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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

vs
industry
vs
history
Cash-to-Debt 0.58
SYF's Cash-to-Debt is ranked lower than
55% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 1.44 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: 0.15  Med: 0.55 Max: N/A
Current: 0.58
Equity-to-Asset 0.16
SYF's Equity-to-Asset is ranked lower than
81% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 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
Interest Coverage 2.66
SYF's Interest Coverage is ranked lower than
66% of the 377 Companies
in the Global Credit Services industry.

( Industry Median: 11.69 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
5.98%
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
64% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 17.78 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
60% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 12.96 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
72% of the 404 Companies
in the Global Credit Services industry.

( Industry Median: 8.10 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 lower than
51% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 2.58 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 291 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 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
61% of the 252 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 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
59% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 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
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» SYF's 30-Y Financials

Financials (Next Earnings Date: 2017-10-21 Est.)


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 $ 30.262%29,295,030
Warren Buffett 2017-06-30 New Buy0.32%$26.5 - $34.3 $ 30.262%17,463,000
First Eagle Investment 2017-06-30 Add 1.15%0.01%$26.5 - $34.3 $ 30.262%17,303,205
NWQ Managers 2017-06-30 Add 19.20%0.21%$26.5 - $34.3 $ 30.262%3,166,869
Leon Cooperman 2017-06-30 Add 39.86%0.46%$26.5 - $34.3 $ 30.262%1,311,867
HOTCHKIS & WILEY 2017-06-30 New Buy0.14%$26.5 - $34.3 $ 30.262%1,146,600
Ron Baron 2017-06-30 Reduce -49.27%0.01%$26.5 - $34.3 $ 30.262%76,905
David Dreman 2017-06-30 Add 46.74%0.16%$26.5 - $34.3 $ 30.262%30,172
Joel Greenblatt 2017-06-30 Reduce -48.28%$26.5 - $34.3 $ 30.262%16,210
Mario Gabelli 2017-06-30 New Buy$26.5 - $34.3 $ 30.262%10,768
Seth Klarman 2017-03-31 Reduce -14.52%1.43%$32.74 - $37.93 $ 30.26-16%17,665,000
First Eagle Investment 2017-03-31 Add 2.94%0.04%$32.74 - $37.93 $ 30.26-16%17,106,131
NWQ Managers 2017-03-31 Reduce -3.61%0.05%$32.74 - $37.93 $ 30.26-16%2,656,858
Ron Baron 2017-03-31 Add 169.03%0.02%$32.74 - $37.93 $ 30.26-16%151,594
Joel Greenblatt 2017-03-31 Add 209.00%0.01%$32.74 - $37.93 $ 30.26-16%31,339
Barrow, Hanley, Mewhinney & Strauss 2017-03-31 New Buy$32.74 - $37.93 $ 30.26-16%1,475
George Soros 2017-03-31 Sold Out 0.12%$32.74 - $37.93 $ 30.26-16%0
Seth Klarman 2016-12-31 Add 17.65%1.48%$26.37 - $37.26 $ 30.26-5%20,665,000
First Eagle Investment 2016-12-31 Add 0.82%0.01%$26.37 - $37.26 $ 30.26-5%16,617,322
NWQ Managers 2016-12-31 Add 31.18%0.32%$26.37 - $37.26 $ 30.26-5%2,756,424
Leon Cooperman 2016-12-31 Reduce -45.02%0.66%$26.37 - $37.26 $ 30.26-5%937,967
George Soros 2016-12-31 New Buy0.12%$26.37 - $37.26 $ 30.26-5%97,000
Ron Baron 2016-12-31 New Buy0.01%$26.37 - $37.26 $ 30.26-5%56,348
David Dreman 2016-12-31 Reduce -27.38%0.13%$26.37 - $37.26 $ 30.26-5%20,562
Joel Greenblatt 2016-12-31 Reduce -0.83%$26.37 - $37.26 $ 30.26-5%10,142
David Tepper 2016-12-31 Sold Out 2.65%$26.37 - $37.26 $ 30.26-5%0
Seth Klarman 2016-09-30 New Buy7.03%$25.12 - $28.4 $ 30.2610%17,565,000
First Eagle Investment 2016-09-30 Add 1.42%0.02%$25.12 - $28.4 $ 30.2610%16,481,807
David Tepper 2016-09-30 Reduce -31.37%1.26%$25.12 - $28.4 $ 30.2610%4,164,671
NWQ Managers 2016-09-30 Add 144.85%0.5%$25.12 - $28.4 $ 30.2610%2,101,291
Leon Cooperman 2016-09-30 Reduce -22.07%0.35%$25.12 - $28.4 $ 30.2610%1,706,167
Joel Greenblatt 2016-09-30 Add 18.86%$25.12 - $28.4 $ 30.2610%10,227
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Business Description

