Business Description
Synchrony Financial
NAICS : 522190
SIC : 6159
777 Long Ridge Road, Stamford, CT, USA, 06902
Description
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
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.88 | |||||
| Equity-to-Asset | 0.14 | |||||
| Debt-to-Equity | 0.91 | |||||
| Debt-to-EBITDA | 0.78 | |||||
| Interest Coverage | N/A |
N/A
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N/A
| |||
| Piotroski F-Score | 8/9 | |||||
| Altman Z-Score | 0 | |||||
| Beneish M-Score | -2.53 | |||||
| WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 5.6 | |||||
| 3-Year EPS without NRI Growth Rate | 25.2 | |||||
| 3-Year FCF Growth Rate | -0.1 | |||||
| 3-Year Book Growth Rate | 6.3 | |||||
| Future 3-5Y EPS without NRI Growth Rate Industry Rank | -8.8 | |||||
| Future 3-5Y Total Revenue Growth Rate Industry Rank | -5.73 |
Momentum Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 71.95 | |||||
| 9-Day RSI | 70.19 | |||||
| 14-Day RSI | 66.32 | |||||
| 6-1 Month Momentum % | -30.01 | |||||
| 12-1 Month Momentum % | -39 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 2.52 | |||||
| Dividend Payout Ratio | 0.13 | |||||
| 3-Year Dividend Growth Rate | 6.9 | |||||
| Forward Dividend Yield % | 2.6 | |||||
| 5-Year Yield-on-Cost % | 7.6 | |||||
| 3-Year Average Share Buyback Ratio | 9.8 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 23.58 | |||||
| ROE % | 26.59 | |||||
| ROA % | 3.92 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 5.33 | |||||
| Forward PE Ratio | 6.39 | |||||
| PE Ratio without NRI | 5.33 | |||||
| Shiller PE Ratio | 8.65 | |||||
| PEG Ratio | 0.83 | |||||
| PS Ratio | 1.25 | |||||
| PB Ratio | 1.42 | |||||
| Price-to-Tangible-Book | 1.66 | |||||
| Price-to-Free-Cash-Flow | 2.76 | |||||
| Price-to-Operating-Cash-Flow | 2.76 | |||||
| EV-to-Revenue | 1.27 | |||||
| EV-to-Forward-Revenue | 2.67 | |||||
| EV-to-FCF | 2.78 | |||||
| Price-to-Projected-FCF | 0.16 | |||||
| Price-to-Peter-Lynch-Fair-Value | 0.85 | |||||
| Price-to-Graham-Number | 0.62 | |||||
| Forward Rate of Return (Yacktman) % | 41.24 |
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Executives
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Analyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 15,646 | ||
| EPS (TTM) ($) | 6.85 | ||
| Beta | 1.67 | ||
| Volatility % | 42.15 | ||
| 14-Day RSI | 66.32 | ||
| 14-Day ATR ($) | 1.116231 | ||
| 20-Day SMA ($) | 33.9085 | ||
| 12-1 Month Momentum % | -39 | ||
| 52-Week Range ($) | 27.215 - 52.49 | ||
| Shares Outstanding (Mil) | 481.76 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 8 | ||
| 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
| Document | Form | Filing Date | ||
|---|---|---|---|---|
| No Filing Data | ||||