.9%
SYF stock price
How has the Synchrony Financial stock price performed over time
Intraday
1.77%
1 week
-0.85%
1 month
0.95%
1 year
75.59%
YTD
74.44%
QTD
33.56%
Financial performance
How have Synchrony Financial's revenue and profit performed over time
Revenue
$9.01B
Gross profit
$9.01B
Operating income
$4.12B
Net income
$3.1B
Gross margin
100%
Net margin
34.5%
Synchrony Financial's net income has increased by 33% YoY and by 5% from the previous quarter
The company's operating income rose by 33% YoY and by 5% QoQ
SYF's revenue is up by 17% year-on-year and by 2.6% since the previous quarter
The gross profit is up by 17% year-on-year and by 2.6% since the previous quarter
Growth
What is Synchrony Financial's growth rate over time
Valuation
What is Synchrony Financial stock price valuation
P/E
8.61
P/B
1.65
P/S
2.92
EV/EBIT
5.83
EV/EBITDA
5.21
EV/Sales
2.62
The company's EPS rose by 41% YoY and by 6% QoQ
The price to earnings (P/E) is 30% higher than the last 4 quarters average of 6.6 and 25% higher than the 5-year quarterly average of 6.9
SYF's price to book (P/B) is 38% higher than its last 4 quarters average of 1.2 and 27% higher than its 5-year quarterly average of 1.3
The company's equity rose by 16% YoY and by 2.8% QoQ
The price to sales (P/S) is 39% higher than the last 4 quarters average of 2.1 and 33% higher than the 5-year quarterly average of 2.2
SYF's revenue is up by 17% year-on-year and by 2.6% since the previous quarter
Efficiency
How efficient is Synchrony Financial business performance
The company's return on invested capital rose by 21% YoY and by 2.9% QoQ
Synchrony Financial's return on assets has increased by 18% YoY and by 4% QoQ
SYF's return on equity is up by 17% year-on-year
The company's return on sales rose by 13% YoY and by 2% QoQ
Dividends
What is SYF's dividend history
DPS
$1
Dividend yield
1.5%
Payout ratio
12.9%
Recent dividends
Special dividends are included in TTM DPS and yield
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 6% year-on-year
The total liabilities has grown by 4.1% YoY
The company's debt is 2.2% lower than its equity
The company's equity rose by 16% YoY and by 2.8% QoQ
The debt to equity has contracted by 12% YoY and by 3% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.