US stock · Financial Services sector · Credit Services
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Synchrony Financial

SYFNYSE

36.14

USD
+0.96
(+2.73%)
Market Closed
4.89P/E
6Forward P/E
0.19P/E to S&P500
18.124BMarket CAP
2.50%Div Yield
Upcoming Earnings
18 Jul-22 Jul
Shares Short
5/13/22
12.44M
Short % of Float
2.87%
Short % of Shares Outs.
2.48%
% Held by Insiders
0.42%
% Held by Institutions
99.00%
Beta
1.44
PEG Ratio
0.17
52w. high/low
52.49/31.36
Avg. Daily Volume
7.34M
Return %
Stock
S&P 500
1 year
(23.74)
(3.64)
3 years
3.67
43.84
5 years
32.09
68.07
Scale: |
High
Low
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
30.64
22.60
36.40
27.92
37.31
23.25
39.17
26.01
40.59
21.77
38.18
23.12
36.42
12.15
52.49
33.41
50.20
31.36
Currency: USD
- -
- -
- -
- -
- -
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
TTM
Revenue per share
- -
- -
- -
- -
- -
10.72
12.34
13.59
15.59
14.97
16.73
19.24
22.07
25.62
26.24
24.99
28.33
Earnings per share
- -
- -
- -
- -
- -
2.28
2.55
2.38
2.78
2.66
2.71
2.43
3.76
5.59
2.35
7.17
7.35
FCF per share
- -
- -
- -
- -
- -
6.64
6.79
6.84
7.05
7.42
8.23
11.21
12.59
13.41
12.71
12.05
12.03
Dividends per share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.26
0.56
0.72
0.87
0.95
0.92
0.75
CAPEX per share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per sh.
- -
- -
- -
- -
- -
- -
5.52
7.18
13.83
15.12
17.12
17.89
19.77
22.51
21.56
23.18
25.08
Comm.Shares outs.
- -
- -
- -
- -
- -
830
830
830
757
834
829
796
742
670
589
589
553
Avg. annual P/E ratio
- -
- -
- -
- -
- -
- -
- -
- -
9.3
12.0
10.6
13.3
8.6
6.0
10.9
6.2
4.9
P/E to S&P500
- -
- -
- -
- -
- -
- -
- -
- -
0.5
0.6
0.5
0.6
0.3
0.2
0.3
0.2
0.2
Avg. annual div. yield
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.9%
1.7%
2.2%
2.6%
3.7%
2.1%
1.7%
Revenue (m)
- -
- -
- -
- -
- -
8,904
10,247
11,284
11,805
12,485
13,874
15,304
16,383
17,170
15,456
14,720
15,675
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation (m)
- -
- -
- -
- -
- -
96
83
104
131
174
219
254
302
367
383
390
402
Net profit (m)
- -
- -
- -
- -
- -
1,890
2,119
1,979
2,109
2,214
2,251
1,935
2,790
3,747
1,385
4,221
4,118
Income tax rate
- -
- -
- -
- -
- -
37.2%
37.2%
37.0%
37.7%
37.3%
36.9%
41.8%
23.4%
23.3%
22.9%
23.3%
23.8%
Net profit margin
- -
- -
- -
- -
- -
21.2%
20.7%
17.5%
17.9%
17.7%
16.2%
12.6%
17.0%
21.8%
9.0%
28.7%
26.4%
Working capital (m)
- -
- -
- -
- -
- -
- -
- -
- -
(24,343)
(31,640)
(41,433)
(44,685)
(52,660)
23,888
- -
- -
10,544
Long-term debt (m)
- -
- -
- -
- -
- -
- -
27,815
24,321
27,460
24,344
20,147
20,799
23,996
19,866
15,775
14,507
- -
Equity (m)
- -
- -
- -
- -
- -
- -
4,582
5,960
10,478
12,604
14,196
14,234
14,678
15,088
12,701
13,655
13,731
ROIC
- -
- -
- -
- -
- -
- -
4.8%
4.1%
7.1%
7.9%
8.8%
7.8%
10.9%
15.7%
2.8%
5.2%
5.1%
Return on capital
- -
- -
- -
- -
- -
- -
7.7%
6.6%
5.7%
5.5%
5.3%
4.9%
5.2%
6.8%
3.6%
6.8%
6.7%
Return on equity
- -
- -
- -
- -
- -
- -
46.2%
33.2%
20.1%
17.6%
15.9%
13.6%
19.0%
24.8%
10.9%
30.9%
30.0%
Plowback ratio
- -
- -
- -
- -
- -
100.0%
100.0%
100.0%
100.0%
100.0%
90.5%
77.0%
80.9%
84.5%
59.4%
87.2%
90.0%
Div.&Repurch./FCF
- -
- -
- -
- -
- -
- -
- -
- -
(53.2)%
- -
10.1%
21.8%
25.7%
46.7%
20.7%
48.1%
61.0%
Capital Structure
21 Apr · 2022 | Q1
All numbers in millions
Total liabilities
$ 81,849
Total assets
$ 95,556
Long-term debt
$ - -
Cash and equiv.
$ 10,541
Goodwill
$ 1,105
Retained earnings
$ 15,003
Common stock
538
Enterprise Value
$ 7,583
Working Capital
Currency: USD, in millions
2019
2020
2021
Cash & Investments
12,147
18,993
13,620
Receivables
81,613
- -
- -
Inventory
- -
- -
- -
Other
- -
(19,616)
(17,430)
Current assets
93,760
- -
- -
Acc. Payable
- -
- -
- -
Debt due
- -
- -
- -
Other
69,872
- -
- -
Current liabilities
69,872
- -
- -
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
(4.76)%
(0.72)%
4.34%
Cash flow
(5.18)%
(5.22)%
3.41%
Earnings
204.77%
55.05%
23.64%
Dividends
(3.56)%
5.43%
- -
Book value
7.51%
(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
Quarterly Revenue
Currency: USD, in millions
Year
1Q
2Q
3Q
4Q
Total
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
- -
- -
- -
- -
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
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
- -
- -
- -
- -
Quarterly dividends paid
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
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
- -
- -
- -
- -
Company Description
Sector:
Financial Services
Industry:
Credit Services
CEO:
Ms. Margaret Keane
Full-time employees:
18,000
City:
Stamford
Address:
777 Long Ridge Rd
IPO:
Jul 31, 2014
Website:
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.
Recent News
· 12 Jan, 2021 · The Wall Street Journal