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SYF

SYF - Synchrony Financial Stock Price, Fair Value and News

40.12USD+0.42 (+1.06%)Market Closed
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Market Summary

USD40.12+0.42
Market Closed
1.06%

SYF Alerts

  • 1 major insider sales recently.

SYF Stock Price

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SYF RSI Chart

SYF Valuation

Market Cap

16.3B

Price/Earnings (Trailing)

7.29

Price/Sales (Trailing)

0.79

EV/EBITDA

0.9

Price/Free Cashflow

1.9

SYF Price/Sales (Trailing)

SYF Profitability

EBT Margin

14.02%

Return on Equity

16.1%

Return on Assets

1.91%

Free Cashflow Yield

52.64%

SYF Fundamentals

SYF Revenue

Revenue (TTM)

20.7B

Rev. Growth (Yr)

17.86%

Rev. Growth (Qtr)

3.64%

SYF Earnings

Earnings (TTM)

2.2B

Earnings Growth (Yr)

-23.74%

Earnings Growth (Qtr)

-29.94%

Breaking Down SYF Revenue

Last 7 days

2.1%

Last 30 days

7.7%

Last 90 days

32.4%

Trailing 12 Months

8.6%

How does SYF drawdown profile look like?

SYF Financial Health

Debt/Equity

1.15

Debt/Cashflow

0.54

SYF Investor Care

Dividend Yield

2.39%

Dividend/Share (TTM)

0.96

Buy Backs (1Y)

6.91%

Diluted EPS (TTM)

5.2

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
202317.9B18.9B19.9B20.7B
202215.6B16.0B16.5B17.1B
202115.4B15.2B15.2B15.3B
202018.7B17.8B16.7B16.1B
201918.5B19.1B19.4B19.1B
201816.7B16.9B17.4B18.0B
201715.2B15.6B16.1B16.4B
201613.6B13.9B14.3B14.8B
201512.5B12.7B13.0B13.2B
201411.5B11.8B12.0B12.2B
201310.6B10.8B11.1B11.3B
201200010.3B

Tracking the Latest Insider Buys and Sells of Synchrony Financial

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
Feb 15, 2024
naylor jeffrey g
acquired
1,992
39.85
50.00
-
Feb 15, 2024
schaller bart
acquired
12,034
39.85
302
see remarks
Feb 15, 2024
alves paget leonard
acquired
1,315
39.85
33.00
-
Feb 15, 2024
melito david p
acquired
3,546
39.85
89.00
see remarks
Feb 15, 2024
doubles brian d
acquired
64,955
39.85
1,630
see remarks
Feb 15, 2024
wenzel brian j. sr.
acquired
18,370
39.85
461
see remarks
Feb 15, 2024
howse curtis
acquired
13,748
39.85
345
see remarks
Feb 15, 2024
guthrie roy a
acquired
1,315
39.85
33.00
-
Feb 15, 2024
richie laurel
acquired
1,315
39.85
33.00
-
Feb 15, 2024
zane ellen m
acquired
1,315
39.85
33.00
-

1–10 of 50

Which funds bought or sold SYF recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Feb 22, 2024
Scarborough Advisors, LLC
new
-
5,053
5,053
-%
Feb 21, 2024
Raleigh Capital Management Inc.
new
-
1,146
1,146
-%
Feb 21, 2024
V-Square Quantitative Management LLC
added
19.43
147,459
447,167
0.08%
Feb 20, 2024
Quarry LP
reduced
-42.03
-9,790
25,702
-%
Feb 16, 2024
GSA CAPITAL PARTNERS LLP
reduced
-71.29
-513,000
287,000
0.02%
Feb 16, 2024
DZ BANK AG Deutsche Zentral Genossenschafts Bank, Frankfurt am Main
unchanged
-
102,763
515,030
-%
Feb 16, 2024
Aspect Partners, LLC
new
-
306
306
-%
Feb 16, 2024
PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO
added
3.29
1,724,160
7,659,160
0.03%
Feb 16, 2024
PRICE T ROWE ASSOCIATES INC /MD/
added
70.8
19,431,000
36,572,000
-%
Feb 16, 2024
HARBOUR INVESTMENTS, INC.
added
8.51
1,021
3,895
-%

1–10 of 40

Are Funds Buying or Selling SYF?

