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Synchrony Financial Stock Research

SYF

29.16USD+0.26(+0.90%)Market Closed

Market Summary

USD29.16+0.26
Market Closed
0.90%

SYF Alerts

SYF Stock Price

SYF RSI Chart

SYF Valuation

Market Cap

12.8B

Price/Earnings (Trailing)

4.24

Price/Sales (Trailing)

0.76

EV/EBITDA

0.83

Price/Free Cashflow

1.91

SYF Price/Sales (Trailing)

SYF Profitability

EBT Margin

23.47%

Return on Equity

23.43%

Return on Assets

2.88%

Free Cashflow Yield

52.39%

SYF Fundamentals

SYF Revenue

Revenue (TTM)

16.9B

Revenue Y/Y

10.8%

Revenue Q/Q

2.33%

SYF Earnings

Earnings (TTM)

3.0B

Earnings Y/Y

-29.03%

Earnings Q/Q

-17.92%

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

Debt/Equity

1.1

Debt/Cashflow

0.47

SYF Investor Care

Dividend Yield

3.09%

Dividend/Share (TTM)

0.9

Buy Backs (1Y)

16.82%

Diluted EPS (TTM)

6.15

Peers (Alternatives to Synchrony Financial)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
119.4B
43.0B
-11.87% -8.27%
15.89
2.78
24.07% -6.77%
35.7B
31.2B
-20.82% -29.61%
4.85
1.14
21.22% -40.60%
26.1B
12.9B
-17.13% -11.23%
5.94
2.03
20.78% -19.40%
12.8B
16.9B
-21.96% -18.48%
4.24
0.76
10.86% -28.55%
MID-CAP
7.0B
10.6B
-29.15% -41.66%
4.09
0.66
22.77% -43.99%
5.2B
1.8B
-18.56% -18.44%
9.66
2.82
-1.27% -44.09%
4.3B
4.4B
-22.66% -13.76%
4.89
0.97
1.63% -33.18%
3.2B
2.0B
-18.63% -29.53%
6.89
1.56
14.34% -60.20%
2.2B
3.2B
-16.83% -6.17%
3.39
0.68
21.71% -10.04%
SMALL-CAP
844.9M
1.4B
-13.44% -39.03%
13.16
0.58
1.14% 35.24%
758.6M
712.4M
-29.80% -50.28%
2.62
1.06
17.60% 1459.12%
202.0M
316.1M
-13.85% -5.64%
2.22
0.64
30.42% 177.67%
175.7M
185.1M
-14.48% -13.14%
3.3
0.95
21.52% 23.68%
65.2M
1.0B
-62.56% -86.33%
-2.33
0.06
29.84% -130.18%
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)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Revenue2.6%16,88116,44816,00415,50815,228
EBITDA-0.2%20,00620,04020,33620,412-
EBITDA Margin-2.7%1.19*1.22*1.27*1.31*-
Earnings Before Taxes-7.2%3,9624,2684,8465,4215,503
EBT Margin-9.6%0.23*0.26*0.30*0.35*-
Interest Expenses1.8%15,62515,34915,07914,58914,239
Net Income-7.3%3,0163,2523,6904,1284,221
Net Income Margin-9.6%0.18*0.20*0.23*0.27*-
Free Cahsflow-2.3%6,6946,8517,0326,656-
Balance Sheet
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Assets3.8%104,564100,76695,20095,26795,748
    Cash Equivalents-13.9%10,29411,96210,68210,5418,337
  Goodwill0%1,1051,1051,1051,1051,105
Liabilities4.5%91,69187,75481,80781,84982,093
  Long Term Debt-0.9%14,19114,32112,15713,36014,507
Shareholder's Equity-1.1%12,87313,01213,39313,41813,655
  Retained Earnings2.9%16,71616,25215,67915,00314,245
  Additional Paid-In Capital0.3%9,7189,6859,6639,6439,669
Shares Outstanding-4.5%438459488506527
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Cashflow From Operations-2.3%6,6946,8517,0326,6567,099
Cashflow From Investing-12.0%-10,234-9,140-6,832-7,633-4,814
Cashflow From Financing-3.0%5,2845,450-952-5,201-5,204
  Dividend Payments-3.8%434451466486500
  Buy Backs-7.8%3,3203,6013,9523,6442,876

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 ascendingFund NameType% 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%

1–10 of 46

Latest Funds Activity

Are funds buying SYF calls or puts?
Calls
Puts
Are funds bullish or bearish(Calls - Puts)?
Net Call Options
No. of funds that own SYF
No. of Funds

Synchrony Financial News

Nasdaq

Oppenheimer Upgrades Synchrony Financial (SYF).

