US stock · Financial Services sector · Credit Services
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Synchrony Financial

SYFNYSE

32.91

USD
-1.19
(-3.49%)
After Hours Market
4.61P/E
6Forward P/E
0.18P/E to S&P500
16.504BMarket CAP
2.58%Div Yield

Synchrony Financial

NYSE:SYF

RECENT
PRICE

32.91

P/E
RATIO

4.61

(PEG:0.02)

P/E RATIO
RELATIVE
TO S&P

0.18

DIV
YLD

1.69%

High:
Low:

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Legends

Stock price

1.44 Beta (1.0 Market)

0

0

0

0

0

0

0

0

0

-

% total return 05/22:

Stock

S&P

1y.

0

0

3y.

0

0

5y.

0

0

0

Percent shares traded:

0

0

0

- -

- -

- -

- -

- -

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

TTM

Fiscal year

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

10.72

2.28

6.64

- -

12.34

2.55

6.79

- -

13.59

2.38

6.84

- -

15.59

2.78

7.05

- -

14.97

2.66

7.42

- -

16.73

2.71

8.23

0.26

19.24

2.43

11.21

0.56

22.07

3.76

12.59

0.72

25.62

5.59

13.41

0.87

26.24

2.35

12.71

0.95

24.99

7.17

12.05

0.92

28.33

7.35

12.03

0.75

Revenue per share

Earnings per share

Free Cash Flow per sh

Dividends per share

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

5.52

- -

7.18

- -

13.83

- -

15.12

- -

17.12

- -

17.89

- -

19.77

- -

22.51

- -

21.56

- -

23.18

- -

25.08

CAPEX per share

Book Value per share

- -

- -

- -

- -

- -

830

830

830

757

834

829

796

742

670

589

589

553

Comm.Shares outs.(m)

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

- -

9.3

0.5

- -

12.0

0.6

- -

10.6

0.5

0.9%

13.3

0.6

1.7%

8.6

0.3

2.2%

6.0

0.2

2.6%

10.9

0.3

3.7%

6.2

0.2

2.1%

4.6

0.2

1.7%

Avg. annual P/E ratio

P/E relative to S&P500

Avg. annual div. yield

Capital Structure (31/3/22 | Q1)

Total liabilities
$81,849 m.

Total assets
$95,556 m.

Long-term debt
- -

Cash and equiv.
$10,541 m.

Goodwill $1,105 m.

Retained earnings $15,003 m.

Common stock 538 m. shares

Market Capitalisation
$17,081 m. (as of 24/5/22)

8,904

- -

10,247

- -

11,284

- -

11,805

- -

12,485

- -

13,874

- -

15,304

- -

16,383

- -

17,170

- -

15,456

- -

14,720

- -

15,675

- -

Revenue (m)

Operating margin

96

1,890

83

2,119

104

1,979

131

2,109

174

2,214

219

2,251

254

1,935

302

2,790

367

3,747

383

1,385

390

4,221

402

4,118

Depreciation (m)

Net profit (m)

37.2%

21.2%

37.2%

20.7%

37.0%

17.5%

37.7%

17.9%

37.3%

17.7%

36.9%

16.2%

41.8%

12.6%

23.4%

17.0%

23.3%

21.8%

22.9%

9.0%

23.3%

28.7%

23.8%

26.4%

Income tax rate

Net profit margin

- -

- -

- -

- -

27,815

4,582

- -

24,321

5,960

(24,343)

27,460

10,478

(31,640)

24,344

12,604

(41,433)

20,147

14,196

(44,685)

20,799

14,234

(52,660)

23,996

14,678

23,888

19,866

15,088

- -

15,775

12,701

- -

14,507

13,655

10,544

- -

13,731

Working capital (m)

Long-term debt (m)

Equity (m)

- -

- -

- -

4.8%

7.7%

46.2%

4.1%

6.6%

33.2%

7.1%

5.7%

20.1%

7.9%

5.5%

17.6%

8.8%

5.3%

15.9%

7.8%

4.9%

13.6%

10.9%

5.2%

19.0%

15.7%

6.8%

24.8%

2.8%

3.6%

10.9%

5.2%

6.8%

30.9%

5.1%

6.7%

30.0%

ROIC

Return on capital

Return on equity

Working Capital

2019

2020

2021

Cash assets

12,147

11,524

8,337

Receivables

81,613

- -

- -

Inventory

- -

- -

- -

Other

- -

(18,993)

(13,620)

Current assets

93,760

- -

- -

Acc. Payable

- -

- -

- -

Debt due

- -

- -

- -

Other

69,872

- -

- -

Current liab.

69,872

- -

- -

100.0%

- -

100.0%

- -

100.0%

- -

100.0%

(53.2)%

100.0%

- -

90.5%

10.1%

77.0%

21.8%

80.9%

25.7%

84.5%

46.7%

59.4%

20.7%

87.2%

48.1%

90.0%

61.0%

Plowback ratio

Div.&Repurch. to FCF

Synchrony Financial (US) started trading on July 4, 2014 (cik: 0001601712), operates in the Financial Services sector (Credit Services industry), has 18,000 full-time employees, and is led by Ms. Margaret Keane. Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.

Annual rates

(avg rate of change)

Past
5 y.

Past
10 y.

Revenues

-0.72%

4.34%

Cash flow

-5.22%

3.41%

Earnings

55.05%

23.64%

Dividends

5.43%

- -

Book value

-0.60%

15.19%

Insider trading

Type

Shares

Date

Guthrie Roy A

Award

24

05/12/22

Zane Ellen M

Award

24

05/12/22

Juel Carol

Award

371

05/12/22

Parker P.W.

Award

24

05/12/22

Howse Curtis

Award

309

05/12/22

Fiscal Year Ends

Quarterly Revenue (m)

Full fiscal year

I

II

III

IV

2020

3,987

3,491

3,743

3,943

15,164

2021

3,749

3,648

4,008

3,997

15,402

2022

4,022

- -

- -

- -

- -

Fiscal Year Ends

Earnings per share

Full fiscal year

I

II

III

IV

2020

0.49

0.08

0.53

1.25

2.35

2021

1.74

2.11

1.94

1.38

7.17

2022

1.71

- -

- -

- -

- -

Fiscal Year Ends

Quarterly dividends paid

Full fiscal year

I

II

III

IV

2020

0.25

0.24

0.24

0.23

0.95

2021

0.24

0.23

0.23

0.22

0.92

2022

0.02

- -

- -

- -

- -

04/13/2021

Gap to Replace Longtime Credit-Card Issuer Synchrony With Barclays

The Wall Street Journal - Read more...

01/12/2021

Synchrony Names Brian Doubles as CEO

The Wall Street Journal - Read more...