Synchrony Financial (SYF)

$40.12

+0.42

(+1.06%)

Market is closed - opens 8 PM, 26 Feb 2024

Insights on Synchrony Financial

  • Decreasing Revenue

    Revenue is down for the last 2 quarters, 5.35B → 3.65B (in $), with an average decrease of 31.7% per quarter

  • Decreasing Net Profit

    Netprofit is down for the last 2 quarters, 628.0M → 440.0M (in $), with an average decrease of 29.9% per quarter

  • Vs MA

    In the last 1 year, Mastercard Inc. has given 34.1% return, outperforming this stock by 22.0%

  • Vs AXP

    In the last 3 years, American Express Co. has given 28.9% return, outperforming this stock by 29.1%

Performance

  • $39.81
    $40.45
    $40.12
    downward going graph

    0.77%

    Downside

    Day's Volatility :1.58%

    Upside

    0.82%

    downward going graph
  • $26.00
    $40.92
    $40.12
    downward going graph

    35.19%

    Downside

    52 Weeks Volatility :36.46%

    Upside

    1.96%

    downward going graph

Returns

PeriodSynchrony FinancialSector (Financials)S&P500
3 Months
34.5%
13.9%
11.6%
6 Months
25.57%
19.1%
16.3%
1 Year
12.07%
13.0%
28.2%
3 Years
-0.25%
20.1%
29.6%

Highlights

Market Capitalization
16.4B
Book Value
$32.37
Dividend Share
0.96
Dividend Yield
2.47%
Earnings Per Share (EPS)
5.19
PE Ratio
7.77
PEG Ratio
1.78
Wall Street Target Price
42.55
Profit Margin
29.21%
Operating Margin TTM
46.9%
Return On Assets TTM
2.02%
Return On Equity TTM
16.72%
Revenue TTM
7.7B
Revenue Per Share TTM
18.19
Quarterly Revenue Growth YOY
-2.0%
Gross Profit TTM
8.3B
Diluted Eps TTM
5.19
Quarterly Earnings Growth YOY
-0.18
EPS Estimate Current Year
5.61
EPS Estimate Next Year
6.37
EPS Estimate Current Quarter
0.93
EPS Estimate Next Quarter
1.72

Analyst Recommendation

Buy
    48%Buy
    44%Hold
    8%Sell
Based on 25 Wall street analysts offering stock ratings for Synchrony Financial(by analysts ranked 0 to 5 stars)
Based on 25 analyst
  • Current
  • 1M Ago
  • 3M Ago
Buy
12
11
12
Hold
11
10
8
Sell
2
2
3

