Synchrony (SYF) Financial Analysis & Valuation | Quarter Chart
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, ... more
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services compa... more
Company facts
Reported company information and share structure.
Company
Share structure
| Market Cap | $23.96B | Exchange | NYSE |
| Sector | Financial Services | Industry | Financial - Credit Services |
| Country | US | CEO | Brian D. Doubles |
| IPO Date | 2014-07-31 | CAGR | 6.22% |
| Employees | 20,000 | Website | www.synchrony.com |
| Div. Yield | 1.64% | Payout Ratio | 15% |
| Buy Back Yield | 14.66% | Total Yield | 16.3% |
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Key metrics
Reported fundamentals and market-derived technical indicators.
Fundamentals
Technicals
| EV | $23.78B | P/E | 7.59 | Forward P/E | 7.02 | PEG | 1.6 |
| P/S | 1.31 | P/B | 1.46 | P/CF | 2.49 | P/FCF | 2.54 |
| Sales | $18.92B | Sales 1Y | -1.8% | Sales 3Y | 16.15% | Sales 5Y | 67.47% |
| EPS | $9.7 | EPS 1Y | 4.59% | EPS 3Y | 77.08% | EPS 5Y | 35.12% |
| Sales QoQ | 2.22% | EPS QoQ | 3.47% | Sales QoQ Avg | -0.18% | EPS QoQ Avg | 0.04% |
| Gross Margin | 51.7% | Operating Margin | 23.07% | Profit Margin | 17.61% | ROCE | 3.56% |
| ROA | 3% | ROE | 20% | Altman Z Score | 0.87 | Piotroski Score | 5 |
| Current Ratio | — | Quick Ratio | — | Cash Ratio | — | Op. CF Ratio | — |
| Debt/Equity | 1.03 | Debt/Assets | 0.14 | Lt Debt/Equity | 1.03 | Lt Debt/Cap. | 0.51 |
| Intrst Cov. | 1.12 | Inventory Turnover | — | Asset Turnover | 0.15 | Receivables Turnover | — |
| Enterprise Value | $23.78B | P/E Ratio | 7.59 |
| Forward P/E | 7.02 | PEG Ratio | 1.6 |
| P/S Ratio | 1.31 | P/B Ratio | 1.46 |
| P/CF Ratio | 2.49 | P/FCF Ratio | 2.54 |
| EPS | $9.7 | EPS Growth 1Y | 4.59% |
| EPS Growth 3Y | 77.08% | EPS Growth 5Y | 35.12% |
| Revenue Growth 1Y | -1.8% | Gross Margin | 51.7% |
| Operating Margin | 23.07% | Profit Margin | 17.61% |
| ROE | 20% | ROA | 3% |
| ROCE | 3.56% | Current Ratio | — |
| Quick Ratio | — | Cash Ratio | — |
| Debt/Equity | 1.03 | Interest Coverage | 1.12 |
| Altman Z Score | 0.87 | Piotroski Score | 5 |
Synchrony (SYF) valuation & financials
Synchrony (SYF) has a market capitalization of $23.96B and trades at a price-to-earnings ratio of 7.6. It operates in the Financial Services sector (Financial - Credit Services).
Synchrony's revenue grew -1.8% over the last year.
Synchrony's next earnings report is scheduled for January 26, 2027 before market open (provider scheduled date); analysts estimate EPS of $2.00. Check the earnings calendar to see all companies reporting this week.
Compare with other Financial Services companies: Berkshire Hathaway (BRK-B) · JPMorgan Chase (JPM) · Visa (V) · Mastercard (MA) · ICBC (1398.HK) · Agricultural Bank of China (601288.SS)