Market Summary
USD29.16+0.26
Market Closed0.90%
SYF Alerts
SYF Stock Price
SYF RSI Chart
SYF Valuation
SYF Price/Sales (Trailing)
SYF Profitability
SYF Fundamentals
SYF Revenue
SYF Earnings
Price Action
52 Week Range
26.8541.08
(Low)(High)
Last 7 days
-16.2%
Last 30 days
-22.0%
Last 90 days
-14.0%
Trailing 12 Months
-18.5%
SYF Financial Health
SYF Investor Care
Peers (Alternatives to Synchrony Financial)
View All Peers In Detail| Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|
| LARGE-CAP | ||||||||
AXP | 119.4B | 43.0B | -11.87% | -8.27% | 15.89 | 2.78 | 24.07% | -6.77% |
COF | 35.7B | 31.2B | -20.82% | -29.61% | 4.85 | 1.14 | 21.22% | -40.60% |
DFS | 26.1B | 12.9B | -17.13% | -11.23% | 5.94 | 2.03 | 20.78% | -19.40% |
SYF | 12.8B | 16.9B | -21.96% | -18.48% | 4.24 | 0.76 | 10.86% | -28.55% |
| MID-CAP | ||||||||
ALLY | 7.0B | 10.6B | -29.15% | -41.66% | 4.09 | 0.66 | 22.77% | -43.99% |
CACC | 5.2B | 1.8B | -18.56% | -18.44% | 9.66 | 2.82 | -1.27% | -44.09% |
OMF | 4.3B | 4.4B | -22.66% | -13.76% | 4.89 | 0.97 | 1.63% | -33.18% |
SLM | 3.2B | 2.0B | -18.63% | -29.53% | 6.89 | 1.56 | 14.34% | -60.20% |
NAVI | 2.2B | 3.2B | -16.83% | -6.17% | 3.39 | 0.68 | 21.71% | -10.04% |
| SMALL-CAP | ||||||||
GDOT | 844.9M | 1.4B | -13.44% | -39.03% | 13.16 | 0.58 | 1.14% | 35.24% |
LC | 758.6M | 712.4M | -29.80% | -50.28% | 2.62 | 1.06 | 17.60% | 1459.12% |
CPSS | 202.0M | 316.1M | -13.85% | -5.64% | 2.22 | 0.64 | 30.42% | 177.67% |
MFIN | 175.7M | 185.1M | -14.48% | -13.14% | 3.3 | 0.95 | 21.52% | 23.68% |
CURO | 65.2M | 1.0B | -62.56% | -86.33% | -2.33 | 0.06 | 29.84% | -130.18% |
ELVT | 58.4M | 112.9M | 3.31% | -43.33% | -0.86 | 0.52 | -70.13% | -1140.00% |
Financials for Synchrony Financial
| Income Statement (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Revenue | 2.6% | 16,881 | 16,448 | 16,004 | 15,508 | 15,228 |
| EBITDA | -0.2% | 20,006 | 20,040 | 20,336 | 20,412 | - |
| EBITDA Margin | -2.7% | 1.19* | 1.22* | 1.27* | 1.31* | - |
| Earnings Before Taxes | -7.2% | 3,962 | 4,268 | 4,846 | 5,421 | 5,503 |
| EBT Margin | -9.6% | 0.23* | 0.26* | 0.30* | 0.35* | - |
| Interest Expenses | 1.8% | 15,625 | 15,349 | 15,079 | 14,589 | 14,239 |
| Net Income | -7.3% | 3,016 | 3,252 | 3,690 | 4,128 | 4,221 |
| Net Income Margin | -9.6% | 0.18* | 0.20* | 0.23* | 0.27* | - |
| Free Cahsflow | -2.3% | 6,694 | 6,851 | 7,032 | 6,656 | - |
| Balance Sheet | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Assets | 3.8% | 104,564 | 100,766 | 95,200 | 95,267 | 95,748 |
| Cash Equivalents | -13.9% | 10,294 | 11,962 | 10,682 | 10,541 | 8,337 |
| Goodwill | 0% | 1,105 | 1,105 | 1,105 | 1,105 | 1,105 |
| Liabilities | 4.5% | 91,691 | 87,754 | 81,807 | 81,849 | 82,093 |
| Long Term Debt | -0.9% | 14,191 | 14,321 | 12,157 | 13,360 | 14,507 |
| Shareholder's Equity | -1.1% | 12,873 | 13,012 | 13,393 | 13,418 | 13,655 |
| Retained Earnings | 2.9% | 16,716 | 16,252 | 15,679 | 15,003 | 14,245 |
| Additional Paid-In Capital | 0.3% | 9,718 | 9,685 | 9,663 | 9,643 | 9,669 |
| Shares Outstanding | -4.5% | 438 | 459 | 488 | 506 | 527 |
| Cashflow (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Cashflow From Operations | -2.3% | 6,694 | 6,851 | 7,032 | 6,656 | 7,099 |
| Cashflow From Investing | -12.0% | -10,234 | -9,140 | -6,832 | -7,633 | -4,814 |
| Cashflow From Financing | -3.0% | 5,284 | 5,450 | -952 | -5,201 | -5,204 |
| Dividend Payments | -3.8% | 434 | 451 | 466 | 486 | 500 |
| Buy Backs | -7.8% | 3,320 | 3,601 | 3,952 | 3,644 | 2,876 |
Risks for SYF
What is the probability of a big loss on SYF?
