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

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.03
Equity-to-Asset	0.12
Debt-to-Equity	1.11
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.56	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	6.9
	3-Year EPS without NRI Growth Rate	3.4
	3-Year FCF Growth Rate	1.2
	3-Year Book Growth Rate	5.9
	Future 3-5Y EPS without NRI Growth Rate	-2.5
	Future 3-5Y Total Revenue Growth Rate	8.73

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	75.12
	9-Day RSI	67.17
	14-Day RSI	61.75
	6-1 Month Momentum %	-9.09
	12-1 Month Momentum %	-24.65

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.07
	Dividend Payout Ratio	0.17
	3-Year Dividend Growth Rate	1.5
	Forward Dividend Yield %	3.07
	5-Year Yield-on-Cost %	4.59
	3-Year Average Share Buyback Ratio	10.7
	Shareholder Yield %	-0.5

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	18.18
	FCF Margin %	62.19
	ROE %	17.93
	ROA %	2.22
	Years of Profitability over Past 10-Year	10

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	5.77
	Forward PE Ratio	5.89
	PE Ratio without NRI	5.77
	Shiller PE Ratio	6.67
	PEG Ratio	0.8
	PS Ratio	1.08
	PB Ratio	0.99
	Price-to-Tangible-Book	1.2
	Price-to-Free-Cash-Flow	1.77
	Price-to-Operating-Cash-Flow	1.77
	EV-to-Revenue	1.03
	EV-to-Forward-Revenue	1.97
	EV-to-FCF	1.55
	Price-to-Projected-FCF	0.11
	Price-to-DCF (Earnings Based)	0.37
	Price-to-DCF (FCF Based)	0.11
	Price-to-Peter-Lynch-Fair-Value	0.66
	Price-to-Graham-Number	0.55
	FCF Yield %	61.75
	Forward Rate of Return (Yacktman) %	56.57

Financials (Next Earnings Date:2024-01-23 Est.)

Annual Quarterly TTM

SYF's 30-Y Financials

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Synchrony Financial Operating Data

Annual Quarterly

SYF's Complete Operating Data

No operating data available for Synchrony Financial.

Guru Trades

See Details

Insider Trades

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Gurus Latest Trades with NYSE:SYF

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014

Synchrony Financial Executives

Details

GF Value: $57.74

SYF

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 5 Good signs with SYF. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	13,061
	EPS (TTM) ($)	5.41
	Beta	1.41
	Volatility %	31.61
	14-Day RSI	61.75
	14-Day ATR ($)	0.791054
	20-Day SMA ($)	29.6355
	12-1 Month Momentum %	-24.65
	52-Week Range ($)	26.59 - 37.995
	Shares Outstanding (Mil)	413.8

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Synchrony Financial Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Synchrony Financial Stock Events

	Event	Date	Price($)
No Event Data

Synchrony Financial Frequently Asked Questions

What is Synchrony Financial(SYF)'s stock price today?

The current price of SYF is $31.22. The 52 week high of SYF is $37.99 and 52 week low is $26.59.

When is next earnings date of Synchrony Financial(SYF)?

The next earnings date of Synchrony Financial(SYF) is 2024-01-23 Est..

Does Synchrony Financial(SYF) pay dividends? If so, how much?

The Dividend Yield % of Synchrony Financial(SYF) is 3.07% (As of Today), Highest Dividend Payout Ratio of Synchrony Financial(SYF) was 0.39. The lowest was 0.1. And the median was 0.16. The Forward Dividend Yield % of Synchrony Financial(SYF) is 3.07%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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