Synchrony Financial(SYF) Stock Research - Grey Stern Research
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Synchrony Financial (SYF) Stock Analysis

$51.03 (4.38%)

SYF Financial Performance


Use the table below to view Synchrony Financial's financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q2 - 2024

Metric Value Ranking among Peers
Price $48.89 -
52 Week Low $27.30 -
52 Week High $52.67 -
Market Cap $19.3 Billion 7/13
Gross Margin 79% 7/13
Profit Margin 13% 5/13
EBITDA margin 58% 4/13
Q2 - 2024 Revenue $4.9 Billion 7/13
Q2 - 2024 Earnings $643.0 Million 5/13
Q2 - 2024 Free Cash Flow $2.5 Million 5/13
Trailing 4 Quarters Revenue $19.9 Billion 6/13
Trailing 4 Quarters Earnings $3.0 Billion 5/13
Quarterly Earnings Growth 13% 7/13
Annual Earnings Growth 27% 4/13
Quarterly Revenue Growth 48% 5/13
Annual Revenue Growth 27% 5/13
Cash On Hand $18.6 Billion 2/13
Short Term Debt $2.0 Billion 4/13
Long Term Debt $13.7 Billion 9/13

Synchrony Financial Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Synchrony Financial's metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 6.43 12/13
PS 0.97 10/13
PB 1.24 6/13
PC 1.04 7/13
Liabilities to Equity 6.75 6/13
ROA 0.02 5/13
ROE 0.19 4/13
Current Ratio 1.15 7/13
Quick Ratio 0.18 6/13
Long Term Debt to Equity 0.88 7/13
Debt to Equity 1.01 7/13
Burn Rate 46.90 1/13
Cash to Cap 0.96 4/13
CCR 3.86 3/13
EV to EBITDA 5.78 11/13
EV to Revenue 0.82 9/13

Company Details

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.

CEO: Ms. Margaret Keane

Website: https://www.synchrony.com

Address: 777 Long Ridge Rd Stamford, CONNECTICUT

Exchange: New York Stock Exchange

Industry: Credit Services

Synchrony Financial Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Synchrony Financial. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
American Express Company AXP $191.1 Billion
Visa Inc. V $563.8 Billion
Mastercard Incorporated MA $451.9 Billion
LendingClub Corporation LC $1.3 Billion
Navient Corporation NAVI $1.8 Billion
Ally Financial Inc. ALLY $10.7 Billion
Capital One Financial Corporation COF $58.4 Billion
Discover Financial Services DFS $36.1 Billion
MoneyGram International, Inc. MGI $1.1 Billion
FirstCash Holdings, Inc FCFS $5.3 Billion
Green Dot Corporation GDOT $670.9 Million
ORIX Corporation IX $27.8 Billion
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
SYF Income Statements
Quarter Year Revenue Earnings
Q2 2024 $ 4.9 Billion $643.0 Million
Q1 2024 $ 6.0 Billion $1.3 Billion
Q4 2023 $ 3.7 Billion $440.0 Million
Q3 2023 $ 5.4 Billion $628.0 Million
Q2 2023 $ 3.3 Billion $569.0 Million
Q1 2023 $ 4.1 Billion $601.0 Million
Q4 2022 $ 4.1 Billion $577.0 Million
Q3 2022 $ 4.3 Billion $692.0 Million

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SYF Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q2 2024 $18.6 Billion $120.5 Billion $15.6 Billion $15.5 Billion
Q1 2024 $20.0 Billion $121.2 Billion $16.1 Billion $15.3 Billion
Q4 2023 $14.3 Billion $117.5 Billion $16.0 Billion $13.9 Billion
Q3 2023 $15.6 Billion $112.9 Billion $0 $13.8 Billion
Q2 2023 $12.7 Billion $108.7 Billion $14.2 Billion $13.4 Billion
Q1 2023 $15.3 Billion $107.9 Billion $14.9 Billion $13.2 Billion
Q4 2022 $10.3 Billion $104.6 Billion $14.2 Billion $12.9 Billion
Q3 2022 $11.5 Billion $98.7 Billion $7.1 Billion $18.5 Billion

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SYF Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q2 2024 $2.5 Billion $0 -$1.4 Billion
Q1 2024 $2.2 Billion $0 $5.7 Billion
Q4 2023 $2.3 Billion $0 -$1.4 Billion
Q3 2023 $0 $0 $0
Q2 2023 $1.9 Billion $0 -$3.1 Billion
Q1 2023 $1.9 Billion $0 $5.5 Billion
Q4 2022 $1.8 Billion $0 -$2.6 Billion
Q3 2022 $1.6 Billion $0 $2.3 Billion

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