Nasdaq,
7 hours ago

The Wall Street Journal

Seeking Alpha

Schedule 13G FIlings of Synchrony Financial

Date FiledName of FilerPercent of ClassNo. of SharesForm 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 ValueVery PessimisticPessimisticBase CaseOptimisticVery 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 ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
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

1–10 of 50

Brian D. Doubles
18000
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

2022-09-30
Condensed Consolidated Statements of Earnings (Unaudited) - USD ($)
$ in Millions
3 Months Ended9 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 securities841113332
Total interest income4,3423,89812,43811,218
Interest expense:    
Interest on deposits280131567447
Interest on senior unsecured notes8068225226
Total interest expense414240919809
Net interest income3,9283,65811,51910,409
Retailer share arrangements(1,057)(1,266)(3,288)(3,261)
Provision for credit losses (Note 4)929252,174165
Net interest income, after retailer share arrangements and provision for credit losses1,9422,3676,0576,983
Other income:    
Interchange revenue238232731626
Debt cancellation fees10370285205
Loyalty programs(326)(256)(906)(682)
Other2948240165
Total other income4494350314
Other expense:    
Employee costs4163691,2221,092
Professional fees204196599575
Marketing and business development115110366319
Information processing150139458407
Other179147541448
Total other expense1,0649613,1862,841
Earnings before provision for income taxes9221,5003,2214,456
Provision for income taxes (Note 12)2193597821,048
Net earnings7031,1412,4393,408
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 entities5441127136
Provision for credit losses (Note 4)$ 23$ (133)$ 151$ (213)

SYF Balance Sheet

2022-09-30
Condensed 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)5,0825,283
Less: Allowance for credit losses(9,102)(8,688)
Loan receivables, net76,91072,052
Loan receivables held for sale (Note 4)04,361
Goodwill1,1051,105
Intangible assets, net (Note 6)1,0331,168
Other assets4,6743,442
Total assets100,76695,748
Deposits: (Note 7)  
Interest-bearing deposit accounts68,03261,911
Non-interest-bearing deposit accounts372359
Total deposits68,40462,270
Borrowings: (Notes 5 and 8)  
Senior unsecured notes7,9617,219
Total borrowings[1]14,32114,507
Accrued expenses and other liabilities5,0295,316
Total liabilities87,75482,093
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, 2021734734
Common Stock, par share value $0.001 per share; 4,000,000,000 shares authorized; 833,984,684 shares issued at both September 30, 2022 and December 31, 2021; 458,904,206 and 526,830,205 shares outstanding at September 30, 2022 and December 31, 2021, respectively11
Additional paid-in capital9,6859,669
Retained earnings16,25214,245
Accumulated other comprehensive income (loss):  
Debt securities(106)4
Currency translation adjustments(35)(26)
Employee benefit plans(46)(47)
Treasury stock, at cost; 375,080,478 and 307,154,479 shares at September 30, 2022 and December 31, 2021, respectively13,47310,925
Total equity13,01213,655
Total liabilities and equity100,76695,748
Total loan receivables86,01280,740
Restricted loans of consolidated securitization entities  
Assets  
Less: Allowance for credit losses(1,700)(1,900)
Loan receivables, net[2]16,62918,594
Loan receivables held for sale (Note 4)01,398
Other assets[3]1,031292
Total assets17,66020,284
Borrowings: (Notes 5 and 8)  
Total liabilities6,3787,302
Total loan receivables18,36120,529
Borrowings of consolidated securitization entities[1]6,3607,288
Unsecuritized Loans Held for Investment [Member]  
Total loan receivables$ 67,651$ 60,211
[1]The amounts presented above for outstanding borrowings include unamortized debt premiums, discounts and issuance costs.
[2]Includes $1.7 billion and $1.9 billion of related allowance for credit losses resulting in gross restricted loans of $18.4 billion and $20.5 billion at September 30, 2022 and December 31, 2021, respectively.
[3]Includes $1.0 billion and $288 million of segregated funds held by the VIEs at September 30, 2022 and December 31, 2021, respectively, which are classified as restricted cash and equivalents and included as a component of other assets in our Condensed Consolidated Statements of Financial Position.