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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.70
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: 0.70 )
Ranked among companies with meaningful Cash-to-Debt only.
SYF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.51 Max: 0.7
Current: 0.7
0.08
0.7
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 1.38
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: 1.38 )
Ranked among companies with meaningful Debt-to-Equity only.
SYF' s Debt-to-Equity Range Over the Past 10 Years
Min: 1.38  Med: 1.96 Max: 3.76
Current: 1.38
1.38
3.76
Debt-to-EBITDA 5.53
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: 5.53 )
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: 5.53
4.73
7.81
Interest Coverage 2.51
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: 2.51 )
Ranked among companies with meaningful Interest Coverage only.
SYF' s Interest Coverage Range Over the Past 10 Years
Min: 2.51  Med: 3.45 Max: 4.53
Current: 2.51
2.51
4.53
Beneish M-Score: -2.65
WACC vs ROIC
6.07%
9.48%
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 % 27.81
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: 27.81 )
Ranked among companies with meaningful Operating Margin % only.
SYF' s Operating Margin % Range Over the Past 10 Years
Min: 27.81  Med: 35.35 Max: 36.68
Current: 27.81
27.81
36.68
Net Margin % 17.61
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: 17.61 )
Ranked among companies with meaningful Net Margin % only.
SYF' s Net Margin % Range Over the Past 10 Years
Min: 17.61  Med: 22.21 Max: 22.85
Current: 17.61
17.61
22.85
ROE % 14.91
SYF's ROE % is ranked higher than
75% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 7.38 vs. SYF: 14.91 )
Ranked among companies with meaningful ROE % only.
SYF' s ROE % Range Over the Past 10 Years
Min: 14.91  Med: 25.66 Max: 92.49
Current: 14.91
14.91
92.49
ROA % 2.36
SYF's ROA % is ranked higher than
52% of the 427 Companies
in the Global Credit Services industry.

( Industry Median: 2.26 vs. SYF: 2.36 )
Ranked among companies with meaningful ROA % only.
SYF' s ROA % Range Over the Past 10 Years
Min: 2.36  Med: 3.13 Max: 7.93
Current: 2.36
2.36
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
GuruFocus has detected 1 Warning Sign with Synchrony Financial SYF.
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

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
Q3 2017

SYF Guru Trades in Q3 2017

Steven Cohen 1,967,700 sh (+36.40%)
HOTCHKIS & WILEY 1,427,200 sh (+24.47%)
Warren Buffett 20,803,000 sh (+19.13%)
Mario Gabelli 11,968 sh (+11.14%)
Signature Select Canadian Fund 581,387 sh (+10.09%)
John Buckingham 53,339 sh (+8.16%)
First Eagle Investment 17,666,015 sh (+2.10%)
Seth Klarman 29,295,030 sh (unchged)
David Dreman 30,172 sh (unchged)
Leon Cooperman 1,311,867 sh (unchged)
Steven Cohen 60,000 sh (unchged)
Ron Baron 76,905 sh (unchged)
Jim Simons Sold Out
Louis Moore Bacon Sold Out
Paul Tudor Jones Sold Out
Pioneer Investments 1,935,468 sh (-1.94%)
Barrow, Hanley, Mewhinney & Strauss 1,435 sh (-2.71%)
NWQ Managers 2,657,347 sh (-16.09%)
Joel Greenblatt 10,117 sh (-37.59%)
» 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
Warren Buffett 2017-09-30 Add 19.13%0.06%$28.55 - $31.19 $ 38.4729%20,803,000
First Eagle Investment 2017-09-30 Add 2.10%0.03%$28.55 - $31.19 $ 38.4729%17,666,015
NWQ Managers 2017-09-30 Reduce -16.09%0.21%$28.55 - $31.19 $ 38.4729%2,657,347
HOTCHKIS & WILEY 2017-09-30 Add 24.47%0.03%$28.55 - $31.19 $ 38.4729%1,427,200
Mario Gabelli 2017-09-30 Add 11.14%$28.55 - $31.19 $ 38.4729%11,968
Joel Greenblatt 2017-09-30 Reduce -37.59%$28.55 - $31.19 $ 38.4729%10,117
Barrow, Hanley, Mewhinney & Strauss 2017-09-30 Reduce -2.71%$28.55 - $31.19 $ 38.4729%1,435
Seth Klarman 2017-06-30 Add 65.84%3.99%$26.5 - $34.3 $ 38.4729%29,295,030
Warren Buffett 2017-06-30 New Buy0.32%$26.5 - $34.3 $ 38.4729%17,463,000
First Eagle Investment 2017-06-30 Add 1.15%0.01%$26.5 - $34.3 $ 38.4729%17,303,205
NWQ Managers 2017-06-30 Add 19.20%0.21%$26.5 - $34.3 $ 38.4729%3,166,869
Leon Cooperman 2017-06-30 Add 39.86%0.46%$26.5 - $34.3 $ 38.4729%1,311,867
HOTCHKIS & WILEY 2017-06-30 New Buy0.14%$26.5 - $34.3 $ 38.4729%1,146,600
Ron Baron 2017-06-30 Reduce -49.27%0.01%$26.5 - $34.3 $ 38.4729%76,905
David Dreman 2017-06-30 Add 46.74%0.16%$26.5 - $34.3 $ 38.4729%30,172
Joel Greenblatt 2017-06-30 Reduce -48.28%$26.5 - $34.3 $ 38.4729%16,210
Mario Gabelli 2017-06-30 New Buy$26.5 - $34.3 $ 38.4729%10,768
Seth Klarman 2017-03-31 Reduce -14.52%1.43%$32.74 - $37.93 $ 38.477%17,665,000
First Eagle Investment 2017-03-31 Add 2.94%0.04%$32.74 - $37.93 $ 38.477%17,106,131
NWQ Managers 2017-03-31 Reduce -3.61%0.05%$32.74 - $37.93 $ 38.477%2,656,858
Ron Baron 2017-03-31 Add 169.03%0.02%$32.74 - $37.93 $ 38.477%151,594
Joel Greenblatt 2017-03-31 Add 209.00%0.01%$32.74 - $37.93 $ 38.477%31,339
Barrow, Hanley, Mewhinney & Strauss 2017-03-31 New Buy$32.74 - $37.93 $ 38.477%1,475
George Soros 2017-03-31 Sold Out 0.12%$32.74 - $37.93 $ 38.477%0
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