Synchrony Financial

Synchrony Financial

SYF · NYSE · Financial Services / Credit Services

72.25USD+0.59 (+0.82%)

Price History

Full chart

Market Stats

Previous Close71.66
Open72.50
Day Range71.81 – 73.04
52-Week Range62.56 – 87.67
Volume6.96M
Market Cap24.52B
P/E (TTM)7.87
Forward P/E7.13
EPS9.58
Dividend Yield1.80%
Beta1.34
50-Day Avg75.10
200-Day Avg73.63

About

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It 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, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Brian D. Doubles
  • Employees20.00K
  • Headquarters777 Long Ridge Road, Stamford, CT, United States, 06902, USA
  • Websitehttps://www.synchrony.com

Leadership

  • Mr. Brian D. DoublesPresident, CEO & Director · b. 1976
  • Mr. Brian J. Wenzel Sr.Executive VP & CFO · b. 1968
  • Mr. Jonathan S. Mothner Esq., J.D.Executive VP and Chief Risk & Legal Officer · b. 1964
  • Ms. Carol D. JuelExecutive VP & CEO of Digital Platform · b. 1973
  • Mr. Curtis HowseExecutive VP and CEO of Home & Auto · b. 1964
  • Mr. D.J. CastoExecutive VP and Chief People & Operations Officer
  • Ms. Amy L. TiliakosSenior VP, Chief Accounting Officer & Controller · b. 1983
  • Mr. Florin ArghirescuExecutive VP & CTO
  • Ms. Kathryn Harmon MillerSenior Vice President & Director of Investor Relations
  • Mr. Alberto CasellasExecutive VP and CEO of Health & Wellness · b. 1967

Financials

Income Statement

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue8.21B8.81B9.44B10.15B10.88B12.22B13.76B15.15B15.60B12.83B11.22B13.20B17.34B20.76B19.12B
Growth (%)-+7.30%+7.16%+7.54%+7.19%+12.30%+12.59%+10.15%+2.96%-17.79%-12.50%+17.56%+31.40%+19.73%-7.91%
Cost of Revenue3.19B3.31B3.81B3.84B4.09B5.23B6.69B7.42B6.47B6.97B1.76B4.90B9.68B11.37B9.36B
Gross Profit5.02B5.50B5.63B6.31B6.79B6.99B7.07B7.74B9.13B5.85B9.47B8.30B7.66B9.39B9.76B
Gross Margin61.14%62.42%59.60%62.18%62.44%57.17%51.40%51.07%58.53%45.62%84.34%62.90%44.19%45.24%51.04%
Operating Expense2.01B2.12B2.48B2.93B3.26B3.42B3.75B4.09B4.25B4.05B3.96B4.34B4.76B4.84B5.13B
Operating Income3.01B3.38B3.14B3.39B3.53B3.57B3.32B3.64B4.89B1.80B5.50B3.96B2.90B4.55B4.62B
Operating Margin36.66%38.32%33.28%33.35%32.45%29.21%24.16%24.05%31.32%14.01%49.03%30.03%16.75%21.93%24.17%
EBITDA3.11B3.46B3.25B3.52B3.71B3.79B3.58B3.95B5.25B2.18B5.89B4.38B3.36B5.03B5.13B
EBITDA Margin37.83%39.27%34.39%34.64%34.05%31.01%26.01%26.04%33.67%17.00%52.50%33.20%19.39%24.25%26.86%
Net Income1.89B2.12B1.98B2.11B2.21B2.25B1.94B2.79B3.75B1.39B4.22B3.02B2.24B3.50B3.55B
Net Income Margin23.02%24.05%20.96%20.77%20.35%18.42%14.06%18.41%24.01%10.80%37.61%22.86%12.91%16.86%18.58%
R&D---000.290.240.240.310.140.490.30.17--
R&D as % of Total Revenue---0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense932.00M745.00M742.00M922.00M1.14B1.25B1.39B1.87B2.29B1.67B1.03B1.52B3.71B4.63B4.13B
Interest Expense % of Total Revenue11.35%8.46%7.86%9.08%10.43%10.21%10.11%12.34%14.68%12.98%9.19%11.53%21.40%22.32%21.63%

Balance Sheet

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-53.46B59.09B75.71B83.99B90.21B95.81B106.79B104.83B95.95B95.75B104.56B117.48B119.46B119.09B
Total Liabilities-48.88B53.13B65.23B71.39B76.01B81.57B92.11B89.74B83.25B82.09B91.69B103.58B102.88B102.33B
Total Equity-4.58B5.96B10.48B12.60B14.20B14.23B14.68B15.09B12.70B13.65B12.87B13.90B16.58B16.77B
Cash-1.33B2.32B11.83B12.32B9.32B11.60B9.40B12.15B11.52B8.34B10.29B14.26B14.71B14.97B
Total Debt-27.82B24.32B39.30B28.43B20.15B20.80B24.00B24.07B20.60B15.01B21.51B15.98B15.46B15.18B
Net Debt-26.48B22.00B15.63B12.02B10.83B9.20B14.60B7.72B4.25B6.17B3.90B1.72B751.00M209.00M

