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Also traded in: Germany, Mexico

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

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GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

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» SYF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

SYF Guru Trades in Q1 2016

Signature Select Canadian Fund 206,837 sh (New)
David Dreman 26,899 sh (New)
David Tepper 5,020,453 sh (New)
Leon Cooperman 2,136,700 sh (+125.80%)
Jim Simons 2,482,900 sh (+35.93%)
First Eagle Investment 11,615,595 sh (+10.13%)
Manning & Napier Advisors, Inc 1,917,550 sh (+1.38%)
Steven Cohen 50,000 sh (unchged)
Stanley Druckenmiller Sold Out
Joel Greenblatt Sold Out
Jana Partners Sold Out
Louis Moore Bacon Sold Out
John Buckingham 24,287 sh (-3.34%)
Pioneer Investments 3,861,192 sh (-3.97%)
NWQ Managers 968,972 sh (-7.91%)
Steven Cohen 1,279,000 sh (-45.06%)
Paul Tudor Jones 19,968 sh (-49.90%)
Caxton Associates 100,000 sh (-50.00%)
George Soros 360,434 sh (-94.94%)
» More
Q2 2016

SYF Guru Trades in Q2 2016

Louis Moore Bacon 250,783 sh (New)
Joel Greenblatt 8,604 sh (New)
Jana Partners 4,391,714 sh (New)
Paul Tudor Jones 287,300 sh (+1338.80%)
Steven Cohen 2,893,855 sh (+126.26%)
First Eagle Investment 16,251,075 sh (+39.91%)
David Tepper 6,068,117 sh (+20.87%)
David Dreman 28,313 sh (+5.26%)
Leon Cooperman 2,189,467 sh (+2.47%)
John Buckingham 24,598 sh (+1.28%)
Jim Simons Sold Out
Caxton Associates Sold Out
George Soros Sold Out
Pioneer Investments 3,597,529 sh (-6.83%)
Manning & Napier Advisors, Inc 1,743,492 sh (-9.08%)
NWQ Managers 858,183 sh (-11.43%)
» More
Q3 2016

SYF Guru Trades in Q3 2016

Seth Klarman 17,565,000 sh (New)
Jim Simons 1,972,700 sh (New)
Signature Select Canadian Fund 637,887 sh (+208.40%)
NWQ Managers 2,101,291 sh (+144.85%)
Pioneer Investments 4,410,938 sh (+22.61%)
Joel Greenblatt 10,227 sh (+18.86%)
First Eagle Investment 16,481,807 sh (+1.42%)
David Dreman 28,313 sh (unchged)
Jana Partners Sold Out
Louis Moore Bacon Sold Out
John Buckingham 24,466 sh (-0.54%)
Manning & Napier Advisors, Inc 1,603,260 sh (-8.04%)
Leon Cooperman 1,706,167 sh (-22.07%)
Steven Cohen 1,986,400 sh (-31.36%)
David Tepper 4,164,671 sh (-31.37%)
Paul Tudor Jones 157,200 sh (-45.28%)
» More
Q4 2016

SYF Guru Trades in Q4 2016

Ron Baron 56,348 sh (New)
George Soros 97,000 sh (New)
Caxton Associates 125,000 sh (New)
Jeremy Grantham 6,900 sh (New)
Paul Tudor Jones 324,049 sh (+106.14%)
John Buckingham 43,892 sh (+79.40%)
NWQ Managers 2,756,424 sh (+31.18%)
Pioneer Investments 5,214,359 sh (+18.21%)
Seth Klarman 20,665,000 sh (+17.65%)
Steven Cohen 2,314,300 sh (+16.51%)
First Eagle Investment 16,617,322 sh (+0.82%)
Jim Simons Sold Out
David Tepper Sold Out
Joel Greenblatt 10,142 sh (-0.83%)
Manning & Napier Advisors, Inc 1,437,820 sh (-10.32%)
David Dreman 20,562 sh (-27.38%)
Leon Cooperman 937,967 sh (-45.02%)
» More
» Details

Insider Trades

Latest Guru Trades with SYF

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522190    SIC: 6159
Compare:NYSE:DFS, NYSE:IX, NYSE:COF, NYSE:ADS, NYSE:TSS, NYSE:WU, NAS:PYPL, NAS:SLM, OTCPK:FPLPY, OTCPK:EDNMY, NAS:NAVI, OTCPK:ELEEF, NAS:CACC, NYSE:OMF, NYSE:LC, NYSE:NNI, NYSE:FCFS, NAS:HAWK, NYSE:YRD, NYSE:GDOT » details
Traded in other countries:SFE.Germany, SYF.Mexico,
Synchrony Financial provides credit products through programs established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers.

