Synchrony Financial

Chart & Performance

D1W1MN

P/E

11.62

P/S

3.39

EPS

5.75

Div Yield, %

1.72%

Shrs. gr., 5y

-10.73%

Rev. gr., 5y

-10.42%

Revenues

7.66b

-52.13%

Net income

2.24b

-25.80%

CFO

8.59b

+28.37%

Dividend

Aug 05, 20240.25 USD/sh

Earnings

Jan 21, 2025

Profile

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.

URL

https://www.synchrony.com/

IPO date

Jul 31, 2014

Employees

18,500

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	7,662,000 -52.13%	16,005,000 57.03%	10,192,000 -8.69%
Cost of revenue	2,081,000	3,538,000	2,892,000
Unusual Expense (Income)
NOPBT	5,581,000	12,467,000	7,300,000
NOPBT Margin	72.84%	77.89%	71.62%
Operating Taxes	666,000	946,000	1,282,000
Tax Rate	11.93%	7.59%	17.56%
NOPAT	4,915,000	11,521,000	6,018,000
Net income	2,238,000 -25.80%	3,016,000 -28.55%	4,221,000 204.77%
Dividends	(448,000)	(476,000)	(542,000)
Dividend yield	2.77%	3.00%	2.05%
Proceeds from repurchase of equity	(1,112,000)	(3,320,000)	(2,876,000)
BB yield	6.88%	20.90%	10.89%
Debt
Debt current		1,707,000	500,000
Long-term debt	16,716,000	14,925,000	15,241,000
Deferred revenue		91,691,000	82,093,000
Other long-term liabilities	(15,982,000)	73,598,000	62,498,000
Net debt	2,457,000	1,403,000	1,833,000
Cash flow
Cash from operating activities	8,593,000	6,694,000	7,099,000
CAPEX
Cash from investing activities	(14,234,000)	(10,234,000)	(4,814,000)
Cash from financing activities	9,632,000	5,284,000	(5,204,000)
FCF	(99,649,000)	20,337,000	6,187,000
Balance
Cash	14,259,000	10,294,000	8,337,000
Long term investments		4,935,000	5,571,000
Excess cash	13,875,900	14,428,750	13,398,400
Stockholders' equity	19,329,000	21,223,000	21,081,000
Invested Capital	103,603,100	179,631,250	159,854,600
ROIC	3.47%	6.79%	3.72%
ROCE	4.75%	12.18%	8.01%
EV
Common stock shares outstanding	423,500	483,400	569,300
Price	38.19 16.22%	32.86 -29.17%	46.39 33.65%
Market cap	16,173,465 1.82%	15,884,524 -39.85%	26,409,827 28.79%
EV	19,364,465	21,918,524	35,146,827
EBITDA	6,039,000	12,886,000	7,690,000
EV/EBITDA	3.21	1.70	4.57
Interest	3,711,000	1,521,000	1,032,000
Interest/NOPBT	66.49%	12.20%	14.14%