Financial Services - Financial - Credit Services - NYSE - US
$ 20.48
0.887 %
$ 25.5 B
Market Cap
2.77
P/E
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.[ Read More ]
The intrinsic value of one SYF-PA stock under the base case scenario is HIDDEN Compared to the current market price of 20.5 USD, Synchrony Financial is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart SYF-PA
FINANCIALS
7.66 B
REVENUE
3.66 B
OPERATING INCOME
2.24 B
NET INCOME
8.59 B
OPERATING CASH FLOW
-14.2 B
INVESTING CASH FLOW
9.63 B
FINANCING CASH FLOW
3.81 B
REVENUE
1.24 B
OPERATING INCOME
789 M
NET INCOME
2.76 B
OPERATING CASH FLOW
-2.23 B
INVESTING CASH FLOW
-1.23 B
FINANCING CASH FLOW
Balance Sheet Decomposition
Synchrony Financial
| Current Assets | 14.3 B |
| Cash & Short-Term Investments | 14.3 B |
| Receivables | 0 |
| Other Current Assets | 0 |
| Non-Current Assets | 107 B |
| Long-Term Investments | 3.8 B |
| PP&E | 0 |
| Other Non-Current Assets | 103 B |
| Current Liabilities | 0 |
| Accounts Payable | 31 M |
| Short-Term Debt | 0 |
| Other Current Liabilities | -31 M |
| Non-Current Liabilities | 104 B |
| Long-Term Debt | 16 B |
| Other Non-Current Liabilities | 87.6 B |
EFFICIENCY
Earnings Waterfall
Synchrony Financial
| Revenue | 7.66 B |
| Cost Of Revenue | 0 |
| Gross Profit | 7.66 B |
| Operating Expenses | 3.92 B |
| Operating Income | 3.66 B |
| Other Expenses | 1.42 B |
| Net Income | 2.24 B |
RATIOS
100.00%
GROSS MARGIN
47.81%
OPERATING MARGIN
29.21%
NET MARGIN
16.10%
ROE
1.91%
ROA
9.45%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Synchrony Financial
| Net Income | 2.24 B |
| Depreciation & Amortization | 458 M |
| Capital Expenditures | 0 |
| Stock-Based Compensation | 0 |
| Change in Working Capital | -345 M |
| Others | 7 B |
| Free Cash Flow | 8.59 B |
Wall Street Analysts Price Targets
Synchrony Financial
SYF-PA has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.61%
DIVIDEND YIELD
0.352 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Synchrony Financial
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
983 K USD 2
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
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
11 months ago
Dec 14, 2023
|
Sell 197 K USD
|
Juel Carol
See remarks |
- 5173
|
38 USD |
|
11 months ago
Dec 14, 2023
|
Sell 87.7 K USD
|
Schaller Bart
See remarks |
- 2322
|
37.75 USD |
|
11 months ago
Dec 13, 2023
|
Sell 407 K USD
|
Schaller Bart
See remarks |
- 11070
|
36.75 USD |
|
11 months ago
Dec 14, 2023
|
Sell 86.5 K USD
|
Schaller Bart
See remarks |
- 2322
|
37.25 USD |
|
11 months ago
Dec 12, 2023
|
Sell 19.2 K USD
|
Juel Carol
See remarks |
- 533
|
36 USD |
|
11 months ago
Dec 13, 2023
|
Sell 186 K USD
|
Juel Carol
See remarks |
- 5023
|
37 USD |
|
1 year ago
Aug 09, 2023
|
Sell 526 K USD
|
MELITO DAVID P
See remarks |
- 15015
|
35 USD |
|
1 year ago
Aug 01, 2023
|
Sell 862 K USD
|
DOUBLES BRIAN D
See remarks |
- 25000
|
34.5 USD |
|
1 year ago
Mar 03, 2023
|
Sell 401 K USD
|
Schaller Bart
See remarks |
- 11071
|
36.25 USD |
|
1 year ago
Mar 03, 2023
|
Sell 162 K USD
|
Juel Carol
See remarks |
- 4490
|
36.16 USD |
|
1 year ago
Mar 02, 2023
|
Sell 134 K USD
|
Nalluswami Maran
See remarks |
- 3768
|
35.48 USD |
|
1 year ago
Mar 02, 2023
|
Sell 2.5 M USD
|
Wenzel Brian J. Sr.
