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Financial Services - Financial - Credit Services - NYSE - US
$ 64.98
0.139 %
$ 25.3 B
Market Cap
8.44
P/E
1. INTRINSIC VALUE

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 stock under the base case scenario is HIDDEN Compared to the current market price of 65 USD, Synchrony Financial is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart SYF

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FINANCIALS
7.66 B REVENUE
-52.13%
3.74 B OPERATING INCOME
-31.26%
2.24 B NET INCOME
-25.80%
8.59 B OPERATING CASH FLOW
28.37%
-14.2 B INVESTING CASH FLOW
-39.09%
9.63 B FINANCING CASH FLOW
82.29%
3.81 B REVENUE
-21.99%
1.24 B OPERATING INCOME
-54.97%
789 M NET INCOME
22.71%
2.76 B OPERATING CASH FLOW
11.23%
-2.23 B INVESTING CASH FLOW
11.01%
-1.23 B FINANCING CASH FLOW
9.95%
Balance Sheet Decomposition Synchrony Financial
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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
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Revenue 7.66 B
Cost Of Revenue 0
Gross Profit 7.66 B
Operating Expenses 3.92 B
Operating Income 3.74 B
Other Expenses 1.5 B
Net Income 2.24 B
RATIOS
100.00% GROSS MARGIN
100.00%
48.81% OPERATING MARGIN
48.81%
29.21% NET MARGIN
29.21%
16.10% ROE
16.10%
1.91% ROA
1.91%
9.64% ROIC
9.64%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Synchrony Financial
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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
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Synchrony Financial
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Wall Street analysts predict an average 1-year price target for SYF of $53.6 , with forecasts ranging from a low of $40 to a high of $68 .
SYF Lowest Price Target Wall Street Target
40 USD -38.44%
SYF Average Price Target Wall Street Target
53.6 USD -17.53%
SYF Highest Price Target Wall Street Target
68 USD 4.65%
4. DIVIDEND ANALYSIS
0.61% DIVIDEND YIELD
0.25 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Synchrony Financial
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Sold
0-3 MONTHS
4.7 M USD 2
3-6 MONTHS
69.8 K USD 2
6-9 MONTHS
17.4 M USD 9
9-12 MONTHS
1.27 M USD 3
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
2 weeks ago
Nov 01, 2024
Sell 1.21 M USD
Howse Curtis
See remarks
- 21934
55.13 USD
2 months ago
Aug 19, 2024
Sell 3.49 M USD
Wenzel Brian J. Sr.
See remarks
- 74698
46.73 USD
3 months ago
Aug 01, 2024
Sell 47.3 K USD
Schaller Bart
See remarks
- 930
50.84 USD
3 months ago
Aug 01, 2024
Sell 22.5 K USD
Juel Carol
See remarks
- 443
50.84 USD
6 months ago
May 02, 2024
Sell 1.42 M USD
Howse Curtis
See remarks
- 31562
45 USD
8 months ago
Mar 15, 2024
Sell 265 K USD
Howse Curtis
See remarks
- 6179
42.82 USD
8 months ago
Mar 15, 2024
Sell 2.65 M USD
Schaller Bart
See remarks
- 61781
42.82 USD
8 months ago
Mar 05, 2024
Sell 2.46 M USD
DOUBLES BRIAN D
See remarks
- 59696
41.258 USD
8 months ago
Mar 05, 2024
Sell 3.09 M USD
DOUBLES BRIAN D
See remarks
- 75000
41.257 USD
8 months ago
Mar 05, 2024
Sell 1.46 M USD
MOTHNER JONATHAN S
See remarks
- 36000
40.5 USD
8 months ago
Mar 04, 2024
Sell 129 K USD
MELITO DAVID P
See remarks
- 3142
40.94 USD
8 months ago
Mar 05, 2024
Sell 592 K USD
Nalluswami Maran
See remarks
- 14624
40.5 USD
8 months ago
Mar 05, 2024
Sell 2.9 M USD
Juel Carol
See remarks
- 71496
40.5 USD
8 months ago
Mar 05, 2024
Sell 1.68 M USD
Casellas Alberto
See remarks
- 41513
40.5 USD
8 months ago
Mar 05, 2024
Sell 287 K USD
Casellas Alberto
See remarks
- 6956
41.25 USD
8 months ago
Mar 05, 2024
Sell 457 K USD
Wenzel Brian J. Sr.
See remarks
- 11281
40.5 USD
9 months ago
Feb 01, 2024
Sell 284 K USD
MELITO DAVID P
See remarks
- 7283
38.99 USD
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
