Stock SYF SYNCHRONY FINANCIAL
Add to a list
To use this feature you must be a member
Log inSign up

Financials Synchrony Financial

Equities

SYF

US87165B1035

Consumer Lending

Market Closed - Nyse
Other stock markets
 04:00:01 2024-04-26 pm EDT 		5-day change 1st Jan Change
44.67 USD +0.02% Intraday chart for Synchrony Financial +7.46% +16.97%
Apr. 25 BMO Capital Adjusts Price Target on Synchrony Financial to $41 From $40 MT
Apr. 25 Jefferies Adjusts Price Target on Synchrony Financial to $50 From $48 MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 23,269 20,263 25,387 14,805 15,803 17,937 - -
Enterprise Value (EV) 1 30,988 24,514 31,557 18,702 17,526 21,336 16,356 17,937
P/E ratio 6.48 x 15.3 x 6.32 x 5.34 x 7.36 x 6.37 x 7.43 x 6.32 x
Yield 2.39% 2.54% 1.9% 2.74% 2.51% 2.29% 2.38% 2.69%
Capitalization / Revenue 1.75 x 1.82 x 2.49 x 1.27 x 1.16 x 1.16 x 1.18 x 1.12 x
EV / Revenue 2.33 x 2.2 x 3.1 x 1.6 x 1.29 x 1.38 x 1.08 x 1.12 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.54 x 1.69 x 1.89 x 1.19 x 1.18 x 1.15 x 1.04 x 0.97 x
Nbr of stocks (in thousands) 646,193 583,792 547,259 450,541 413,804 401,544 - -
Reference price 2 36.01 34.71 46.39 32.86 38.19 44.67 44.67 44.67
Announcement Date 1/24/20 1/29/21 1/28/22 1/23/23 1/23/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 13,312 11,162 10,192 11,674 13,627 15,431 15,137 16,086
EBITDA - - - - - - - -
EBIT 1 9,067 7,107 6,229 7,337 8,869 10,677 9,993 10,563
Operating Margin 68.11% 63.67% 61.12% 62.85% 65.08% 69.19% 66.02% 65.67%
Earnings before Tax (EBT) 1 4,887 1,797 5,503 3,962 2,904 3,830 3,118 3,348
Net income 1 3,747 1,343 4,179 2,974 2,196 2,936 2,340 2,578
Net margin 28.15% 12.03% 41% 25.48% 16.12% 19.03% 15.46% 16.03%
EPS 2 5.560 2.270 7.340 6.150 5.190 7.016 6.010 7.071
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.8600 0.8800 0.8800 0.9000 0.9600 1.021 1.064 1.201
Announcement Date 1/24/20 1/29/21 1/28/22 1/23/23 1/23/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 2,730 2,793 2,873 2,915 3,093 3,163 3,294 3,475 3,659 4,798 3,702 3,789 3,645 3,693 3,704
EBITDA - - - - - - - - - - - - - - -
EBIT 1 1,608 1,754 1,790 1,851 1,942 2,044 2,125 2,321 2,343 3,592 2,499 2,552 2,292 2,422 2,504
Operating Margin 58.9% 62.8% 62.3% 63.5% 62.79% 64.62% 64.51% 66.79% 64.03% 74.86% 67.51% 67.36% 62.88% 65.56% 67.6%
Earnings before Tax (EBT) 1 1,047 1,233 1,066 922 741 790 742 833 539 1,708 743.1 951.2 558.3 597.2 697
Net income 1 803 922 793 692 567 590 559 618 429 1,282 554.2 696.2 413.3 489.9 499.3
Net margin 29.41% 33.01% 27.6% 23.74% 18.33% 18.65% 16.97% 17.78% 11.72% 26.72% 14.97% 18.38% 11.34% 13.27% 13.48%
EPS 2 1.480 1.770 1.600 1.470 1.260 1.350 1.320 1.480 1.030 3.140 1.441 1.817 1.027 1.385 1.382
Dividend per Share 2 0.2200 0.2200 0.2200 0.2300 0.2300 0.2300 0.2300 0.2500 0.2500 - 0.2500 0.2633 0.2633 0.2243 0.2243
Announcement Date 1/28/22 4/18/22 7/18/22 10/25/22 1/23/23 4/19/23 7/18/23 10/24/23 1/23/24 4/24/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 7,719 4,251 6,170 3,897 1,723 3,399 - -
Net Cash position 1 - - - - - - 1,581 -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 25.1% 11.2% 30.8% 22.6% 16.4% 17.3% 14.4% 15.7%
ROA (Net income/ Total Assets) 3.5% 1.4% 4.5% 3.1% 2% 2.15% 1.81% 1.87%
Assets 1 107,057 95,929 92,867 95,935 109,800 136,855 129,438 138,121
Book Value Per Share 2 23.30 20.50 24.50 27.70 32.40 38.90 42.90 46.10
Cash Flow per Share 13.30 2.550 12.50 13.80 - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/24/20 1/29/21 1/28/22 1/23/23 1/23/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Synchrony Financial

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
19
Last Close Price
44.67 USD
Average target price
46.32 USD
Spread / Average Target
+3.68%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Other Consumer Lending

1st Jan change Capi.
SYNCHRONY FINANCIAL Stock Synchrony Financial
+16.97% 17.94B
BAJAJ FINANCE LIMITED Stock Bajaj Finance Limited
-8.14% 49.88B
BAJAJ FINSERV LTD. Stock Bajaj Finserv Ltd.
-5.25% 30.53B
JIO FINANCIAL SERVICES LIMITED Stock Jio Financial Services Limited
+63.88% 29.08B
ORIX CORPORATION Stock ORIX Corporation
+20.03% 23.38B
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED Stock Cholamandalam Investment and Finance Company Limited
-6.99% 11.81B
SHRIRAM FINANCE LIMITED Stock Shriram Finance Limited
+21.92% 11.27B
SOFI TECHNOLOGIES, INC. Stock SoFi Technologies, Inc.
-20.90% 8.31B
MUTHOOT FINANCE LIMITED Stock Muthoot Finance Limited
+14.34% 8.13B
SUNDARAM FINANCE LIMITED Stock Sundaram Finance Limited
+36.65% 6.39B
Other Consumer Lending
  1. Stock Market
  2. Equities
  3. SYF Stock
  4. Financials Synchrony Financial