Synchrony Financial was incorporated in Delaware on September 12, 2003. The Company provides credit products through programs established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers (Partners). Through its partners' locations across the United States and Canada, and their websites and mobile applications, it offers their customers credit products to finance the purchase of goods and services. It offers credit products through its wholly-owned subsidiary, GE Capital Retail Bank, which is to be renamed Synchrony Bank in connection with this offering (the "Bank"). Through the Bank, it offers a range of deposit products insured by the Federal Deposit Insurance Corporation ("FDIC"), including certificates of deposit, individual retirement accounts ("IRAs"), money market accounts and savings accounts, under its Optimizer+Plus brand, directly to retail and commercial customers. It also takes deposits at the Bank through third-party securities brokerage firms that offer its FDIC-insured deposit products to their customers. It offerscredit products through three sales platforms: Retail Card, Payment Solutions and CareCredit. Retail Card is a provider of private label credit cards, and also provides Dual Cards and small and medium-sized business credit products. It offers these products through programs with 24 national and regional retailers that collectively have 34,000 retail locations. Payment Solutions is a provider of promotional financing for consumer purchases, offering private label credit cards and installment loans. It offers these products through 252 programs with national and regional retailers, manufacturers, buying groups and industry associations, and a total of 61,000 participating partners that collectively have 118,000 retail locations. CareCredit is a provider of promotional financing to consumers for elective healthcare procedures or services, such as dental, veterinary, cosmetic, vision and audiology. It offers products through a network developed of 149,000 healthcare partners that collectively have 177,000 locations. Its primary competitors for partners include financial institutions such as Alliance Data, American Express, Capital One, Chase, Citibank, TD Bank and Wells Fargo, and to a lesser extent, potential partners' own in-house financing capabilities. The Company is subject to extensive regulation, supervision and examination under U.S. federal, state and foreign laws and regulations.

Guru Investment Theses on Synchrony Financial

Baron Funds' Fifth Avenue Growth Fund Comments on Synchrony Financial - Feb 13, 2017

We initiated a position in Synchrony Financial (NYSE:SYF), the largest provider of private label credit cards in the U.S. Synchrony partners with leading retailers such as Lowe’s, Walmart, and Amazon to offer their customers credit products to finance the purchase of goods and services. These partnerships are win-win since merchants benefit from increased sales and stronger customer loyalty, customers enjoy access to credit and promotional offers, and Synchrony earns high margins and returns on capital. We believe that Synchrony will be a prime beneficiary of the secular growth of private label credit cards. Private label card spending is growing two to three times faster than overall retail sales and has a long runway for growth given that private label represents only 3% of total card spending in the U.S. Synchrony is the largest player in a consolidated industry with meaningful barriers to entry including economies of scale, the importance of marketing expertise, close integration with merchants, and long-term contracts. Synchrony has a long track record of success under GE’s prior ownership that we believe will continue for many more years.



From Baron Funds' Fifth Avenue Growth Fund fourth quarter 2016 commentary.



Check out Ron Baron latest stock trades

Baron Funds' Baron Fifth Avenue Growth Fund Comments on Synchrony Financial - Feb 13, 2017

Shares of our most recent investment, Synchrony Financial (NYSE:SYF), the largest U.S. issuer of private label credit cards, were up 16%. Synchrony benefited from the post-election rally for financial stocks and on hopes for faster economic growth and higher inflation. In addition, Synchrony reported financial results that beat Street estimates, with 12% growth in net interest income, significant margin expansion, and the initiation of a capital return program. We believe Synchrony operates in a highly profitable market niche and has a long runway for growth.



From Baron Funds' Fifth Avenue Growth Fund fourth quarter 2016 commentary.



Check out Ron Baron latest stock trades

Top Ranked Articles about Synchrony Financial

Baron Funds' Baron Fifth Avenue Growth Fund Comments on Synchrony Financial Guru stock highlight
Shares of our most recent investment, Synchrony Financial (NYSE:SYF), the largest U.S. issuer of private label credit cards, were up 16%. Synchrony benefited from the post-election rally for financial stocks and on hopes for faster economic growth and higher inflation. In addition, Synchrony reported financial results that beat Street estimates, with 12% growth in net interest income, significant margin expansion, and the initiation of a capital return program. We believe Synchrony operates in a highly profitable market niche and has a long runway for growth. Read more...
Baron Funds' Fifth Avenue Growth Fund Comments on Synchrony Financial Guru stock highlight
We initiated a position in Synchrony Financial (NYSE:SYF), the largest provider of private label credit cards in the U.S. Synchrony partners with leading retailers such as Lowe’s, Walmart, and Amazon to offer their customers credit products to finance the purchase of goods and services. These partnerships are win-win since merchants benefit from increased sales and stronger customer loyalty, customers enjoy access to credit and promotional offers, and Synchrony earns high margins and returns on capital. We believe that Synchrony will be a prime beneficiary of the secular growth of private label credit cards. Private label card spending is growing two to three times faster than overall retail sales and has a long runway for growth given that private label represents only 3% of total card spending in the U.S. Synchrony is the largest player in a consolidated industry with meaningful barriers to entry including economies of scale, the importance of marketing expertise, close integration with merchants, and long-term contracts. Synchrony has a long track record of success under GE’s prior ownership that we believe Read more...
First Eagle Investment Raises Stake in Synchrony Financial Guru trims stakes in pharmaceuticals and technology companies
First Eagle Investment (Trades, Portfolio) reduced its stakes in well-known pharmaceutical and technology companies in the fourth quarter, but its biggest transaction was the addition of 10,445,237 shares to its existing stake in Synchrony Financial (NYSE:SYF), a Stamford, Connecticut-based financial services company. Read more...

