SYF Synchrony Financial

Price (delayed)

$46.51

Market cap

$26.5B

P/E Ratio

8.26

Dividend/share

$0.88

EPS

$5.63

Enterprise value

$28.84B

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 has surged by 72% YoY and by 58% QoQ
Synchrony Financial's net income has soared by 57% from the previous quarter and by 56% YoY

Key stats

What are the main financial stats of SYF
Market
Shares outstanding
569.7M
Market cap
$26.5B
Enterprise value
$28.84B
Valuations
Price to earnings (P/E)
8.26
Price to book (P/B)
1.91
Price to sales (P/S)
3.28
EV/EBIT
6.75
EV/EBITDA
6.2
EV/Sales
3.49
Earnings
Revenue
$8.26B
EBIT
$4.27B
EBITDA
$4.65B
Free cash flow
$6.85B
Per share
EPS
$5.63
Free cash flow per share
$11.78
Book value per share
$24.41
Revenue per share
$14.2
TBVPS
$154.43
Balance sheet
Total assets
$92.02B
Total liabilities
$77.82B
Debt
$13.46B
Equity
$14.2B
Working capital
N/A
Liquidity
Debt to equity
0.95
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.5
Margins
EBITDA margin
56.3%
Gross margin
100%
Net margin
39.7%
Operating margin
52.2%
Efficiency
Return on assets
3.5%
Return on equity
25%
Return on invested capital
4.5%
Return on capital employed
N/A
Return on sales
51.7%
Dividend
Dividend yield
1.89%
DPS
$0.88
Payout ratio
15.6%

SYF stock price

How has the Synchrony Financial stock price performed over time
Intraday
1.31%
1 week
-0.47%
1 month
-3.75%
1 year
98.85%
YTD
34%
QTD
-4.14%

Financial performance

How have Synchrony Financial's revenue and profit performed over time
Revenue
$8.26B
Gross profit
$8.26B
Operating income
$4.31B
Net income
$3.28B
Gross margin
100%
Net margin
39.7%
The company's operating income has surged by 58% QoQ and by 58% YoY
Synchrony Financial's net income has soared by 57% from the previous quarter and by 56% YoY
The operating margin has grown by 31% YoY and by 28% from the previous quarter
The company's net margin rose by 30% YoY and by 28% QoQ

Growth

What is Synchrony Financial's growth rate over time

Valuation

What is Synchrony Financial stock price valuation
P/E
8.26
P/B
1.91
P/S
3.28
EV/EBIT
6.75
EV/EBITDA
6.2
EV/Sales
3.49
The company's EPS has surged by 72% YoY and by 58% QoQ
The price to earnings (P/E) is 30% lower than the last 4 quarters average of 11.8 and 17% lower than the 5-year quarterly average of 10.0
The company's equity rose by 19% YoY and by 6% QoQ
SYF's price to book (P/B) is 19% higher than its 5-year quarterly average of 1.6 and 12% higher than its last 4 quarters average of 1.7
SYF's revenue is up by 23% since the previous quarter and by 20% year-on-year
The price to sales (P/S) is 6% higher than the 5-year quarterly average of 3.1

Efficiency

How efficient is Synchrony Financial business performance
The company's return on invested capital has surged by 73% YoY and by 61% QoQ
Synchrony Financial's return on assets has surged by 67% YoY and by 59% QoQ
SYF's return on equity has surged by 61% year-on-year and by 51% since the previous quarter
The company's return on sales rose by 31% YoY and by 29% QoQ

Dividends

What is SYF's dividend history
DPS
$0.88
Dividend yield
1.89%
Payout ratio
15.6%
Recent dividends

Financial health

How did Synchrony Financial financials performed over time
SYF's total assets is 18% greater than its total liabilities
The total liabilities has contracted by 8% YoY and by 6% from the previous quarter
SYF's total assets is down by 4.7% year-on-year and by 4% since the previous quarter
The company's debt is 5% lower than its equity
The debt to equity has contracted by 30% YoY and by 16% from the previous quarter
The company's equity rose by 19% YoY and by 6% QoQ

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