Industry: Credit Services » Credit Services    NAICS: 522190    SIC: 6159
Compare:NYSE:DFS, NYSE:ADS, NYSE:TSS, NYSE:WU, NYSE:COF, NAS:CACC, NAS:SLM, NAS:NAVI, NYSE:OMF, NYSE:FCFS, NYSE:LC, NAS:HAWK, NYSE:GDOT, NYSE:NNI, NAS:PRAA, NAS:MGI, NAS:FSC, NYSE:AGM, NAS:WRLD, NYSE:TCAP » 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.



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Top Ranked Articles about Synchrony Financial

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...
Warren Buffett Announces Surprise Buy, 5 Holding Increases for 2nd Quarter Also reiterates buy of STORE Capital and trims IBM, airlines
Berkshire Hathaway (NYSE:BRK.A)(NYSE:BRK.B) made its first new buy since the fourth quarter with a purchase of credit services company Synchrony Financial (NYSE:SYF). Read more...
Seth Klarman Bulks Up on Synchrony Despite Problems Guru made some unusual portfolio movements during the 2nd quarter
Seth Klarman (Trades, Portfolio), who is arguably one of the best value investors alive today, had a busy second quarter. The billionaire owner of hedge fund Baupost Group made several large position changes during the period, some of which are surprising. Read more...
BetterInvesting Magazine Releases August Stock To Study And Undervalued Stock Choices For Investors' Informational And Educational Use
Seth Klarman Adds Some Interesting New Positions The guru releases latest quarterly portfolio
It is that time of the year again. The largest hedge funds have just filed their 13Fs for the first quarter and, as usual, there are some interesting conversations about position changes. Read more...
Weekly Top Insider Buys Highlights Largest transactions were for Salesforce.com, Synchrony Financial, American Airlines Group and Biogen
Salesforce.com Inc. (NYSE:CRM), Synchrony Financial (NYSE:SYF), American Airlines Group Inc. (NASDAQ:AAL) and Biogen Inc. (NASDAQ:BIIB) were the largest insider buys for the week of May 5. Read more...
InvestorsObserver releases covered-call reports for Advanced Micro Devices, Bank of America, NVIDIA, Synchrony Financial and Qualcomm
Has Seth Klarman Sold Cheniere Energy Entirely? Guru started selling Cheniere last quarter; has he continued to do so?
Seth Klarman (Trades, Portfolio) is one of the world’s most followed investors and is also one of the world’s most respected value investors. Whenever he makes an investment, you can be sure that hours of research have gone into the opportunity, and at the time of acquisition, the stock will be trading at a deep discount to its estimated intrinsic value as calculated by Klarman and his team at Baupost. Read more...

Ratios

vs
industry
vs
history
PE Ratio 11.43
SYF's PE Ratio is ranked higher than
65% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.55 vs. SYF: 11.43 )
Ranked among companies with meaningful PE Ratio only.
SYF' s PE Ratio Range Over the Past 10 Years
Min: 9.4  Med: 12.21 Max: 24.85
Current: 11.43
9.4
24.85
Forward PE Ratio 11.34
SYF's Forward PE Ratio is ranked higher than
64% of the 50 Companies
in the Global Credit Services industry.

