Synchrony Financial (SYF)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $bn | 13 | 11 | 13 | 17 | 21 | 19 | 19 | 15 |
| Operating profit | $bn | 5 | 5 | ||||||
| Net profit | $bn | 1 | 4 | 3 | 2 | 3 | 4 | 4 | 3 |
| EPS reported | $ | 9.29 | 9.76 | ||||||
| Operating cashflow per share | $ | 27.53 | 29.26 | ||||||
| Capex per share | $ | 0.00 | 0.00 | ||||||
| FCF per share | $ | 27.53 | 29.26 | ||||||
| Free cash flow | $bn | 10 | 10 | ||||||
| Net debt | $bn | -2 | 0 | ||||||
| Book value equity | $bn | 17 | 17 | ||||||
| Book value per share | $ | 46.85 | 50.57 | ||||||
| Number of shares | m | 357.84 | 334.1 | ||||||
| DPS (TTM paid) | $ | 1.15 | 1.24 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.98 | 7.47 | ||||||
| P/B LTM | x | 1.78 | 1.77 | ||||||
| P/S LTM | x | 1.56 | 1.57 | ||||||
| P/FCF LTM | x | 3.03 | 3.08 | ||||||
| EV/EBITDA LTM | x | 5.85 | 5.82 | ||||||
| EV/Sales LTM | x | 1.57 | 1.29 | ||||||
| Earnings Yield LTM | % | +11.14% | +13.39% | ||||||
| FCF Yield | % | +33.00% | +32.47% | ||||||
| Quality | |||||||||
| ROE | % | +21.19% | +20.94% | ||||||
| ROIC | % | +9.36% | +2.93% | ||||||
| Operating margin | % | +24.17% | +23.57% | ||||||
| Gross margin | % | +51.04% | +68.30% | ||||||
| FCF/Sales | % | +51.53% | +48.72% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +8.65% | +14.15% | ||||||
| Sales Growth YoY | % | -7.91% | -8.67% | ||||||
| Net Income Growth YoY | % | +1.51% | +0.54% | ||||||
| FCF Growth | % | +0.03% | -1.56% | ||||||
| Operating Profit Growth | % | +1.49% | +1.34% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.71% | +1.59% | ||||||
| Dividend Growth | % | +15.00% | +24.00% | ||||||
| Payout Ratio | % | +15.34% | +14.54% | ||||||
| FCF/Debt | x | 0.65 | 0.59 | ||||||
| Net Debt/EBITDA | x | 0.04 | 0.05 | ||||||
| EBIT/Net interest | x | 1.12 | 1.48 | ||||||
| Net debt/market cap | % | +50.85% | +64.69% | ||||||
| Net debt/Equity | x | -0.13 | 0.01 | ||||||
| Gross debt/equity | x | 0.91 | 0.97 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free