NYSE:SYF (USA) Also trade in: Germany Mexico UK

Synchrony Financial

$ 34.81 0.06 (0.17%)
Volume: 3,108,206 Avg Vol (1m): 5,357,195
Market Cap $: 24.00 Bil Enterprise Value $: 32.92 Bil
P/E (TTM): 7.80 P/B: 1.67
Earnings Power Value 0
Net Current Asset Value 0
Tangible Book 17.46
Projected FCF 133.78
Median P/S Value 41.83
Graham Number 41.95
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 0.59
Cash-To-Debt ranked lower than
59.24% of 449 companies
in the Credit Services industry.
Industry Max: 10000, Med: 8.43, Min: 0.01
SYF: 0.59
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.05, Med: 0.51, Max: 0.72
Current: 0.59
0.05
0.72
Equity-to-Asset 0.14
Equity-to-Asset ranked lower than
82.81% of 413 companies
in the Credit Services industry.
Industry Max: 1, Med: 0.43, Min: -16.13
SYF: 0.14
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.1, Med: 0.15, Max: 0.17
Current: 0.14
0.1
0.17
Debt-to-Equity 1.49
Debt-to-Equity ranked lower than
51.36% of 220 companies
in the Credit Services industry.
Industry Max: 31.78, Med: 1.4, Min: 0.01
SYF: 1.49
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 1.38, Med: 1.64, Max: 6.07
Current: 1.49
1.38
6.07
Debt-to-EBITDA 1.30
Debt-to-EBITDA ranked higher than
55.48% of 283 companies
in the Credit Services industry.
Industry Max: 489.17, Med: 6.7, Min: 0.03
SYF: 1.3
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 1.3
Current: 1.3
0
1.3
Beneish M-Score -2.68
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 9.25%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 19.41
Net Margin ranked higher than
54.11% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 13.22, Min: -11643.24
SYF: 19.41
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 12.64, Med: 17.8, Max: 21.71
Current: 19.41
12.64
21.71
ROE % 22.56
ROE ranked higher than
71.79% of 436 companies
in the Credit Services industry.
Industry Max: 190103.22, Med: 6.88, Min: -6112.96
SYF: 22.56
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 13.61, Med: 19.3, Max: 92.49
Current: 22.56
13.61
92.49
ROA % 3.18
ROA ranked lower than
52.76% of 453 companies
in the Credit Services industry.
Industry Max: 185.91, Med: 2.32, Min: -914.31
SYF: 3.18
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 2.08, Med: 2.77, Max: 7.93
Current: 3.18
2.08
7.93
3-Year Total Revenue Growth Rate 9.50
3-Year Revenue Growth Rate ranked higher than
53.37% of 356 companies
in the Credit Services industry.
Industry Max: 1159, Med: 6.6, Min: -100
SYF: 13.6
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: 7.1, Med: 7.8, Max: 14.1
Current: 13.6
7.1
14.1
3-Year EPS w/o NRI Growth Rate 12.20
3-Year EPS w/o NRI Growth Rate ranked lower than
66.00% of 300 companies
in the Credit Services industry.
Industry Max: 1125.7, Med: 8, Min: -132.1
SYF: 12.2
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 6.9, Max: 12.2
Current: 12.2
0
12.2

» SYF's 30-Y Financials

Financials (Next Earnings Date: 2019-07-26)

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Business Description

Industry Credit Services » Credit Services    NAICS : 522190    SIC : 6159
Compare BOM:500034 NYSE:DFS TSE:8591 NYSE:TSS XPAR:EDEN NAS:CACC COL:CSF.N0000 NYSE:WU NYSE:ADS TPE:5871 TSE:8572 NYSE:OMF TSE:8593 TSE:8570 NAS:SLM BOM:532810 NYSE:COF NAS:FCFS BOM:532955 BOM:533519
Traded in other countries SFE.Germany 0LC3.UK
Address 777 Long Ridge Road, Stamford, CT, USA, 06902
Synchrony Financial is the largest provider of private-label credit cards in the United States based on purchase volume and receivables. Through its partners' 350,000 locations in the U.S. and Canada along with websites and mobile applications, Synchrony offers a variety of credit products through three sales platforms: retail card (private-label credit cards), payment solutions (consumer financing for major purchases), and CareCredit (financing for elective healthcare procedures).