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

Unveiling Synchrony Financial's Major ShareHolders

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Feb 13, 2024
vanguard group inc
12.86%
53,197,772
SC 13G/A
Feb 09, 2024
capital world investors
10.8%
44,534,680
SC 13G/A
Jan 24, 2024
blackrock inc.
10.1%
41,638,752
SC 13G/A
Dec 06, 2023
blackrock inc.
10.2%
42,182,005
SC 13G/A
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

Recent SEC filings of Synchrony Financial

View All Filings
Date Filed Form Type Document
Feb 23, 2024
8-A12B
8-A12B
Feb 23, 2024
8-K
Current Report
Feb 23, 2024
CERT
CERT
Feb 20, 2024
4
Insider Trading
Feb 20, 2024
4
Insider Trading
Feb 20, 2024
4
Insider Trading
Feb 20, 2024
4
Insider Trading
Feb 20, 2024
4
Insider Trading
Feb 20, 2024
4
Insider Trading
Feb 20, 2024
4
Insider Trading

Peers (Alternatives to Synchrony Financial)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
448.4B
25.1B
9.10% 27.61%
41.03
17.87
12.87% 11.70%
155.3B
60.5B
16.77% 18.58%
18.55
2.57
14.48% 11.45%
63.4B
29.8B
-3.05% -26.81%
14.94
2.13
8.19% 75.53%
51.5B
41.9B
7.46% 18.93%
10.44
1.23
34.26% 32.87%
30.5B
17.8B
0.88% -3.39%
10.6
1.71
38.72% -34.63%
10.9B
14.0B
8.93% 10.57%
10.72
0.78
31.42% -40.49%
MID-CAP
6.8B
1.9B
7.09% 20.96%
23.71
3.57
3.79% -46.60%
5.3B
3.2B
7.50% 32.67%
24.17
1.68
15.50% -13.49%
4.5B
4.4B
4.92% -8.97%
7.25
1.04
-2.65% -31.25%
3.3B
1.5B
8.24% -5.31%
25.57
2.29
35.53% -74.30%
SMALL-CAP
1.8B
2.1B
8.50% 18.52%
10.2
0.84
21.98% -15.57%
481.8M
1.1B
-6.09% 1.64%
4.79
0.43
12.14% -37.78%
182.1M
343.1M
8.36% -12.13%
3.48
0.53
8.54% -42.42%
10.7M
853.2M
-69.74% -94.56%
-0.03
0.01
-15.13% -1364.54%
7.3M
7.3M
83.72% -16.84%
-2
1
-51.11% -187.28%

Synchrony Financial News

Latest updates
InvestorsObserver13 hours ago
Yahoo Finance15 Feb 202402:40 pm

Synchrony Financial Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)
(In Millions)
Income Statement (Quarterly)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Revenue3.6%5,5495,3545,0214,7864,7084,3424,0744,0224,0533,8983,5783,7423,9933,8373,8304,4074,5854,9814,7384,7864,876
EBITDA Margin-4.9%0.97*1.02*1.05*1.11*1.17*1.22*1.27*1.31*1.32*1.30*1.23*1.11*1.03*--------
Interest Expenses-100.0%-4,3624,1204,0514,1063,9283,8023,7893,8303,6583,3123,4393,6593,4573,3963,8904,0294,3894,1554,2264,333
Income Taxes-51.7%99.0020517318916421926230123435939929020699.0011.0096.00190319276355229
Earnings Before Taxes-35.3%5398337427907419221,0661,2331,0471,5001,6411,31594441259.003829211,3751,1291,4621,012
EBT Margin-10.3%0.14*0.16*0.17*0.20*0.23*0.26*0.30*0.35*0.36*0.36*0.28*0.18*0.11*--------
Net Income-29.9%4406285696015777038049328131,1411,2421,02573831348.002867311,0568531,107783
Net Income Margin-9.6%0.11*0.12*0.13*0.15*0.18*0.20*0.23*0.27*0.28*0.27*0.22*0.14*0.09*--------
Free Cashflow-6.6%2,3172,4821,9081,8861,8471,6341,8171,3962,0041,8151,4411,8392,086--------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Assets4.0%117,479112,939108,697107,853104,564100,76695,20095,26795,74891,93792,01795,85495,94895,65896,54498,038104,826105,943106,388105,384106,792
    Cash Equivalents-8.8%14,25915,64312,70615,30310,29411,96210,68210,5418,6869,80611,11716,62011,52413,55216,34413,70412,64711,46111,75512,96310,376
  Goodwill-7.9%1,0181,1051,1051,1051,1051,1051,1051,1051,1051,1051,1051,1041,0781,0781,0781,0781,0781,0781,0781,0761,024
Liabilities4.4%103,57699,17295,31794,66091,69187,75481,80781,84982,09378,00177,82082,41583,24783,55984,64586,06889,73890,82391,65490,67592,114
  Long Term Debt4.9%15,98215,23114,23114,93414,19114,32112,15713,36014,50712,76013,45715,16015,77515,77116,06917,24819,86620,36321,24421,89123,996
Shareholder's Equity1.0%13,90313,76713,38013,19312,87313,01213,39313,41813,65513,93614,19713,43912,70112,09911,89911,97015,08815,12014,73414,70914,678
  Retained Earnings1.8%18,66218,33817,82817,36916,71616,25215,67915,00314,24513,56212,56011,47010,62110,0249,8529,96012,11711,53310,6279,9398,986
  Additional Paid-In Capital0.3%9,7759,7509,7279,7059,7189,6859,6639,6439,6699,6499,6209,5929,5709,5529,5329,5239,5379,5209,5009,4899,482
Shares Outstanding-1.7%407414418428438459488506527547573581584--------
Float-------13,474---27,822---12,935---23,206--
Cashflow (Last 12 Months)
(In Millions)
Cashflow (Quarterly)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Cashflow From Operations-6.6%2,3172,4821,9081,8861,8471,6341,8171,3962,0041,8151,4411,8392,0861,4832,3811,5372,3362,3991,9662,2892,576
Cashflow From Investing-179.2%-7,169-2,568-5,189692-6,858-4,142-1,0521,818-5,764-1,834-1,8534,637-3,259-3,1712,0453,887681-1,570-3,1823,810-6,285
Cashflow From Financing14.6%3,4733,0312162,9122,3804,779-899-9762,546-1,623-5,148-979-848-1,100-1,796-4,287-2,091-1,25368.00-3,1821,814
  Dividend Payments-1.0%10310499.00100103109108114120124128128128129128135141145145150151
  Buy Backs66.4%2531523034047019507019689821,301393200---9851,376550725967-

