Switch to:
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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.58
SYF's Cash-to-Debt is ranked lower than
58% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 2.52 vs. SYF: 0.58 )
Ranked among companies with meaningful Cash-to-Debt only.
SYF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.49 Max: 0.67
Current: 0.58
0.08
0.67
Equity-to-Asset 0.16
SYF's Equity-to-Asset is ranked lower than
84% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. SYF: 0.16 )
Ranked among companies with meaningful Equity-to-Asset only.
SYF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.15 Max: 0.17
Current: 0.16
0.1
0.17
Debt-to-Equity 1.45
SYF's Debt-to-Equity is ranked lower than
53% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. SYF: 1.45 )
Ranked among companies with meaningful Debt-to-Equity only.
SYF' s Debt-to-Equity Range Over the Past 10 Years
Min: 1.41  Med: 2.01 Max: 3.76
Current: 1.45
1.41
3.76
Debt-to-EBITDA 5.64
SYF's Debt-to-EBITDA is ranked higher than
55% of the 276 Companies
in the Global Credit Services industry.

( Industry Median: 6.81 vs. SYF: 5.64 )
Ranked among companies with meaningful Debt-to-EBITDA only.
SYF' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 4.73  Med: 5.32 Max: 7.81
Current: 5.64
4.73
7.81
Interest Coverage 2.66
SYF's Interest Coverage is ranked lower than
65% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 9.45 vs. SYF: 2.66 )
Ranked among companies with meaningful Interest Coverage only.
SYF' s Interest Coverage Range Over the Past 10 Years
Min: 2.66  Med: 3.45 Max: 4.53
Current: 2.66
2.66
4.53
Beneish M-Score: -2.60
WACC vs ROIC
5.77%
9.62%
WACC
ROIC
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 : 4/10

vs
industry
vs
history
Operating Margin % 29.33
SYF's Operating Margin % is ranked higher than
63% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 18.01 vs. SYF: 29.33 )
Ranked among companies with meaningful Operating Margin % only.
SYF' s Operating Margin % Range Over the Past 10 Years
Min: 29.33  Med: 35.35 Max: 36.68
Current: 29.33
29.33
36.68
Net Margin % 18.54
SYF's Net Margin % is ranked higher than
61% of the 415 Companies
in the Global Credit Services industry.

( Industry Median: 12.72 vs. SYF: 18.54 )
Ranked among companies with meaningful Net Margin % only.
SYF' s Net Margin % Range Over the Past 10 Years
Min: 18.54  Med: 22.21 Max: 22.85
Current: 18.54
18.54
22.85
ROE % 15.41
SYF's ROE % is ranked higher than
75% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 7.38 vs. SYF: 15.41 )
Ranked among companies with meaningful ROE % only.
SYF' s ROE % Range Over the Past 10 Years
Min: 15.41  Med: 25.66 Max: 92.49
Current: 15.41
15.41
92.49
ROA % 2.47
SYF's ROA % is ranked higher than
52% of the 427 Companies
in the Global Credit Services industry.

( Industry Median: 2.26 vs. SYF: 2.47 )
Ranked among companies with meaningful ROA % only.
SYF' s ROA % Range Over the Past 10 Years
Min: 2.47  Med: 3.13 Max: 7.93
Current: 2.47
2.47
7.93
3-Year Revenue Growth Rate 2.30
SYF's 3-Year Revenue Growth Rate is ranked lower than
61% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 7.00 vs. SYF: 2.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SYF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -6.4 Max: 2.3
Current: 2.3
0
2.3
3-Year EBITDA Growth Rate -0.30
SYF's 3-Year EBITDA Growth Rate is ranked lower than
63% of the 306 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 vs. SYF: -0.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SYF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -3.3 Max: -0.3
Current: -0.3
3-Year EPS without NRI Growth Rate -1.20
SYF's 3-Year EPS without NRI Growth Rate is ranked lower than
62% of the 297 Companies
in the Global Credit Services industry.