See remarks |
- 70434
|
35.48 USD |
|
1 year ago
Mar 02, 2023
|
Sell 532 K USD
|
MOTHNER JONATHAN S
See remarks |
- 15000
|
35.48 USD |
|
1 year ago
Feb 27, 2023
|
Sell 1.43 M USD
|
Casellas Alberto
See remarks |
- 39460
|
36.14 USD |
|
1 year ago
Feb 27, 2023
|
Sell 1 M USD
|
Juel Carol
See remarks |
- 27804
|
36.14 USD |
|
1 year ago
Feb 27, 2023
|
Sell 482 K USD
|
Nalluswami Maran
See remarks |
- 13350
|
36.14 USD |
|
1 year ago
Nov 28, 2022
|
Sell 2.5 M USD
|
KEANE MARGARET M
See remarks |
- 68369
|
36.5 USD |
|
2 years ago
Nov 11, 2022
|
Sell 1.25 M USD
|
Juel Carol
See remarks |
- 31303
|
40 USD |
|
2 years ago
Nov 11, 2022
|
Sell 1.02 M USD
|
Schaller Bart
See remarks |
- 25900
|
39.2 USD |
|
2 years ago
Nov 10, 2022
|
Sell 44.2 K USD
|
MELITO DAVID P
See remarks |
- 1162
|
38 USD |
|
2 years ago
Mar 01, 2022
|
Sell 667 K USD
|
Casellas Alberto
See remarks |
- 15702
|
42.47 USD |
|
3 years ago
Jan 27, 2021
|
Sell 431 K USD
|
MELITO DAVID P
See remarks |
- 9351
|
46.05 USD |
|
3 years ago
Sep 01, 2021
|
Sell 1.96 M USD
|
Casellas Alberto
See remarks |
- 39977
|
49.09 USD |
|
3 years ago
Sep 01, 2021
|
Sell 5.8 M USD
|
KEANE MARGARET M
See remarks |
- 118087
|
49.09 USD |
|
3 years ago
Sep 01, 2021
|
Sell 1.36 M USD
|
KEANE MARGARET M
See remarks |
- 27660
|
49.18 USD |
|
3 years ago
Sep 01, 2021
|
Sell 267 K USD
|
MOTHNER JONATHAN S
See remarks |
- 5435
|
49.09 USD |
|
3 years ago
Sep 01, 2021
|
Sell 982 K USD
|
MOTHNER JONATHAN S
See remarks |
- 20000
|
49.09 USD |
|
3 years ago
Sep 01, 2021
|
Sell 627 K USD
|
QUINDLEN THOMAS M
See remarks |
- 12771
|
49.09 USD |
|
3 years ago
Sep 01, 2021
|
Sell 1.57 M USD
|
QUINDLEN THOMAS M
See remarks |
- 31960
|
49.09 USD |
|
3 years ago
Sep 01, 2021
|
Sell 582 K USD
|
Howse Curtis
See remarks |
- 11852
|
49.09 USD |
|
3 years ago
Sep 01, 2021
|
Sell 491 K USD
|
Howse Curtis
See remarks |
- 10000
|
49.09 USD |
|
3 years ago
Sep 01, 2021
|
Sell 664 K USD
|
Whynott Paul
See remarks |
- 13527
|
49.09 USD |
|
3 years ago
Sep 01, 2021
|
Sell 712 K USD
|
GREIG HENRY F
See remarks |
- 14512
|
49.09 USD |
|
3 years ago
Jun 28, 2021
|
Sell 432 K USD
|
Juel Carol
See remarks |
- 8708
|
49.63 USD |
|
3 years ago
Jun 28, 2021
|
Sell 1.49 M USD
|
Schaller Bart
See remarks |
- 29985
|
49.63 USD |
|
3 years ago
Jun 28, 2021
|
Sell 558 K USD
|
Schaller Bart
See remarks |
- 11242
|
49.63 USD |
|
3 years ago
Apr 05, 2021
|
Sell 93 K USD
|
MELITO DAVID P
See remarks |
- 2205
|
42.16 USD |
|
3 years ago
Mar 01, 2021
|
Sell 4.95 M USD
|
QUINDLEN THOMAS M
See remarks |
- 124307
|
39.8 USD |
|
3 years ago
Mar 01, 2021
|
Sell 796 K USD
|
QUINDLEN THOMAS M
See remarks |
- 20000
|
39.8 USD |
|
3 years ago
Mar 01, 2021
|
Sell 1.63 M USD
|
Wenzel Brian J. Sr.