( Industry Median: 13.76 vs. SYF: 11.34 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 11.43
SYF's PE Ratio without NRI is ranked higher than
67% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.63 vs. SYF: 11.43 )
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: 12.21 Max: 24.85
Current: 11.43
9.4
24.85
PB Ratio 1.69
SYF's PB Ratio is ranked lower than
58% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. SYF: 1.69 )
Ranked among companies with meaningful PB Ratio only.
SYF' s PB Ratio Range Over the Past 10 Years
Min: 1.5  Med: 2.05 Max: 2.61
Current: 1.69
1.5
2.61
PS Ratio 2.12
SYF's PS Ratio is ranked higher than
68% of the 393 Companies
in the Global Credit Services industry.

( Industry Median: 3.73 vs. SYF: 2.12 )
Ranked among companies with meaningful PS Ratio only.
SYF' s PS Ratio Range Over the Past 10 Years
Min: 1.91  Med: 2.5 Max: 3.06
Current: 2.12
1.91
3.06
Price-to-Free-Cash-Flow 3.37
SYF's Price-to-Free-Cash-Flow is ranked higher than
75% of the 83 Companies
in the Global Credit Services industry.

( Industry Median: 8.05 vs. SYF: 3.37 )
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: 4.14 Max: 5.43
Current: 3.37
3.05
5.43
Price-to-Operating-Cash-Flow 3.37
SYF's Price-to-Operating-Cash-Flow is ranked higher than
75% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 8.91 vs. SYF: 3.37 )
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: 4.14 Max: 5.43
Current: 3.37
3.05
5.43
EV-to-EBIT 9.54
SYF's EV-to-EBIT is ranked higher than
77% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 18.99 vs. SYF: 9.54 )
Ranked among companies with meaningful EV-to-EBIT only.
SYF' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.1  Med: 10.5 Max: 12.7
Current: 9.54
8.1
12.7
EV-to-EBITDA 8.94
SYF's EV-to-EBITDA is ranked higher than
76% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 16.26 vs. SYF: 8.94 )
Ranked among companies with meaningful EV-to-EBITDA only.
SYF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.6  Med: 10 Max: 12.3
Current: 8.94
7.6
12.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.78
SYF's Dividend Yield % is ranked lower than
63% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 2.81 vs. SYF: 1.78 )
Ranked among companies with meaningful Dividend Yield % only.
SYF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.37  Med: 0.75 Max: 1.9
Current: 1.78
0.37
1.9
Dividend Payout Ratio 0.20
SYF's Dividend Payout Ratio is ranked higher than
77% of the 168 Companies
in the Global Credit Services industry.

( Industry Median: 0.34 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 % 2.00
SYF's Forward Dividend Yield % is ranked lower than
65% of the 296 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. SYF: 2.00 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.78
SYF's 5-Year Yield-on-Cost % is ranked lower than
68% of the 381 Companies
in the Global Credit Services industry.

( Industry Median: 3.29 vs. SYF: 1.78 )
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: 0.75 Max: 1.9
Current: 1.78
0.37
1.9
3-Year Average Share Buyback Ratio -5.00
SYF's 3-Year Average Share Buyback Ratio is ranked lower than
62% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: -1.20 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 1.92
SYF's Price-to-Tangible-Book is ranked lower than
59% of the 305 Companies
in the Global Credit Services industry.

( Industry Median: 1.41 vs. SYF: 1.92 )
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: 1.92
1.75
2.75
Price-to-Median-PS-Value 0.85
SYF's Price-to-Median-PS-Value is ranked higher than
64% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. SYF: 0.85 )
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: 0.82  Med: 0.98 Max: 1.15
Current: 0.85
0.82
1.15
Price-to-Graham-Number 0.99
SYF's Price-to-Graham-Number is ranked higher than
53% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 1.06 vs. SYF: 0.99 )
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: 0.99
0.87
1.66
Earnings Yield (Greenblatt) % 10.51
SYF's Earnings Yield (Greenblatt) % is ranked higher than
81% of the 419 Companies
in the Global Credit Services industry.