Jun 15, 2022
Sell 2.1 M USD
KEANE MARGARET M
See remarks
- 70000
30.03 USD
2 years ago
Apr 18, 2022
Sell 44.6 K USD
MELITO DAVID P
See remarks
- 1116
40 USD
2 years ago
Mar 01, 2022
Sell 166 K USD
MELITO DAVID P
See remarks
- 4141
40 USD
2 years ago
Mar 01, 2022
Sell 800 K USD
MOTHNER JONATHAN S
See remarks
- 20000
40 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
7. News
Here's Why Synchrony (SYF) is a Strong Momentum Stock Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores. zacks.com - 2 days ago
Here's Why Synchrony (SYF) is a Strong Value Stock Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores. zacks.com - 5 days ago
Why Financial Stocks Like American Express, Synchrony Financial, and Huntington Bancshares Rocketed Higher Today The prospect of financial deregulation boosted many bank stocks today. fool.com - 1 week ago
Are You Looking for a Top Momentum Pick? Why Synchrony (SYF) is a Great Choice Does Synchrony (SYF) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 1 week ago
SYF vs. BAM: Which Stock Is the Better Value Option? Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Synchrony (SYF) and Brookfield Asset Management (BAM). But which of these two stocks offers value investors a better bang for their buck right now? zacks.com - 1 week ago
12 Stocks Win Big From Trump's White House Victory Donald Trump's return to the White House is making big winners out of some S&P 500 stocks. The post 12 Stocks Win Big From Trump's White House Victory appeared first on Investor's Business Daily. investors.com - 1 week ago
Are Investors Undervaluing Synchrony Financial (SYF) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 week ago
Fast-paced Momentum Stock Synchrony (SYF) Is Still Trading at a Bargain If you are looking for stocks that have gained strong momentum recently but are still trading at reasonable prices, Synchrony (SYF) could be a great choice. It is one of the several stocks that passed through our 'Fast-Paced Momentum at a Bargain' screen. zacks.com - 1 week ago
Buying Highly-Ranked Value Stocks in November and Beyond Today we show investors how to screen for stocks that offer the potentially winning combination of impressive value and improving earnings outlooks to buy in November and beyond. zacks.com - 1 week ago
Best Momentum Stock to Buy for October 30th SYF, VIRT and NTRS made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on October 30, 2024. zacks.com - 2 weeks ago
New Strong Buy Stocks for October 30th CLPR, VLRS, SYF, IX and PLXS have been added to the Zacks Rank #1 (Strong Buy) List on October 30, 2024. zacks.com - 2 weeks ago
JCPenney and Synchrony Extend Long-Term Financing Partnership with Multi-Year Contract Renewal Expanded Partnership Adds Buy Now, Pay Later Installment Loans to JCPenney Financing Options  STAMFORD, Conn. , Oct. 30, 2024 /PRNewswire/ -- Synchrony (NYSE: SYF) today announced a long-term extension of their nearly 25-year partnership with JCPenney. prnewswire.com - 2 weeks ago
8. Profile Summary

Synchrony Financial SYF

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 25.3 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 July 31, 2014
Employees 20000
Officers Mr. Brian J. Wenzel Sr. Executive Vice President & Chief Financial Officer 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 Ms. Amy Tiliakos Senior Vice President, Chief Accounting Officer & Controller Mr. Bart Schaller Executive Vice President & Chief Executive Officer of Digital Ms. Kathryn Harmon Miller Senior Vice President of Investor Relations Mr. DJ Casto Executive Vice President & Chief Human Resources Officer Mr. Curtis Howse Executive Vice President and Chief Executive Officer of Home & Auto Mr. Brian D. Doubles President, Chief Executive Officer & Director