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XNYSSYFpB
Market cap25bUSD
Dec 24, Last price  
25.88USD
1D
-0.58%
1Q
-1.22%
IPO
3.31%
Name

Synchrony Financial

Chart & Performance

D1W1MN
XNYS:SYFpB chart

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
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
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%