67.7%
Probability that Synchrony Financial stock will be more than 20% underwater in next one year
56.9%
Probability that Synchrony Financial stock will be more than 30% underwater in next one year.
33.5%
Probability that Synchrony Financial stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.
How does SYF drawdown profile look like?
Y-axis is the maximum loss one would have experienced if Synchrony Financial was unfortunately bought at previous high price.
Drawdowns
Returns for SYF
Cumulative Returns on SYF
2.9%
7-Year Cumulative Returns
-1.4%
5-Year Cumulative Returns
8.9%
3-Year Cumulative Returns
What are the long-term rolling returns for SYF?
FIve years rolling returns for Synchrony Financial.
Annualized Returns
Which funds bought or sold SYF recently?
View All Details| Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
|---|---|---|---|---|---|---|
2023-03-15 | B. Riley Wealth Advisors, Inc. | reduced | -4.34 | 57,590 | 567,590 | 0.02% |
2023-03-10 | VICTORY CAPITAL MANAGEMENT INC | added | 0.32 | 9,314,590 | 64,313,600 | 0.07% |
2023-03-06 | Rockefeller Capital Management L.P. | reduced | -18.48 | -36,000 | 710,000 | -% |
2023-02-28 | Voya Investment Management LLC | reduced | -3.27 | 604,562 | 5,350,560 | 0.01% |
2023-02-27 | Parallax Volatility Advisers, L.P. | reduced | -56.41 | -2,174,140 | 2,244,860 | -% |
2023-02-24 | NATIXIS | added | 869 | 9,339,620 | 10,247,600 | 0.06% |
2023-02-24 | National Pension Service | reduced | -4.85 | 2,320,740 | 29,904,400 | 0.06% |
2023-02-24 | SRS Capital Advisors, Inc. | unchanged | - | -277 | 723 | -% |
2023-02-22 | CVA Family Office, LLC | reduced | -87.68 | -16,207 | 2,793 | -% |
2023-02-22 | TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY | reduced | -0.53 | 2,990,000 | 21,740,000 | 0.23% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
SYF Alerts
Synchrony Financial News
Schedule 13G FIlings of Synchrony Financial
| Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
|---|---|---|---|---|---|
| Feb 13, 2023 | capital world investors | 10.0% | 45,088,025 | SC 13G/A | |
| Feb 09, 2023 | fmr llc | - | 0 | SC 13G/A | |
| Feb 09, 2023 | vanguard group inc | 12.88% | 58,021,118 | SC 13G/A | |
| Jan 30, 2023 | blackrock inc. | 9.0% | 40,751,703 | SC 13G/A | |
| Jan 25, 2023 | blackrock inc. | 9.0% | 40,751,703 | SC 13G/A | |
| Feb 11, 2022 | capital world investors | 9.2% | 50,314,580 | SC 13G/A | |
| Feb 09, 2022 | fmr llc | - | 0 | SC 13G/A | |
| Feb 03, 2022 | blackrock inc. | 8.5% | 46,743,789 | SC 13G/A | |
| Feb 16, 2021 | capital world investors | 8.7% | 50,723,927 | SC 13G | |
| Feb 12, 2021 | gic private ltd | 1.62% | 9,456,072 | SC 13G/A |
SYF Fair Value
Synchrony Financial fair value in different scenarios
The table shows the Fair Value estimates for Synchrony Financial for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
| Fair Value | Very Pessimistic | Pessimistic | Base Case | Optimistic | Very Optimistic |
|---|---|---|---|---|---|
| Very Low Inflation | 42.53 45.85% | 55.79 91.32% | 72.23 147.70% | 116.19 298.46% | 152.96 424.55% |
| Current Inflation | 40.37 38.44% | 52.59 80.35% | 65.68 125.24% | 103.26 254.12% | 134.57 361.49% |
| Very High Inflation | 37.57 28.84% | 48.46 66.19% | 57.71 97.91% | 87.98 201.71% | 113.06 287.72% |
Historical Synchrony Financial Fair Value Estimates
Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price
Recent SEC filings of Synchrony Financial
View All Filings| Date Filed | Form Type | Document | |
|---|---|---|---|
| Mar 15, 2023 | 8-K | Current Report | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading |
Latest Insider Trading transactions for SYF
Filter Transactions| Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
2023-03-03 | Schaller Bart | sold | -401,324 | 36.25 | -11,071 | see remarks |
2023-03-03 | Juel Carol | sold | -162,358 | 36.16 | -4,490 | see remarks |
2023-03-02 | Wenzel Brian J. Sr. | sold | -2,499,000 | 35.48 | -70,434 | see remarks |
2023-03-02 | Nalluswami Maran | sold | -133,689 | 35.48 | -3,768 | see remarks |
2023-03-02 | MOTHNER JONATHAN S | gifted | - | - | -3,500 | see remarks |
2023-03-02 | MOTHNER JONATHAN S | sold | -532,200 | 35.48 | -15,000 | see remarks |
2023-03-01 | Juel Carol | acquired | 1,237,530 | 35.98 | 34,395 | see remarks |
2023-03-01 | Wenzel Brian J. Sr. | sold (taxes) | -532,252 | 35.98 | -14,793 | see remarks |
2023-03-01 | Wenzel Brian J. Sr. | acquired | 1,372,530 | 35.98 | 38,147 | see remarks |
2023-03-01 | Whynott Paul | sold (taxes) | -321,877 | 35.98 | -8,946 | see remarks |
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.
SYF Income Statement
2022-09-30Condensed Consolidated Statements of Earnings (Unaudited) - USD ($) $ in Millions | 3 Months Ended | 9 Months Ended | ||
|---|---|---|---|---|
Sep. 30, 2022 | Sep. 30, 2021 | Sep. 30, 2022 | Sep. 30, 2021 | |
| Interest income: | ||||
| Interest and fees on loans (Note 4) | $ 4,258 | $ 3,887 | $ 12,305 | $ 11,186 |
| Interest on cash and debt securities | 84 | 11 | 133 | 32 |
| Total interest income | 4,342 | 3,898 | 12,438 | 11,218 |
| Interest expense: | ||||
| Interest on deposits | 280 | 131 | 567 | 447 |
| Interest on senior unsecured notes | 80 | 68 | 225 | 226 |
| Total interest expense | 414 | 240 | 919 | 809 |
| Net interest income | 3,928 | 3,658 | 11,519 | 10,409 |
| Retailer share arrangements | (1,057) | (1,266) | (3,288) | (3,261) |
| Provision for credit losses (Note 4) | 929 | 25 | 2,174 | 165 |
| Net interest income, after retailer share arrangements and provision for credit losses | 1,942 | 2,367 | 6,057 | 6,983 |
| Other income: | ||||
| Interchange revenue | 238 | 232 | 731 | 626 |
| Debt cancellation fees | 103 | 70 | 285 | 205 |
| Loyalty programs | (326) | (256) | (906) | (682) |
| Other | 29 | 48 | 240 | 165 |
| Total other income | 44 | 94 | 350 | 314 |
| Other expense: | ||||
| Employee costs | 416 | 369 | 1,222 | 1,092 |
| Professional fees | 204 | 196 | 599 | 575 |
| Marketing and business development | 115 | 110 | 366 | 319 |
| Information processing | 150 | 139 | 458 | 407 |
| Other | 179 | 147 | 541 | 448 |
| Total other expense | 1,064 | 961 | 3,186 | 2,841 |
| Earnings before provision for income taxes | 922 | 1,500 | 3,221 | 4,456 |
| Provision for income taxes (Note 12) | 219 | 359 | 782 | 1,048 |
| Net earnings | 703 | 1,141 | 2,439 | 3,408 |
| Net earnings available to common stockholders | $ 692 | $ 1,130 | $ 2,407 | $ 3,376 |
| Earnings per share | ||||
| Basic (in usd per share) | $ 1.48 | $ 2.02 | $ 4.89 | $ 5.89 |
| Diluted (in usd per share) | $ 1.47 | $ 2.00 | $ 4.86 | $ 5.84 |
| Variable Interest Entity, Primary Beneficiary | ||||
