SYF Synchrony Financial

Price (delayed)

$43.94

Market cap

$17.64B

P/E Ratio

6.25

Dividend/share

$1

EPS

$7.03

Enterprise value

$13.76B

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 35% QoQ and by 22% YoY
Synchrony Financial's net income has increased by 32% from the previous quarter and by 9% YoY
The company's debt rose by 8% YoY

Key stats

What are the main financial stats of SYF
Market
Shares outstanding
401.54M
Market cap
$17.64B
Enterprise value
$13.76B
Valuations
Price to book (P/B)
1.17
Price to sales (P/S)
2.06
EV/EBIT
3.64
EV/EBITDA
3.24
EV/Sales
1.59
Earnings
Revenue
$8.67B
EBIT
$3.78B
EBITDA
$4.25B
Free cash flow
$8.96B
Per share
EPS
$7.03
Free cash flow per share
$22.01
Book value per share
$37.56
Revenue per share
$21.3
TBVPS
$293.23
Balance sheet
Total assets
$121.17B
Total liabilities
$105.89B
Debt
$16.13B
Equity
$15.28B
Working capital
N/A
Liquidity
Debt to equity
1.06
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.92
Margins
EBITDA margin
49%
Gross margin
100%
Net margin
33.3%
Operating margin
44.1%
Efficiency
Return on assets
2.5%
Return on equity
20.5%
Return on invested capital
3.4%
Return on capital employed
N/A
Return on sales
43.6%
Dividend
Dividend yield
2.28%
DPS
$1
Payout ratio
14.2%

SYF stock price

How has the Synchrony Financial stock price performed over time
Intraday
1.06%
1 week
-3.91%
1 month
10.74%
1 year
52.78%
YTD
15.06%
QTD
1.9%

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$8.67B
Gross profit
$8.67B
Operating income
$3.82B
Net income
$2.89B
Gross margin
100%
Net margin
33.3%
Synchrony Financial's net income has increased by 32% from the previous quarter and by 9% YoY
The company's operating income rose by 32% QoQ and by 9% YoY
The operating margin has grown by 16% from the previous quarter
The company's net margin rose by 16% QoQ

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
P/E
6.25
P/B
1.17
P/S
2.06
EV/EBIT
3.64
EV/EBITDA
3.24
EV/Sales
1.59
The company's EPS rose by 35% QoQ and by 22% YoY
The price to earnings (P/E) is 11% lower than the 5-year quarterly average of 7.0
The company's equity rose by 16% YoY and by 10% QoQ
SYF's price to book (P/B) is 10% lower than its 5-year quarterly average of 1.3 but 6% higher than its last 4 quarters average of 1.1
SYF's revenue is up by 13% since the previous quarter and by 9% year-on-year
The price to sales (P/S) is 10% lower than the 5-year quarterly average of 2.3 but 8% higher than the last 4 quarters average of 1.9

Efficiency

How efficient is Synchrony Financial business performance
The company's return on invested capital rose by 31% QoQ
SYF's return on equity is up by 27% since the previous quarter
Synchrony Financial's return on assets has increased by 25% QoQ but it has decreased by 3.8% YoY
The company's return on sales rose by 17% QoQ

Dividends

What is SYF's dividend history
DPS
$1
Dividend yield
2.28%
Payout ratio
14.2%
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 12% YoY and by 2.2% from the previous quarter
SYF's total assets is up by 12% year-on-year and by 3.1% since the previous quarter
The company's debt is 6% higher than its equity
The company's equity rose by 16% YoY and by 10% QoQ
The debt to equity has contracted by 8% from the previous quarter and by 6% YoY

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