Ratios

Current vs industry vs history
PE Ratio (TTM) 7.80
PE Ratio ranked higher than
53.35% of 343 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.14, Min: 0.03
SYF: 7.8
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 6, Med: 11.76, Max: 41.67
Current: 7.8
6
41.67
Forward PE Ratio 7.53
Forward P/E ranked higher than
59.37% of 64 companies
in the Credit Services industry.
Industry Max: 56.5, Med: 12.5, Min: 0.06
SYF: 7.53
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 7.80
PE without NRI ranked higher than
53.69% of 339 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.11, Min: 0.03
SYF: 7.8
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 6, Med: 11.76, Max: 41.67
Current: 7.8
6
41.67
PB Ratio 1.67
PB Ratio ranked lower than
68.42% of 418 companies
in the Credit Services industry.
Industry Max: 2284.63, Med: 1.19, Min: 0.04
SYF: 1.67
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 1.1, Med: 1.85, Max: 2.61
Current: 1.67
1.1
2.61
PS Ratio 1.53
PS Ratio ranked higher than
63.53% of 414 companies
in the Credit Services industry.
Industry Max: 1151.59, Med: 3.46, Min: 0.01
SYF: 1.53
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 1.02, Med: 1.82, Max: 2.38
Current: 1.53
1.02
2.38
Price-to-Free-Cash-Flow 2.62
Price-to-Free-Cash-Flow ranked higher than
79.81% of 104 companies
in the Credit Services industry.
Industry Max: 1671.38, Med: 8.52, Min: 0.45
SYF: 2.62
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.79, Med: 3.69, Max: 5.43
Current: 2.62
1.79
5.43
Price-to-Operating-Cash-Flow 2.62
Price-to-Operating-Cash-Flow ranked higher than
77.17% of 127 companies
in the Credit Services industry.
Industry Max: 2660, Med: 7.24, Min: 0.45
SYF: 2.62
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.79, Med: 3.69, Max: 5.43
Current: 2.62
1.79
5.43
EV-to-Revenue 1.98
EV-to-Revenue ranked higher than
70.59% of 425 companies
in the Credit Services industry.
Industry Max: 95879.51, Med: 5.35, Min: 0.03
SYF: 1.98
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 1.8, Med: 2.5, Max: 3.7
Current: 1.98
1.8
3.7

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.42
Trailing Dividend Yield ranked lower than
64.56% of 316 companies
in the Credit Services industry.
Industry Max: 95, Med: 2.56, Min: 0.01
SYF: 2.42
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.37, Med: 1.72, Max: 3.2
Current: 2.42
0.37
3.2
Dividend Payout Ratio 0.17
Dividend Payout Ratio ranked higher than
80.59% of 170 companies
in the Credit Services industry.
Industry Max: 183.33, Med: 0.3, Min: 0.02
SYF: 0.17
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.1, Med: 0.19, Max: 0.23
Current: 0.17
0.1
0.23
Forward Dividend Yield % 2.42
Forward Dividend Yield ranked lower than
70.16% of 305 companies
in the Credit Services industry.
Industry Max: 95, Med: 2.72, Min: 0.01
SYF: 2.42
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 2.42
Yield-on-Cost (5y) ranked lower than
66.67% of 402 companies
in the Credit Services industry.
Industry Max: 142.86, Med: 2.55, Min: 0.01
SYF: 2.42
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.37, Med: 1.72, Max: 3.2
Current: 2.42
0.37
3.2
3-Year Share Buyback Rate 4.80
3-Year Share Buyback Rate ranked higher than
88.14% of 194 companies
in the Credit Services industry.
Industry Max: 26, Med: -3.7, Min: -404.3
SYF: 4.8
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -0.1, Med: 0.6, Max: 4.8
Current: 4.8
-0.1
4.8

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.99
Price-to-Tangible-Book ranked lower than
70.66% of 409 companies
in the Credit Services industry.
Industry Max: 2322.04, Med: 1.26, Min: 0.04
SYF: 1.99
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 1.35, Med: 2.07, Max: 2.75
Current: 1.99
1.35
2.75
Price-to-Projected-FCF 0.26
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
100.00% of 90 companies
in the Credit Services industry.
Industry Max: 23.81, Med: 1.01, Min: 0.05
SYF: 0.26
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.18, Med: 0.28, Max: 0.37
Current: 0.26
0.18
0.37
Price-to-Median-PS-Value 0.83
Price-to-Median-PS-Value ranked higher than
51.09% of 366 companies
in the Credit Services industry.
Industry Max: 31, Med: 1, Min: 0.01
SYF: 0.83
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.59, Med: 0.95, Max: 1.23
Current: 0.83
0.59
1.23
Price-to-Graham-Number 0.83
Price-to-Graham-Number ranked lower than
58.29% of 199 companies
in the Credit Services industry.
Industry Max: 1124.21, Med: 1.07, Min: 0.02
SYF: 0.83
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.61, Med: 1.07, Max: 1.93
Current: 0.83
0.61
1.93

More Statistics

Revenue (TTM) (Mil) $ 16,784
EPS (TTM) $ 4.48
Beta 1.7
Volatility % 40.28
52-Week Range $ 21.78 - 36.25
Shares Outstanding (Mil) 689.32

Analyst Estimate

Piotroski F-Score Details