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Synchrony Financial SYF SPX

Financial Services · Credit Services · United States
https://www.synchrony.com

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It 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, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

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$71.44
+25.99% 1Y

Market & Price

Market Cap
$24.03B
Current Price
$71.44
High / Low (52W)
$87.76 / $56.51
Beta
1.36

Valuation

Stock P/E
7.40
Industry PE
12.01
Forward P/E
6.82
PEG Ratio
2.08
Book Value
$45.27
Price to Book
1.58
P/S
2.43
EV/EBITDA
-
Dividend Yield
1.68%

Profitability & Returns

ROCE
-
ROE
21.78%
ROA
2.96%
Profit Margin
36.39%
Op Margin
48.03%
EPS (Latest Qtr)
$2.27
EPS (TTM)
$9.66

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$16.43B
Total Assets
$119.09B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.35%
Chg in Prom Hold
-
FII / Inst Holding
107.70%
Chg in FII Hold
0.04%

Financial Snapshot

Enterprise Value
$21.16B
Total Revenue (TTM)
$9.89B
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$9.83B
Shares Outstanding
336.37M
Gross Margin
0.00%
Payout Ratio
12.42%

Growth (CAGR)

Revenue 5Y
8.67%
Profit 5Y
5.60%
Revenue (YoY)
6.10%
Earnings (YoY)
20.10%

PROS

  • Strong return on equity of 21.8%.
  • Excellent profit margin of 36.4%.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SYF Synchrony Financial SPX 71.44 7.40 $24.03B 1.68% - 21.78% 8.67% 5.60%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------3.72B3.65B3.82B3.79B3.70B
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------1.09B1.06B1.01B973.00M968.00M
Pretax Income -----------------------------------984.00M1.26B1.43B952.00M1.05B
Tax Provision -----------------------------------227.00M289.00M352.00M201.00M242.00M
Net Income 552.00M541.00M574.00M547.00M582.00M489.00M604.00M576.00M499.00M496.00M555.00M385.00M640.00M696.00M671.00M783.00M1.11B853.00M1.06B731.00M286.00M48.00M313.00M1.02B1.24B1.14B932.00M804.00M703.00M601.00M569.00M628.00M1.29B643.00M789.00M757.00M967.00M1.08B751.00M805.00M
Diluted EPS 0.660.650.690.650.700.580.730.700.610.610.700.490.830.920.911.091.561.241.601.150.450.060.521.732.122.001.771.601.471.351.321.483.141.551.941.892.502.862.042.27

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ----------11.67B13.63B15.06B14.98B
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses --------------
Operating Income --------------
EBITDA --------------
Interest Expense ----------1.52B3.71B4.63B4.13B
Pretax Income ----------3.96B2.90B4.55B4.62B
Tax Provision ----------946.00M666.00M1.05B1.07B
Net Income 2.12B1.98B2.11B2.21B2.25B1.94B2.79B3.75B1.39B4.22B3.02B2.24B3.50B3.55B
Diluted EPS 3.002.812.782.652.712.423.745.562.277.346.155.198.559.28

Compounded Sales Growth

5 Years:8.67%
1 Year:6.10%

Compounded Profit Growth

5 Years:5.60%
1 Year:20.10%

Stock Price Performance

1 Year:+25.99%
6 Months:-5.87%
3 Months:+3.79%
1 Month:-4.51%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --59.09B75.71B83.99B90.21B95.81B106.79B104.83B95.95B-104.56B117.48B119.46B119.09B
Current Assets ---------------
Cash & Equivalents 1.19B1.33B2.32B11.83B12.32B9.32B11.60B9.40B12.15B11.52B-10.29B14.26B14.71B14.97B
Inventory ---------------
Receivables ---------------
Total Liabilities --53.12B65.23B71.39B76.01B81.57B92.11B89.74B83.25B-91.69B103.58B102.88B102.33B
Current Liabilities ---------------
Long Term Debt ----24.28B20.15B20.80B24.00B19.87B15.78B-14.19B15.98B15.46B15.18B
Total Debt -----------14.19B15.98B15.46B15.18B
Total Equity 4.33B4.58B5.96B10.48B12.60B14.20B14.23B14.68B15.09B12.70B-12.87B13.90B16.58B16.77B
Shares Outstanding -----------833.98M833.98M833.98M834.40M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 5.64B5.68B5.34B6.18B6.51B8.57B9.34B8.99B7.49B-6.69B8.59B9.85B9.85B
Investing Cash Flow -6.45B-1.07B-10.07B-10.80B-13.36B-9.54B-19.04B-261.00M-498.00M--10.23B-14.23B-8.90B-4.85B
Financing Cash Flow 962.00M-3.63B14.24B5.12B3.81B3.12B8.25B-6.46B-8.03B-5.28B9.63B-611.00M-4.74B
Capital Expenditure --------------
Free Cash Flow ----------6.69B8.59B9.85B9.85B
Net Change in Cash ----------1.74B3.99B334.00M262.00M
Share Buybacks --00476.00M1.50B1.87B3.62B985.00M2.88B3.32B1.11B1.01B2.94B

Ratios (Annual)

Figures in %.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % --------------
Operating Margin % --------------
Net Margin % ----------25.8%16.4%23.2%23.7%
ROE % 46.2%33.2%20.1%17.6%15.9%13.6%19.0%24.8%10.9%-23.4%16.1%21.1%21.2%
ROCE % --------------

Shareholding Pattern

Insiders
0.35%
Institutions
107.70%
Public Float
108.08%

Top Institutional Holders

#Holder% HeldSharesValue
1 Capital World Investors 10.05% 33.80M $2.41B
2 Blackrock Inc. 9.06% 30.48M $2.18B
3 Vanguard Capital Management LLC 6.72% 22.60M $1.61B
4 Vanguard Portfolio Management LLC 5.50% 18.50M $1.32B
5 State Street Corporation 5.27% 17.72M $1.27B
6 Bank of America Corporation 4.78% 16.06M $1.15B
7 Geode Capital Management, LLC 2.96% 9.95M $710.74M
8 Goldman Sachs Group Inc 2.85% 9.59M $685.43M
9 Par Capital Management Inc 2.26% 7.61M $543.81M
10 Dimensional Fund Advisors LP 1.80% 6.04M $431.48M

Analyst View

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