( Industry Median: 7.40 vs. SYF: -1.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SYF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -4.1 Max: -1.2
Current: -1.2
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SYF's 30-Y Financials

Financials (Next Earnings Date: 2018-01-19)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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)
Louis Moore Bacon Sold Out
Jana Partners 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

George Soros 97,000 sh (New)
Ron Baron 56,348 sh (New)
Jeremy Grantham 6,900 sh (New)
Caxton Associates 125,000 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%)
David Tepper Sold Out
Jim Simons 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
Q1 2017

SYF Guru Trades in Q1 2017

Barrow, Hanley, Mewhinney & Strauss 1,475 sh (New)
Jim Simons 3,099,700 sh (New)
Louis Moore Bacon 478,160 sh (New)
Joel Greenblatt 31,339 sh (+209.00%)
Ron Baron 151,594 sh (+169.03%)
Steven Cohen 3,667,370 sh (+58.47%)
First Eagle Investment 17,106,131 sh (+2.94%)
John Buckingham 44,935 sh (+2.38%)
David Dreman 20,562 sh (unchged)
Leon Cooperman 937,967 sh (unchged)
George Soros Sold Out
Jeremy Grantham Sold Out
Caxton Associates Sold Out
NWQ Managers 2,656,858 sh (-3.61%)
Pioneer Investments 4,662,732 sh (-10.58%)
Seth Klarman 17,665,000 sh (-14.52%)
Signature Select Canadian Fund 528,087 sh (-17.21%)
Manning & Napier Advisors, Inc 1,073,559 sh (-25.33%)
Paul Tudor Jones 216,960 sh (-33.05%)
» More
Q2 2017

SYF Guru Trades in Q2 2017

Mario Gabelli 10,768 sh (New)
HOTCHKIS & WILEY 1,146,600 sh (New)
Warren Buffett 17,463,000 sh (New)
Seth Klarman 29,295,030 sh (+65.84%)
David Dreman 30,172 sh (+46.74%)
Leon Cooperman 1,311,867 sh (+39.86%)
NWQ Managers 3,166,869 sh (+19.20%)
John Buckingham 49,313 sh (+9.74%)
First Eagle Investment 17,303,205 sh (+1.15%)
Barrow, Hanley, Mewhinney & Strauss 1,475 sh (unchged)
NWQ Managers 138,100 sh (unchged)
Manning & Napier Advisors, Inc Sold Out
Jim Simons 2,904,800 sh (-6.29%)
Louis Moore Bacon 425,000 sh (-11.12%)
Joel Greenblatt 16,210 sh (-48.28%)
Ron Baron 76,905 sh (-49.27%)
Pioneer Investments 1,973,795 sh (-57.67%)
Steven Cohen 1,442,628 sh (-60.66%)
Paul Tudor Jones 7,973 sh (-96.33%)
» More
» Details