( Industry Median: 3.85 vs. SYF: 10.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SYF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 7.9  Med: 9.5 Max: 12.4
Current: 10.51
7.9
12.4

More Statistics

Revenue (TTM) (Mil) $11,731.00
EPS (TTM) $ 2.65
Beta1.01
Short Percentage of Float1.38%
52-Week Range $26.01 - 38.06
Shares Outstanding (Mil)795.34

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 12,969 13,887
EPS ($) 2.57 3.14 3.70
EPS without NRI ($) 2.57 3.14 3.70
EPS Growth Rate
(Future 3Y To 5Y Estimate)
6.00%
Dividends per Share ($) 0.56 0.63 0.72
» More Articles for SYF

Headlines

Articles On GuruFocus.com
Could This Be Why Buffett Sold GE and Bought Synchrony? Aug 16 2017 
Berkshire Hathaway Buys Bank of New York Mellon, Synchrony Financial, STORE Capital Corp, Sells IBM, Aug 15 2017 
What Do Buffett and Klarman See in Synchrony? Aug 15 2017 
Wall Street Down Despite Easing North Korea Tensions Aug 15 2017 
Berkshire Buys $521 Million Worth of Synchrony Financial Aug 15 2017 
Warren Buffett Announces Surprise Buy in 2nd Quarter Portfolio Aug 14 2017 
Seth Klarman Bulks Up on Synchrony Despite Problems Aug 14 2017 
Weekly Top Insider Buys Highlight for the Week of July 28 Jul 29 2017 
BetterInvesting Magazine Releases August Stock To Study And Undervalued Stock Choices For Investors' Jun 02 2017 
Seth Klarman Adds Some Interesting New Positions May 16 2017 

More From Other Websites
Why Is Synchrony Financial (SYF) Up 1.9% Since the Last Earnings Report? Aug 21 2017
PHOTO ADVISORY: CRACKING THE CODE: Synchrony Financial partners with Girls Who Code Aug 17 2017
Jeffrey Immelt’s Restructuring Efforts at General Electric Aug 17 2017
Top Stocks Warren Buffett's Buying Now Aug 16 2017
Could This Be Why Buffett Sold GE and Bought Synchrony? Aug 16 2017
Winners And Losers As Subprime Credit Card Delinquency Ticks Higher Aug 16 2017
Wynn Resorts Was the S&P 500’s Top Gainer on August 15 Aug 16 2017
[$$] Warren Buffett’s Berkshire Validates Another Credit-Card Company Aug 15 2017
Advance Auto Parts and Coach fall while Synchrony surges Aug 15 2017
[$$] Giving Credit to Card Issuer Synchrony Financial Aug 15 2017
Financial stocks set to rally as money pours into US banks: NYSE trader Aug 15 2017
Blockbuster Retail Sales data just can't boost stocks: NYSE trader Aug 15 2017
Buffett's Bet on Synchrony Financial Sends Financials Higher Aug 15 2017
Financial stock surges after Warren Buffett adds it to his big banking bet Aug 15 2017
Stocks to Watch: Synchrony, GE, Dick's, Advance Auto Parts, Coach, Pandora Aug 15 2017
Stocks struggle to maintain early gains as US dollar surges Aug 15 2017
Here's What Warren Buffett Has Been Buying and Selling Aug 15 2017
3 Stocks to Watch on Tuesday: Coach Inc (COH), Pandora Media Inc (P) and Synchrony Financial (SYF) Aug 15 2017
Buffett's Berkshire Takes Stake in Synchrony Aug 14 2017
[$$] Berkshire Hathaway Exits GE, Buys Into Synchrony Financial Aug 14 2017

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