Analyst Forecast

What analysts predicted

Upside of 6.06%

Current $40.12
Target $42.55

Company Financials

FY18Y/Y Change
Revenue
13.3B
↑ 7.41%
Net Income
2.8B
↑ 44.19%
Net Profit Margin
21.0%
↑ 5.35%
FY19Y/Y Change
Revenue
13.3B
↑ 0.21%
Net Income
3.7B
↑ 34.3%
Net Profit Margin
28.15%
↑ 7.15%
FY20Y/Y Change
Revenue
11.2B
↓ 16.15%
Net Income
1.4B
↓ 63.04%
Net Profit Margin
12.41%
↓ 15.74%
FY21Y/Y Change
Revenue
10.2B
↓ 8.69%
Net Income
4.2B
↑ 204.77%
Net Profit Margin
41.41%
↑ 29.0%
FY22Y/Y Change
Revenue
16.0B
↑ 57.03%
Net Income
3.0B
↓ 28.55%
Net Profit Margin
18.84%
↓ 22.57%
FY23Y/Y Change
Revenue
13.6B
↓ 14.86%
Net Income
2.2B
↓ 25.8%
Net Profit Margin
16.42%
↓ 2.42%
Q3 FY22Q/Q Change
Revenue
4.3B
↑ 6.58%
Net Income
703.0M
↓ 12.56%
Net Profit Margin
16.19%
↓ 3.54%
Q4 FY22Q/Q Change
Revenue
4.1B
↓ 4.74%
Net Income
567.0M
↓ 19.35%
Net Profit Margin
13.71%
↓ 2.48%
Q1 FY23Q/Q Change
Revenue
4.1B
↓ 0.48%
Net Income
601.0M
↑ 6.0%
Net Profit Margin
14.6%
↑ 0.89%
Q2 FY23Q/Q Change
Revenue
3.3B
↓ 19.97%
Net Income
569.0M
↓ 5.32%
Net Profit Margin
17.27%
↑ 2.67%
Q3 FY23Q/Q Change
Revenue
5.4B
↑ 62.54%
Net Income
628.0M
↑ 10.37%
Net Profit Margin
11.73%
↓ 5.54%
Q4 FY23Q/Q Change
Revenue
3.7B
↓ 31.66%
Net Income
440.0M
↓ 29.94%
Net Profit Margin
12.03%
↑ 0.3%
FY18Y/Y Change
Total Assets
106.8B
↑ 11.46%
Total Liabilities
92.1B
↑ 12.92%
FY19Y/Y Change
Total Assets
104.8B
↓ 1.84%
Total Liabilities
19.9B
↓ 78.43%
FY20Y/Y Change
Total Assets
95.9B
↓ 8.47%
Total Liabilities
15.8B
↓ 20.59%
FY21Y/Y Change
Total Assets
95.7B
↓ 0.21%
Total Liabilities
14.5B
↓ 8.04%
FY22Y/Y Change
Total Assets
104.6B
↑ 9.21%
Total Liabilities
91.7B
↑ 532.05%
FY23Y/Y Change
Total Assets
117.5B
↑ 12.35%
Total Liabilities
16.0B
↓ 82.57%
Q3 FY22Q/Q Change
Total Assets
100.8B
↑ 5.85%
Total Liabilities
87.8B
↑ 7.27%
Q4 FY22Q/Q Change
Total Assets
104.6B
↑ 3.77%
Total Liabilities
91.7B
↑ 4.49%
Q1 FY23Q/Q Change
Total Assets
107.9B
↑ 3.15%
Total Liabilities
14.9B
↓ 83.71%
Q2 FY23Q/Q Change
Total Assets
108.7B
↑ 0.78%
Total Liabilities
14.2B
↓ 4.71%
Q3 FY23Q/Q Change
Total Assets
112.9B
↑ 3.9%
Total Liabilities
15.2B
↑ 7.03%
Q4 FY23Q/Q Change
Total Assets
117.5B
↑ 4.02%
Total Liabilities
16.0B
↑ 4.93%
FY18Y/Y Change
Operating Cash Flow
9.3B
↑ 4.78%
Investing Cash Flow
-19.0B
↑ 102.3%
Financing Cash Flow
8.3B
↑ 197.41%
FY19Y/Y Change
Operating Cash Flow
9.0B
↓ 3.77%
Investing Cash Flow
-261.0M
↓ 98.63%
Financing Cash Flow
-6.5B
↓ 178.25%
FY20Y/Y Change
Operating Cash Flow
7.5B
↓ 16.72%
Investing Cash Flow
-498.0M
↑ 90.8%
Financing Cash Flow
-8.0B
↑ 24.36%
FY21Y/Y Change
Operating Cash Flow
7.1B
↓ 5.18%
Investing Cash Flow
-4.8B
↑ 866.67%
Financing Cash Flow
-5.2B
↓ 35.2%
FY22Y/Y Change
Operating Cash Flow
6.7B
↓ 5.71%
Investing Cash Flow
-10.2B
↑ 112.59%
Financing Cash Flow
5.3B
↓ 201.54%
Q3 FY22Q/Q Change
Operating Cash Flow
1.6B
↓ 10.07%
Investing Cash Flow
-4.1B
↑ 293.73%
Financing Cash Flow
4.8B
↓ 631.59%
Q4 FY22Q/Q Change
Operating Cash Flow
1.8B
↑ 13.04%
Investing Cash Flow
-6.9B
↑ 65.57%
Financing Cash Flow
2.4B
↓ 50.2%
Q1 FY23Q/Q Change
Operating Cash Flow
1.9B
↑ 2.11%
Investing Cash Flow
692.0M
↓ 110.09%
Financing Cash Flow
2.9B
↑ 22.35%
Q2 FY23Q/Q Change
Operating Cash Flow
1.9B
↑ 1.17%
Investing Cash Flow
-5.2B
↓ 849.86%
Financing Cash Flow
216.0M
↓ 92.58%
Q3 FY23Q/Q Change
Operating Cash Flow
2.5B
↑ 30.08%
Investing Cash Flow
-7.1B
↑ 36.15%
Financing Cash Flow
3.0B
↑ 1303.24%

