Business Description
Synchrony Financial
NAICS : 522180
SIC : 6159
ISIN : US87165B1035
Total Employee Number:
20,000Compare
Compare
Traded in other countries / regions
SYF.USA0LC3.UKSFE.GermanySYF.MexicoS1YF34.Brazil1SYF.Italy IPO Date
2017-01-18Description
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 1.25 | |||||
Equity-to-Asset | 0.14 | |||||
Debt-to-Equity | 1 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 8/9 | |||||
Beneish M-Score | -2.65 | |||||
WACC vs ROIC | ||||||
Growth Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 18.4 | |||||
3-Year EPS without NRI Growth Rate | 14.7 | |||||
3-Year FCF Growth Rate | 23.9 | |||||
3-Year Book Growth Rate | 17.3 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 8.65 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 1.77 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 35.38 | |||||
9-Day RSI | 41.02 | |||||
14-Day RSI | 39.42 | |||||
3-1 Month Momentum % | -14.94 | |||||
6-1 Month Momentum % | -8.35 | |||||
12-1 Month Momentum % | 5.6 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 1.75 | |||||
Dividend Payout Ratio | 0.12 | |||||
3-Year Dividend Growth Rate | 8.5 | |||||
Forward Dividend Yield % | 1.69 | |||||
5-Year Yield-on-Cost % | 2.25 | |||||
3-Year Average Share Buyback Ratio | 7.4 | |||||
Shareholder Yield % | 15.36 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 24.06 | |||||
FCF Margin % | 65.83 | |||||
OCF Margin % | 65.83 | |||||
ROE % | 21.47 | |||||
ROA % | 3 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 6 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 8.13 | |||||
Forward PE Ratio | 7.57 | |||||
PE Ratio without NRI | 8.13 | |||||
Shiller PE Ratio | 12.47 | |||||
PEG Ratio | 0.48 | |||||
PS Ratio | 1.91 | |||||
PB Ratio | 1.74 | |||||
Price-to-Tangible-Book | 2.09 | |||||
Price-to-Free-Cash-Flow | 2.91 | |||||
Price-to-Operating-Cash-Flow | 2.91 | |||||
EV-to-Revenue | 1.57 | |||||
EV-to-Forward-Revenue | 2.87 | |||||
EV-to-FCF | 2.39 | |||||
Price-to-GF-Value | 1.2 | |||||
Price-to-Projected-FCF | 0.2 | |||||
Price-to-DCF (Earnings Based) | 0.36 | |||||
Price-to-DCF (FCF Based) | 0.13 | |||||
Price-to-Median-PS-Value | 1.03 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.49 | |||||
Price-to-Graham-Number | 0.87 | |||||
FCF Yield % | 37.17 | |||||
Forward Rate of Return (Yacktman) % | 41.66 |
Synchrony Financial Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Synchrony Financial Stock Events
| Event | Date | Price (MXN) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-10-15 08:00 | In 109 days | ||
| Third quarter earnings results for 2026 | 2026-10-15 06:00 | In 109 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-21 08:00 | In 23 days | ||
| Second quarter earnings results for 2026 | 2026-07-21 06:00 | In 23 days | ||
| General meeting for 2026 | 2026-06-24 09:00 | 1,225.70 (+0.00%) | ||
| Morgan Stanley US Financials Conference | 2026-06-09 07:30 | 1,225.70 (+0.00%) | ||
| USD 0.300000 Cash Dividend | 2026-05-05 | 1,224.44 (+0.00%) | ||
| First quarter earnings conference call for 2026 | 2026-04-21 08:00 | 1,224.44 (+0.00%) | ||
| First quarter earnings results for 2026 | 2026-04-21 06:00 | 1,224.44 (+0.00%) | ||
| Guidance call for 2026 | 2026-03-10 10:00 | 1,452.43 (+0.00%) |
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