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Financial Services - Financial - Credit Services - NYSE - US
$ 16.67
-2.17 %
$ 6.48 B
Market Cap
2.26
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SYF-PA stock under the worst case scenario is HIDDEN Compared to the current market price of 16.7 USD, Synchrony Financial is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SYF-PA stock under the base case scenario is HIDDEN Compared to the current market price of 16.7 USD, Synchrony Financial is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SYF-PA stock under the best case scenario is HIDDEN Compared to the current market price of 16.7 USD, Synchrony Financial is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart SYF-PA

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$21.5$21.5$21.0$21.0$20.5$20.5$20.0$20.0$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.0$17.5$17.5$17.0$17.0$16.5$16.515 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
9.39 B REVENUE
22.58%
5.26 B OPERATING INCOME
43.52%
3.5 B NET INCOME
56.34%
9.85 B OPERATING CASH FLOW
14.60%
-8.9 B INVESTING CASH FLOW
37.45%
-611 M FINANCING CASH FLOW
-6.34%
3.8 B REVENUE
-0.34%
973 M OPERATING INCOME
-21.28%
774 M NET INCOME
-1.90%
2.35 B OPERATING CASH FLOW
-14.84%
-4.96 B INVESTING CASH FLOW
-122.46%
-617 M FINANCING CASH FLOW
49.88%
Balance Sheet Synchrony Financial
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Current Assets 17.8 B
Cash & Short-Term Investments 17.8 B
Receivables 0
Other Current Assets 0
Non-Current Assets 102 B
Long-Term Investments 105 B
PP&E 0
Other Non-Current Assets -3.05 B
14.89 %87.66 %Total Assets$119.5b
Current Liabilities 82.1 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 82.1 B
Non-Current Liabilities 20.8 B
Long-Term Debt 15.5 B
Other Non-Current Liabilities 5.36 B
79.76 %15.03 %5.21 %Total Liabilities$102.9b
EFFICIENCY
Earnings Waterfall Synchrony Financial
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Revenue 9.39 B
Cost Of Revenue 0
Gross Profit 9.39 B
Operating Expenses 1.46 B
Operating Income 5.26 B
Other Expenses 1.76 B
Net Income 3.5 B
10b10b9b9b8b8b7b7b6b6b5b5b4b4b3b3b2b2b1b1b009b09b(1b)5b(2b)3bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
55.97% OPERATING MARGIN
55.97%
37.26% NET MARGIN
37.26%
21.10% ROE
21.10%
2.93% ROA
2.93%
10.80% ROIC
10.80%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Synchrony Financial
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10b10b9b9b8b8b7b7b6b6b5b5b4b4b3b3b2b2b1b1b0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 3.5 B
Depreciation & Amortization 481 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital -205 M
Others 5.93 B
Free Cash Flow 9.85 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Synchrony Financial
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SYF-PA has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.47% DIVIDEND YIELD
0.352 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.600001.600001.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.355470.351560.351560.351560.351560.351560.351560.351560.351560.351560.351560.351560.351560.351560.351560.351560.351561.410.351561.410.351561.410.351561.410.351561.410.35202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Synchrony Financial
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
8. Profile Summary

Synchrony Financial SYF-PA

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 6.48 B
Dividend Yield 0.47%
Description 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.
Contact 777 Long Ridge Road, Stamford, CT, 06902 https://www.synchrony.com
IPO Date Nov. 7, 2019
Employees 20000
Officers Mr. Brian J. Wenzel Sr. Executive Vice President & Chief Financial Officer Mr. D.J. Casto Executive Vice President & Chief Human Resources Officer Mr. Jonathan S. Mothner Esq., J.D. Executive Vice President & Chief Risk and Legal Officer Ms. Carol D. Juel Executive Vice President and Chief Technology & Operating Officer Ms. Amy Tiliakos Senior Vice President, Chief Accounting Officer & Controller Ms. Kathryn Harmon Miller Senior Vice President of Investor Relations Mr. Alberto Casellas Executive Vice President and Chief Executive Officer of Health & Wellness Mr. Bart Schaller Executive Vice President & Chief Executive Officer of Digital Mr. Brian D. Doubles President, Chief Executive Officer & Director Mr. Curtis Howse Executive Vice President and Chief Executive Officer of Home & Auto