Insider Trades

Latest Guru Trades with SYF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Seth Klarman 2017-06-30 Add 65.84%3.99%$26.5 - $34.3 $ 32.7610%29,295,030
Warren Buffett 2017-06-30 New Buy0.32%$26.5 - $34.3 $ 32.7610%17,463,000
First Eagle Investment 2017-06-30 Add 1.15%0.01%$26.5 - $34.3 $ 32.7610%17,303,205
NWQ Managers 2017-06-30 Add 19.20%0.21%$26.5 - $34.3 $ 32.7610%3,166,869
Leon Cooperman 2017-06-30 Add 39.86%0.46%$26.5 - $34.3 $ 32.7610%1,311,867
HOTCHKIS & WILEY 2017-06-30 New Buy0.14%$26.5 - $34.3 $ 32.7610%1,146,600
Ron Baron 2017-06-30 Reduce -49.27%0.01%$26.5 - $34.3 $ 32.7610%76,905
David Dreman 2017-06-30 Add 46.74%0.16%$26.5 - $34.3 $ 32.7610%30,172
Joel Greenblatt 2017-06-30 Reduce -48.28%$26.5 - $34.3 $ 32.7610%16,210
Mario Gabelli 2017-06-30 New Buy$26.5 - $34.3 $ 32.7610%10,768
Seth Klarman 2017-03-31 Reduce -14.52%1.43%$32.74 - $37.93 $ 32.76-9%17,665,000
First Eagle Investment 2017-03-31 Add 2.94%0.04%$32.74 - $37.93 $ 32.76-9%17,106,131
NWQ Managers 2017-03-31 Reduce -3.61%0.05%$32.74 - $37.93 $ 32.76-9%2,656,858
Ron Baron 2017-03-31 Add 169.03%0.02%$32.74 - $37.93 $ 32.76-9%151,594
Joel Greenblatt 2017-03-31 Add 209.00%0.01%$32.74 - $37.93 $ 32.76-9%31,339
Barrow, Hanley, Mewhinney & Strauss 2017-03-31 New Buy$32.74 - $37.93 $ 32.76-9%1,475
George Soros 2017-03-31 Sold Out 0.12%$32.74 - $37.93 $ 32.76-9%0
Seth Klarman 2016-12-31 Add 17.65%1.48%$26.37 - $37.26 $ 32.763%20,665,000
First Eagle Investment 2016-12-31 Add 0.82%0.01%$26.37 - $37.26 $ 32.763%16,617,322
NWQ Managers 2016-12-31 Add 31.18%0.32%$26.37 - $37.26 $ 32.763%2,756,424
Leon Cooperman 2016-12-31 Reduce -45.02%0.66%$26.37 - $37.26 $ 32.763%937,967
George Soros 2016-12-31 New Buy0.12%$26.37 - $37.26 $ 32.763%97,000
Ron Baron 2016-12-31 New Buy0.01%$26.37 - $37.26 $ 32.763%56,348
David Dreman 2016-12-31 Reduce -27.38%0.13%$26.37 - $37.26 $ 32.763%20,562
Joel Greenblatt 2016-12-31 Reduce -0.83%$26.37 - $37.26 $ 32.763%10,142
David Tepper 2016-12-31 Sold Out 2.65%$26.37 - $37.26 $ 32.763%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Credit Services » Credit Services    NAICS: 522190    SIC: 6159
Compare:NYSE:DFS, TSE:8591, BOM:500034, NYSE:ADS, NYSE:TSS, NYSE:COF, NYSE:WU, COL:CSF.N0000, XPAR:EDEN, TSE:8572, BOM:533519, NAS:CACC, BOM:532810, NAS:SLM, BOM:532955, TSE:8593, TSE:8570, NAS:NAVI, NYSE:OMF, NSE:M&MFIN » details
Traded in other countries:SFE.Germany, SYF.Mexico,
Headquarter Location:USA
Synchrony Financial provides consumer financial products services to the diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers.

Synchrony Financial, formerly GE Capital's retail finance business, 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).

Guru Investment Theses on Synchrony Financial

Baron Opportunity Fund Comments on Synchrony Financial - Apr 20, 2017

Synchrony Financial (NYSE:SYF), the largest issuer of private label credit cards in the U.S., reported better-than-expected financial results with 12% growth in receivables, 13% growth in net interest income and significant margin expansion. However, the stock underperformed due to increasing concerns over consumer credit and broader underperformance of bank stocks, reversing their significant outperformance in the aftermath of the election. We continue to own the stock because we believe credit losses will be manageable and that the company has a long runway for profitable growth. (Josh Saltman)



From the Baron Opportunity Fund first quarter 2017 shareholder letter.