Ratios

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Dividend & Buy Back

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Dividend Yield 1.05
SYF's Dividend Yield is ranked lower than
78% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. SYF: 1.05 )
Ranked among companies with meaningful Dividend Yield only.
SYF' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.06
Current: 1.05
0
1.06
Dividend Payout 0.05
SYF's Dividend Payout is ranked higher than
97% of the 150 Companies
in the Global Credit Services industry.

( Industry Median: 0.30 vs. SYF: 0.05 )
Ranked among companies with meaningful Dividend Payout only.
SYF' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.05
Current: 0.05
0
0.05
Forward Dividend Yield 1.42
SYF's Forward Dividend Yield is ranked lower than
77% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 3.04 vs. SYF: 1.42 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.05
SYF's Yield on cost (5-Year) is ranked lower than
80% of the 322 Companies
in the Global Credit Services industry.

( Industry Median: 3.24 vs. SYF: 1.05 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SYF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.06
Current: 1.05
0
1.06

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $10,972
EPS (TTM) $ 2.71
Short Percentage of Float1.03%
52-Week Range $23.25 - 38.06
Shares Outstanding (Mil)817.37

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 13,683 12,768
EPS ($) 3.00 3.26
EPS w/o NRI ($) 3.00 3.26
EPS Growth Rate
(3Y to 5Y Estimate)
6.35%
Dividends Per Share ($) 0.57 0.72
» More Articles for SYF

Headlines

Articles On GuruFocus.com
Where Seth Klarman Sees Value in Today’s Market Feb 15 2017 
Seth Klarman's Favorite Stock Feb 13 2017 
Baron Funds' Fifth Avenue Growth Fund Comments on Synchrony Financial Feb 13 2017 
Baron Funds' Baron Fifth Avenue Growth Fund Comments on Synchrony Financial Feb 13 2017 
Baron Funds' Baron Fifth Avenue Growth Fund 4th Quarter Commentary Feb 13 2017 
General Electric to Float Czech Banking Through an IPO Apr 13 2016 
First Eagle Investment Raises Stake in Synchrony Financial Mar 23 2016 
Many of George Soros' Largest 4th-Quarter Transactions Involve Energy Stocks Feb 21 2016 
General Electric Disposes $16 Billion in Deposits to Goldman Sachs Aug 17 2015 
GE’s First-Quarter Earnings Reflect The Strategic Shift To The Industrial Segment Apr 20 2015 

More From Other Websites
CareCredit to Acquire Citi Health Card Portfolio Feb 21 2017
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Synchrony Financial breached its 50 day moving average in a Bullish Manner : SYF-US : February 14,... Feb 14 2017
Cathay Pacific And Synchrony Financial Launch Co-Branded Visa Credit Card With Exclusive Rewards For... Feb 14 2017
Seth Klarman's Favorite Stock Feb 13 2017
Baron Funds' Baron Fifth Avenue Growth Fund Comments on Synchrony Financial Feb 13 2017
Baron Funds' Fifth Avenue Growth Fund Comments on Synchrony Financial Feb 13 2017
Baron Funds' Baron Fifth Avenue Growth Fund 4th Quarter Commentary Feb 13 2017
Does Synchrony Financial Make for a Suitable Value Pick? Feb 09 2017
Synchrony Financial breached its 50 day moving average in a Bearish Manner : SYF-US : February 1,... Feb 01 2017
SYNCHRONY FINANCIAL Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jan 30 2017
Synchrony Financial Announces Quarterly Common Stock Dividend of $0.13 Per Share Jan 25 2017
Q4 Earnings Miss Weighs On Capital One Jan 25 2017
Synchrony Financial and Belk Extend Consumer Financing Program Agreement Jan 25 2017
ETFs with exposure to Synchrony Financial : January 24, 2017 Jan 24 2017
Synchrony Financial :SYF-US: Earnings Analysis: Q4, 2016 By the Numbers : January 23, 2017 Jan 23 2017
Edited Transcript of SYF earnings conference call or presentation 20-Jan-17 1:30pm GMT Jan 20 2017

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