Technicals Summary

Sell

Neutral

Buy

Synchrony Financial is currently in a favorable trading position ( BUY ) according to technical analysis indicators.

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
Synchrony Financial
Synchrony Financial
5.66%
25.57%
12.07%
-0.25%
26.04%
Paypal Holdings, Inc.
Paypal Holdings, Inc.
-6.13%
-2.55%
-19.56%
-77.77%
-38.82%
Capital One Financial Corporation
Capital One Financial Corporation
3.38%
33.54%
23.6%
8.87%
66.45%
American Express Co.
American Express Co.
15.47%
35.98%
23.13%
53.38%
100.65%
Mastercard Inc.
Mastercard Inc.
7.91%
19.05%
34.07%
28.88%
111.99%
Visa, Inc.
Visa, Inc.
4.4%
18.43%
29.17%
29.24%
94.17%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
Synchrony Financial
Synchrony Financial
7.77
7.77
1.78
5.61
0.17
0.02
0.02
32.37
Paypal Holdings, Inc.
Paypal Holdings, Inc.
15.4
15.4
0.48
4.68
0.21
0.04
NA
19.64
Capital One Financial Corporation
Capital One Financial Corporation
11.26
11.26
6.64
12.88
0.09
0.01
0.02
139.97
American Express Co.
American Express Co.
19.09
19.09
1.45
11.86
0.32
0.03
0.01
38.81
Mastercard Inc.
Mastercard Inc.
39.83
39.83
1.56
13.33
1.67
0.22
0.01
7.42
Visa, Inc.
Visa, Inc.
32.69
32.69
1.76
9.17
0.47
0.16
0.01
18.99
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
Synchrony Financial
Synchrony Financial
Buy
$16.4B
26.04%
7.77
29.21%
Paypal Holdings, Inc.
Paypal Holdings, Inc.
Buy
$63.4B
-38.82%
15.4
14.26%
Capital One Financial Corporation
Capital One Financial Corporation
Buy
$51.2B
66.45%
11.26
18.54%
American Express Co.
American Express Co.
Buy
$154.9B
100.65%
19.09
15.06%
Mastercard Inc.
Mastercard Inc.
Buy
$439.9B
111.99%
39.83
44.61%
Visa, Inc.
Visa, Inc.
Buy
$582.8B
94.17%
32.69
53.92%

Institutional Holdings

  • Vanguard Group Inc

    13.22%
  • Capital World Investors

    10.95%
  • BlackRock Inc

    9.68%
  • Bank of America Corp

    6.03%
  • State Street Corporation

    4.57%
  • Geode Capital Management, LLC

    2.27%

Corporate Announcements

  • Synchrony Financial Dividends March,2024

    In the quarter ending March,2024. Synchrony Financial has declared dividend of $0.25

    Read More

Company Information

synchrony financial is one of the premier consumer financial services companies in the united states. our roots in consumer finance trace back to 1932, and today we are the largest provider of private label credit cards in the united states based on purchase volume and receivables. we provide a range of credit products through programs we have established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers to help generate growth for our partners and offer financial flexibility to our customers. through our partners’ more than 300,000 locations across the united states and canada, and their websites and mobile applications, we offer our customers a variety of credit products to finance the purchase of goods and services. our offerings include private label credit cards, promotional financing and installment lending, loyalty programs and optimizer+plus branded fdic-insured sa

Organization
Synchrony Financial
Employees
20000
CEO
Mr. Brian D. Doubles
Industry
Finance

FAQs