Check out Ron Baron latest stock trades

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

Warren Buffett’s Synchrony Financial Rises on Earnings Beat Company reports strong organic growth across sales platform
Synchrony Financial (NYSE:SYF), one of Warren Buffett (Trades, Portfolio)’s newest holdings, reported third-quarter net interest incomes increased 11% from the prior-year quarter. Read more...
You Won't Guess Seth Klarman's Biggest Position With the CAPE ratio at its 2nd-highest level ever, what is the bearish Klarman doing?
Baupost Group's largest U.S. equity positions are Cheniere Energy (LNG), Synchrony Financial (NYSE:SYF) and Viasat (NASDAQ:VSAT). Seth Klarman (Trades, Portfolio) allocated 11.6%, 10.04% and 10.02% of his portfolio to just these three names. Cheniere is a liquefied natural gas exporter whose revenue is based on 20-year-long contracts with big oil companies. Synchrony Financial is a credit card processing company. Viasat is a sattelite company with subscribers like the government, the military and airlines. You could say these appear to be fairly defensive positions with locked-in revenue streams. His largest position, however, cash, makes up 42% of the entire portfolio. If we ignore for a moment Baupost may have global positions and private real estate investments, more than 70% of the portfolio is invested extremely defensively. I have identified three reasons why. Read more...
Buffett’s Synchrony Leads Gains in Financials as Fed Grows Hawkish Buffett's latest pick jumps as Fed signals an interest rate increase
Warren Buffett (Trades, Portfolio)’s latest pick Synchrony Financial (NYSE:SYF) beat its peers with a 3.3% jump as financials stocks led Wall Street gains Wednesday on Federal Reserve Chair Janet Yellen’s indications in a speech yesterday that the Fed may raise internet rates at its December meeting. Read more...
Christmas Comes Early To zulily Customers With Launch Of First-Ever Private Label Credit Card Program
MARVEL STUDIOS' THOR: RAGNAROK SUPERPOWER OF STEM CHALLENGE
Could Buffett and Klarman Be Wrong on Synchrony? Will higher charge-offs cost Buffett and Klarman?
Last month, Warren Buffett (Trades, Portfolio)’s Berkshire Hathaway (NYSE:BRK.A)(NYSE:BRK.B) reported a small (small by Berkshire standards) $512 million holding in credit company Synchrony Financial (NYSE:SYF) following highly acclaimed value investor Seth Klarman (Trades, Portfolio) into the stock. Read more...
At Home Launches Credit Cards And Insider Perks
What Do Buffett and Klarman See in Synchrony? The financial services company has attracted attention despite its rocky year
I recently wrote about Seth Klarman (Trades, Portfolio)’s interest in Synchrony Financial (NYSE:SYF), the financial services company that has seen its share price suffer this year thanks to higher reported loan impairments. Read more...
Berkshire Hathaway Buys Bank of New York Mellon, Synchrony Financial, STORE Capital Corp, Sells IBM, Wells Fargo Second quarter portfolio update of Warren Buffett
Berkshire Hathaway Buys Bank of New York Mellon, Synchrony Financial, STORE Capital Corp, Sells IBM, Wells Fargo Read more...
Wall Street Down Despite Easing North Korea Tensions Extreme Networks, GoPro and Advance Auto Parts have big movements
U.S. stock market indexes opened mixed on Tuesday, but turned red over the course of the morning. Read more...

Ratios

vs
industry
vs
history
PE Ratio 12.36
SYF's PE Ratio is ranked higher than
65% of the 331 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. SYF: 12.36 )
Ranked among companies with meaningful PE Ratio only.
SYF' s PE Ratio Range Over the Past 10 Years
Min: 9.4  Med: 12.02 Max: 24.85
Current: 12.36
9.4
24.85
Forward PE Ratio 10.46
SYF's Forward PE Ratio is ranked higher than
70% of the 50 Companies
in the Global Credit Services industry.

( Industry Median: 12.03 vs. SYF: 10.46 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 12.36
SYF's PE Ratio without NRI is ranked higher than
66% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. SYF: 12.36 )
Ranked among companies with meaningful PE Ratio without NRI only.
SYF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.4  Med: 12.02 Max: 24.85
Current: 12.36
9.4
24.85
PB Ratio 1.82
SYF's PB Ratio is ranked lower than
64% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. SYF: 1.82 )
Ranked among companies with meaningful PB Ratio only.
SYF' s PB Ratio Range Over the Past 10 Years
Min: 1.5  Med: 2.02 Max: 2.61
Current: 1.82
1.5
2.61
PS Ratio 2.28
SYF's PS Ratio is ranked higher than
67% of the 401 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. SYF: 2.28 )
Ranked among companies with meaningful PS Ratio only.
SYF' s PS Ratio Range Over the Past 10 Years
Min: 1.91  Med: 2.48 Max: 3.06
Current: 2.28
1.91
3.06
Price-to-Free-Cash-Flow 3.65
SYF's Price-to-Free-Cash-Flow is ranked higher than
76% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 9.76 vs. SYF: 3.65 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SYF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.05  Med: 4.06 Max: 5.43
Current: 3.65
3.05
5.43
Price-to-Operating-Cash-Flow 3.65
SYF's Price-to-Operating-Cash-Flow is ranked higher than
75% of the 117 Companies
in the Global Credit Services industry.

