SYF Synchrony Financial

Price (delayed)

$27.15

Market cap

$16.13B

P/E Ratio

8.43

Dividend/share

$0.88

EPS

$3.28

Enterprise value

$15.86B

Sector: Financial Services
Industry: Credit Services
Synchrony Financial engages in the provision of consumer financial services. It operates through three sales platforms: Retail Card, Payment Solutions, and CareCredit. The Retail Card platform is a provider of private label credit cards, and also provides Dual Cards and small-and medium-sized business credit products. The Payment Solutions platform is a provider of promotional financing for major consumer purchases, offering private label credit cards and instalment loans. The CareCredit platform is a provider of promotional financing to consumers for elective healthcare procedures or services, such as dental, veterinary, cosmetic, vision and audiology. The company was founded on September 12, 2003 and is headquartered in Stamford, CT.

Highlights

The company's debt fell by 24% YoY and by 7% QoQ
The price to earnings (P/E) is 45% higher than the last 4 quarters average of 5.8 but 14% lower than the 5-year quarterly average of 9.8
Synchrony Financial's net income has decreased by 39% YoY and by 28% from the previous quarter
The company's EPS fell by 32% YoY and by 27% QoQ

Key stats

What are the main financial stats of SYF
Market
Shares outstanding
583.76M
Market cap
$16.13B
Enterprise value
$15.86B
Valuations
Price to earnings (P/E)
8.43
Price to book (P/B)
1.36
Price to sales (P/S)
2.35
EV/EBIT
5.84
EV/EBITDA
5.12
EV/Sales
2.31
Earnings
Revenue
$6.87B
EBIT
$2.72B
EBITDA
$3.1B
Free cash flow
$8.65B
Per share
EPS
$3.28
Free cash flow per share
$14.82
Book value per share
$20.39
Revenue per share
$11.77
TBVPS
$161.55
Balance sheet
Total assets
$96.54B
Total liabilities
$84.65B
Debt
$16.07B
Equity
$11.9B
Working capital
N/A
Liquidity
Debt to equity
1.35
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.09
Margins
EBITDA margin
45.1%
Gross margin
100%
Net margin
30.6%
Operating margin
39.9%
Efficiency
Return on assets
2.1%
Return on equity
15.5%
Return on invested capital
2.6%
Return on capital employed
N/A
Return on sales
39.5%
Dividend
Dividend yield
3.18%
DPS
$0.88
Payout ratio
26.8%

SYF stock price

How has the Synchrony Financial stock price performed over time

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$6.87B
Gross profit
$6.87B
Operating income
$2.74B
Net income
$2.1B
Gross margin
100%
Net margin
30.6%
The company's operating income fell by 39% YoY and by 28% QoQ
Synchrony Financial's net income has decreased by 39% YoY and by 28% from the previous quarter
The operating margin has contracted by 23% YoY and by 16% from the previous quarter
The company's net margin fell by 22% YoY and by 16% QoQ

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
P/E
8.43
P/B
1.36
P/S
2.35
EV/EBIT
5.84
EV/EBITDA
5.12
EV/Sales
2.31
The price to earnings (P/E) is 45% higher than the last 4 quarters average of 5.8 but 14% lower than the 5-year quarterly average of 9.8
The company's EPS fell by 32% YoY and by 27% QoQ
SYF's price to book (P/B) is 20% lower than its 5-year quarterly average of 1.7 but 13% higher than its last 4 quarters average of 1.2
The company's equity fell by 19% YoY
The price to sales (P/S) is 24% lower than the 5-year quarterly average of 3.1 but 18% higher than the last 4 quarters average of 2.0
SYF's revenue is down by 21% year-on-year and by 14% since the previous quarter

Efficiency

How efficient is Synchrony Financial business performance
Synchrony Financial's return on assets has decreased by 34% YoY and by 25% QoQ
SYF's return on equity is down by 34% year-on-year and by 24% since the previous quarter
The company's return on invested capital fell by 33% YoY and by 26% QoQ
The company's return on sales fell by 23% YoY and by 17% QoQ

Dividends

What is SYF's dividend history
DPS
$0.88
Dividend yield
3.18%
Payout ratio
26.8%
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 35% higher than its equity
The company's debt fell by 24% YoY and by 7% QoQ
The debt to equity has contracted by 6% from the previous quarter and by 6% YoY

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