Cash Flow

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow5.52B5.64B5.68B5.34B6.18B6.82B8.92B9.34B8.99B7.49B7.10B6.69B8.59B9.85B9.85B
Investing Cash Flow-1.57B-6.45B-1.07B-10.07B-10.80B-13.32B-9.41B-19.04B-261.00M-498.00M-4.81B-10.23B-14.23B-8.90B-4.85B
Financing Cash Flow-2.98B962.00M-3.63B14.24B5.12B3.49B2.77B8.25B-6.46B-8.03B-5.20B5.28B9.63B-611.00M-4.74B
Capital Expenditure4.68B07.27B000000000000
Free Cash Flow838.00M5.64B-1.59B5.34B6.18B6.82B8.92B9.34B8.99B7.49B7.10B6.69B8.59B9.85B9.85B
Dividends Paid---214.00M214.00M214.00M446.00M534.00M581.00M562.00M542.00M476.00M448.00M470.00M510.00M
FCF to OCF15.19%100.00%-28.05%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%
Dividend Paid to FCF---4.01%3.46%3.14%5.00%5.72%6.46%7.51%7.63%7.11%5.21%4.77%5.18%

Earnings

Report DateSep 3, 2014Oct 17, 2014Jan 23, 2015Apr 17, 2015Jul 17, 2015Oct 16, 2015Jan 22, 2016Apr 22, 2016Jul 22, 2016Oct 21, 2016Jan 20, 2017Apr 28, 2017Jul 21, 2017Oct 20, 2017Jan 19, 2018Apr 20, 2018Jul 27, 2018Oct 19, 2018Jan 23, 2019Apr 18, 2019Jul 19, 2019Oct 18, 2019Jan 24, 2020Apr 21, 2020Jul 21, 2020Oct 20, 2020Jan 29, 2021Apr 27, 2021Jul 20, 2021Oct 19, 2021Jan 28, 2022Apr 18, 2022Jul 18, 2022Oct 25, 2022Jan 23, 2023Apr 19, 2023Jul 18, 2023Oct 24, 2023Jan 23, 2024Apr 24, 2024Jul 17, 2024Oct 16, 2024Jan 28, 2025Apr 22, 2025Jul 22, 2025Oct 15, 2025Jan 27, 2026Apr 21, 2026Jul 21, 2026Oct 20, 2026
EPS Estimate-0.670.600.640.620.660.630.690.540.670.670.740.570.640.640.760.820.800.930.900.961.131.070.660.200.690.861.381.361.461.411.541.381.391.121.451.261.440.951.371.371.821.921.651.792.212.022.162.082.48
EPS Actual0.670.700.640.660.650.690.650.700.580.730.700.610.610.700.700.830.920.911.091.000.971.221.100.450.060.631.241.732.121.671.341.771.601.471.261.351.321.481.181.181.551.941.911.892.502.862.182.272.592.68
Surprise-4.48%6.67%3.13%4.84%4.55%3.17%1.45%7.41%8.96%4.48%-17.57%7.02%9.38%9.38%9.21%12.20%13.75%17.20%11.11%1.04%7.96%2.80%-31.82%-70.00%-8.70%44.19%25.36%55.88%14.38%-4.96%14.94%15.94%5.76%12.50%-6.90%4.76%2.78%24.21%-13.87%13.14%6.59%-0.52%14.55%39.66%29.41%7.92%5.09%24.52%8.06%
Timing-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap24.52B
Enterprise Value26.31B
Trailing P/E7.87
Forward P/E7.13
PEG Ratio0.93
Price / Sales2.51
Price / Book1.64
EPS9.58
Book Value47.70
Revenue (TTM)9.78B
Gross Profit (TTM)9.78B
Profit Margin34.07%
Operating Margin49.84%
Return on Equity19.83%
Return on Assets2.78%
Shares Outstanding325.37M
Shares Float309.15M
Beta1.34
Dividend Yield1.80%
Dividend Rate1.36
Payout Ratio10.17%

Analyst Ratings

Buy
Based on 24 analystsTarget 87.54
  • Strong Buy
    11
  • Buy
    4
  • Hold
    9

Ownership Breakdown

Institutions
113.88%
Insiders
0.37%
Retail / Other
0.00%

Top Institutional Holders

  • BlackRock Inc
    30.89M9.49%
  • Vanguard Capital Management, LLC
    22.01M6.77%
  • Capital World Investors
    18.92M5.81%
  • Vanguard Portfolio Management, LLC
    18.09M5.56%
  • State Street Corp
    17.73M5.45%
  • Bank of America Corp
    14.77M4.54%
  • The Goldman Sachs Group Inc
    10.09M3.10%
  • Geode Capital Management, LLC
    9.85M3.03%
  • First Trust Advisors L.P.
    7.70M2.37%
  • Par Capital Management Inc
    7.61M2.34%
  • Harris Associates L.P.
    7.45M2.29%
  • Dimensional Fund Advisors, Inc.
    6.25M1.92%
  • Amvescap Plc.
    5.38M1.65%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    10.33M3.17%
  • American Funds American Balanced A
    9.38M2.88%
  • Vanguard 500 Index Investor
    8.54M2.63%
  • Vanguard MStar Mid Cap Index Instl
    6.97M2.14%
  • First Trust Rising Dividend Achiev ETF
    6.54M2.01%
  • American Funds Income Fd of Amer A
    6.08M1.87%
  • Oakmark Investor
    5.36M1.65%

Dividends

20264×
0.34Nov 5, 20260.34Aug 5, 20260.30May 5, 20260.30Feb 6, 2026
20254×
0.30Nov 5, 20250.30Aug 5, 20250.30May 5, 20250.25Feb 3, 2025
20244×
0.25Nov 4, 20240.25Aug 5, 20240.25May 3, 20240.25Feb 2, 2024
20234×
0.25Oct 31, 20230.25Jul 28, 20230.23May 1, 20230.23Feb 3, 2023
20224×
0.23Oct 31, 20220.23Jul 29, 20220.22Apr 29, 20220.22Feb 9, 2022
20214×
0.22Oct 29, 20210.22Jul 30, 20210.22Apr 30, 20210.22Feb 4, 2021