| Interest income: | ||||
| Interest and fees on loans (Note 4) | $ 896 | $ 1,000 | $ 2,700 | $ 3,100 |
| Interest expense: | ||||
| Interest on borrowings of consolidated securitization entities | 54 | 41 | 127 | 136 |
| Provision for credit losses (Note 4) | $ 23 | $ (133) | $ 151 | $ (213) |
SYF Balance Sheet
2022-09-30Condensed Consolidated Statements of Financial Position - USD ($) $ in Millions | Sep. 30, 2022 | Dec. 31, 2021 | ||||||
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Cash and equivalents | $ 11,962 | $ 8,337 | ||||||
| Debt securities (Note 3) | 5,082 | 5,283 | ||||||
| Less: Allowance for credit losses | (9,102) | (8,688) | ||||||
| Loan receivables, net | 76,910 | 72,052 | ||||||
| Loan receivables held for sale (Note 4) | 0 | 4,361 | ||||||
| Goodwill | 1,105 | 1,105 | ||||||
| Intangible assets, net (Note 6) | 1,033 | 1,168 | ||||||
| Other assets | 4,674 | 3,442 | ||||||
| Total assets | 100,766 | 95,748 | ||||||
| Deposits: (Note 7) | ||||||||
| Interest-bearing deposit accounts | 68,032 | 61,911 | ||||||
| Non-interest-bearing deposit accounts | 372 | 359 | ||||||
| Total deposits | 68,404 | 62,270 | ||||||
| Borrowings: (Notes 5 and 8) | ||||||||
| Senior unsecured notes | 7,961 | 7,219 | ||||||
| Total borrowings | [1] | 14,321 | 14,507 | |||||
| Accrued expenses and other liabilities | 5,029 | 5,316 | ||||||
| Total liabilities | 87,754 | 82,093 | ||||||
| Equity: | ||||||||
| Preferred stock, par share value $0.001 per share; 750,000 shares authorized; 750,000 shares issued and outstanding at both September 30, 2022 and December 31, 2021 and aggregate liquidation preference of $750 at both September 30, 2022 and December 31, 2021 | 734 | 734 | ||||||
| Common Stock, par share value $0.001 per share; 4,000,000,000 shares authorized; 833,984,684 shares issued at both September 30, 2022 and December 31, 2021; 458,904,206 and 526,830,205 shares outstanding at September 30, 2022 and December 31, 2021, respectively | 1 | 1 | ||||||
| Additional paid-in capital | 9,685 | 9,669 | ||||||
| Retained earnings | 16,252 | 14,245 | ||||||
| Accumulated other comprehensive income (loss): | ||||||||
| Debt securities | (106) | 4 | ||||||
| Currency translation adjustments | (35) | (26) | ||||||
| Employee benefit plans | (46) | (47) | ||||||
| Treasury stock, at cost; 375,080,478 and 307,154,479 shares at September 30, 2022 and December 31, 2021, respectively | 13,473 | 10,925 | ||||||
| Total equity | 13,012 | 13,655 | ||||||
| Total liabilities and equity | 100,766 | 95,748 | ||||||
| Total loan receivables | 86,012 | 80,740 | ||||||
| Restricted loans of consolidated securitization entities | ||||||||
| Assets | ||||||||
| Less: Allowance for credit losses | (1,700) | (1,900) | ||||||
| Loan receivables, net | [2] | 16,629 | 18,594 | |||||
| Loan receivables held for sale (Note 4) | 0 | 1,398 | ||||||
| Other assets | [3] | 1,031 | 292 | |||||
| Total assets | 17,660 | 20,284 | ||||||
| Borrowings: (Notes 5 and 8) | ||||||||
| Total liabilities | 6,378 | 7,302 | ||||||
| Total loan receivables | 18,361 | 20,529 | ||||||
| Borrowings of consolidated securitization entities | [1] | 6,360 | 7,288 | |||||
| Unsecuritized Loans Held for Investment [Member] | ||||||||
| Total loan receivables | $ 67,651 | $ 60,211 | ||||||
| ||||||||