( Industry Median: 8.50 vs. SYF: 3.65 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SYF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.05  Med: 4.06 Max: 5.43
Current: 3.65
3.05
5.43
EV-to-EBIT 10.09
SYF's EV-to-EBIT is ranked higher than
70% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 17.60 vs. SYF: 10.09 )
Ranked among companies with meaningful EV-to-EBIT only.
SYF' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.1  Med: 10.35 Max: 12.7
Current: 10.09
8.1
12.7
EV-to-EBITDA 9.46
SYF's EV-to-EBITDA is ranked higher than
69% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 15.57 vs. SYF: 9.46 )
Ranked among companies with meaningful EV-to-EBITDA only.
SYF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.6  Med: 9.85 Max: 12.3
Current: 9.46
7.6
12.3
EV-to-Revenue 2.95
SYF's EV-to-Revenue is ranked higher than
73% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 5.42 vs. SYF: 2.95 )
Ranked among companies with meaningful EV-to-Revenue only.
SYF' s EV-to-Revenue Range Over the Past 10 Years
Min: 2.6  Med: 3.7 Max: 4.5
Current: 2.95
2.6
4.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.64
SYF's Dividend Yield % is ranked lower than
64% of the 306 Companies
in the Global Credit Services industry.

( Industry Median: 2.93 vs. SYF: 1.64 )
Ranked among companies with meaningful Dividend Yield % only.
SYF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.37  Med: 1.16 Max: 1.9
Current: 1.64
0.37
1.9
Dividend Payout Ratio 0.20
SYF's Dividend Payout Ratio is ranked higher than
75% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 0.31 vs. SYF: 0.20 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SYF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.1 Max: 0.2
Current: 0.2
0.1
0.2
Forward Dividend Yield % 1.82
SYF's Forward Dividend Yield % is ranked lower than
66% of the 290 Companies
in the Global Credit Services industry.

( Industry Median: 2.88 vs. SYF: 1.82 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.63
SYF's 5-Year Yield-on-Cost % is ranked lower than
67% of the 389 Companies
in the Global Credit Services industry.

( Industry Median: 3.39 vs. SYF: 1.63 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SYF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.37  Med: 1.16 Max: 1.9
Current: 1.63
0.37
1.9
3-Year Average Share Buyback Ratio -5.00
SYF's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: -2.50 vs. SYF: -5.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SYF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -5.7  Med: -5 Max: 0
Current: -5
-5.7
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.07
SYF's Price-to-Tangible-Book is ranked lower than
65% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. SYF: 2.07 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SYF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.75  Med: 2.34 Max: 2.75
Current: 2.07
1.75
2.75
Price-to-Median-PS-Value 0.92
SYF's Price-to-Median-PS-Value is ranked higher than
63% of the 376 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. SYF: 0.92 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SYF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.83  Med: 0.99 Max: 1.16
Current: 0.92
0.83
1.16
Price-to-Graham-Number 1.07
SYF's Price-to-Graham-Number is ranked lower than
53% of the 202 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. SYF: 1.07 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SYF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.87  Med: 1.15 Max: 1.66
Current: 1.07
0.87
1.66
Earnings Yield (Greenblatt) % 9.91
SYF's Earnings Yield (Greenblatt) % is ranked higher than
76% of the 430 Companies
in the Global Credit Services industry.

( Industry Median: 4.19 vs. SYF: 9.91 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SYF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 7.9  Med: 9.65 Max: 12.4
Current: 9.91
7.9
12.4

More Statistics

Revenue (TTM) (Mil) $11,731.00
EPS (TTM) $ 2.65
Beta0.89
Short Percentage of Float1.37%
52-Week Range $26.01 - 38.06
Shares Outstanding (Mil)795.34

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 13,232 14,252
EPS ($) 2.55 3.11 3.70
EPS without NRI ($) 2.55 3.11 3.70
EPS Growth Rate
(Future 3Y To 5Y Estimate)
5.00%
Dividends per Share ($) 0.56 0.62 0.72

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

GF Chat

{{numOfNotice}}