See remarks |
- 40864
|
39.8 USD |
|
3 years ago
Mar 01, 2021
|
Sell 195 K USD
|
Wenzel Brian J. Sr.
See remarks |
- 4935
|
39.46 USD |
|
3 years ago
Mar 01, 2021
|
Sell 542 K USD
|
Wenzel Brian J. Sr.
See remarks |
- 13734
|
39.46 USD |
|
3 years ago
Mar 01, 2021
|
Sell 1.38 M USD
|
GREIG HENRY F
See remarks |
- 35000
|
39.46 USD |
|
3 years ago
Mar 01, 2021
|
Sell 2.12 M USD
|
KEANE MARGARET M
See remarks |
- 53205
|
39.87 USD |
|
3 years ago
Mar 01, 2021
|
Sell 3.92 M USD
|
KEANE MARGARET M
See remarks |
- 98218
|
39.87 USD |
|
3 years ago
Mar 01, 2021
|
Sell 2.94 M USD
|
Howse Curtis
See remarks |
- 73879
|
39.8 USD |
|
3 years ago
Mar 01, 2021
|
Sell 195 K USD
|
Howse Curtis
See remarks |
- 4907
|
39.8 USD |
|
3 years ago
Mar 02, 2021
|
Sell 200 K USD
|
Howse Curtis
See remarks |
- 5028
|
39.83 USD |
|
3 years ago
Mar 01, 2021
|
Sell 395 K USD
|
MOTHNER JONATHAN S
See remarks |
- 10000
|
39.46 USD |
|
3 years ago
Mar 01, 2021
|
Sell 796 K USD
|
MOTHNER JONATHAN S
See remarks |
- 20000
|
39.8 USD |
|
3 years ago
Mar 01, 2021
|
Sell 801 K USD
|
Casellas Alberto
See remarks |
- 20292
|
39.46 USD |
|
3 years ago
Mar 01, 2021
|
Sell 849 K USD
|
Casellas Alberto
See remarks |
- 21521
|
39.46 USD |
|
3 years ago
Mar 02, 2021
|
Sell 394 K USD
|
Casellas Alberto
See remarks |
- 9882
|
39.83 USD |
|
3 years ago
Mar 01, 2021
|
Sell 105 K USD
|
Whynott Paul
See remarks |
- 2669
|
39.46 USD |
|
3 years ago
Mar 01, 2021
|
Sell 476 K USD
|
Whynott Paul
See remarks |
- 11959
|
39.8 USD |
|
3 years ago
Mar 02, 2021
|
Sell 233 K USD
|
Whynott Paul
See remarks |
- 5852
|
39.83 USD |
|
3 years ago
Jan 28, 2021
|
Sell 165 K USD
|
MELITO DAVID P
See remarks |
- 4737
|
34.83 USD |
|
4 years ago
Nov 16, 2020
|
Sell 1.08 M USD
|
GREIG HENRY F
See remarks |
- 35000
|
31 USD |
7. News
8. Profile Summary
Synchrony Financial SYF-PA
COUNTRY
US
INDUSTRY
Financial - Credit Services
MARKET CAP
$ 25.5 B
Dividend Yield
0.61%
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
Ms. Kathryn Harmon Miller
Senior Vice President of Investor Relations
Ms. Amy Tiliakos
Senior Vice President, Chief Accounting Officer & Controller
Mr. Brian D. Doubles
President, Chief Executive Officer & Director
Mr. Brian J. Wenzel Sr.
Executive Vice President & Chief Financial Officer
Mr. Curtis Howse
Executive Vice President and Chief Executive Officer of Home & Auto
Mr. Alberto Casellas
Executive Vice President and Chief Executive Officer of Health & Wellness
Ms. Carol D. Juel
Executive Vice President and Chief Technology & Operating Officer
Mr. Jonathan S. Mothner Esq.
Executive Vice President & Chief Risk and Legal Officer
Mr. DJ Casto
Executive Vice President & Chief Human Resources Officer
Mr. Bart Schaller
Executive Vice President & Chief Executive Officer of Digital