SYF Income Statement

2023-12-31
Consolidated Statements of Earnings - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Interest income:   
Interest and fees on loans (Note 5)$ 19,902$ 16,881$ 15,228
Interest on cash and debt securities80826543
Total interest income20,71017,14615,271
Interest expense:   
Interest on deposits2,9521,008566
Interest on senior unsecured notes419317297
Total interest expense3,7111,5211,032
Net interest income16,99915,62514,239
Retailer share arrangements(3,661)(4,331)(4,528)
Provision for credit losses (Note 5)5,9653,375726
Net interest income, after retailer share arrangements and provision for credit losses7,3737,9198,985
Other income:   
Interchange revenue1,031982880
Protection product revenue510387284
Loyalty programs(1,370)(1,257)(992)
Other118268309
Total other income289380481
Other expense:   
Employee costs1,8841,6811,501
Professional fees842832782
Marketing and business development527487486
Information processing712623550
Other793714644
Total other expense4,7584,3373,963
Earnings before provision for income taxes2,9043,9625,503
Provision for income taxes (Note 15)6669461,282
Net earnings2,2383,0164,221
Net earnings available to common stockholders$ 2,196$ 2,974$ 4,179
Earnings per share   
Basic (in usd per share)$ 5.21$ 6.19$ 7.40
Diluted (in usd per share)$ 5.19$ 6.15$ 7.34
Variable Interest Entity, Primary Beneficiary   
Interest income:   
Interest and fees on loans (Note 5)$ 3,900$ 3,700$ 4,100
Interest expense:   
Interest on borrowings of consolidated securitization entities340196169
Provision for credit losses (Note 5)$ 857$ 365$ (105)

SYF Balance Sheet

2023-12-31
Consolidated Statements of Financial Position - USD ($)
$ in Millions
Dec. 31, 2023
Dec. 31, 2022
Assets  
Cash and equivalents$ 14,259$ 10,294
Debt securities3,7994,879
Total loan receivables102,98892,470
Less: Allowance for credit losses(10,571)(9,527)
Loan receivables, net92,41782,943
Goodwill (Note 7)1,0181,105
Intangible assets, net (Note 7)815742
Other assets4,9154,601
Assets held for sale (Note 3)2560
Total assets117,479104,564
Deposits: (Note 8)  
Interest-bearing deposit accounts80,78971,336
Non-interest-bearing deposit accounts364399
Total deposits81,15371,735
Borrowings: (Notes 6 and 9)  
Senior and subordinated unsecured notes8,7157,964
Total borrowings15,98214,191
Accrued expenses and other liabilities6,3345,765
Liabilities held for sale1070
Total liabilities103,57691,691
Equity:  
Preferred stock, par share value $0.001 per share; 750,000 shares authorized; 750,000 shares issued and outstanding at both December 31, 2023 and 2022 and aggregate liquidation preference of $750 at both December 31, 2023 and 2022734734
Common stock, par share value 0.001 per share; 4,000,000,000 shares authorized; 833,984,684 shares issued at both December 31, 2023 and 2022; 406,875,775 and 438,216,755 shares outstanding at December 31, 2023 and 2022, respectively11
Additional paid-in capital9,7759,718
Retained earnings18,66216,716
Accumulated other comprehensive income (loss):  
Debt securities(33)(93)
Currency translation adjustments(38)(38)
Employee benefit plans36
Treasury stock, at cost; 427,108,909 and 395,767,929 shares at December 31, 2023 and 2022, respectively(15,201)(14,171)
Total equity13,90312,873
Total liabilities and equity117,479104,564
Variable Interest Entity, Primary Beneficiary  
Assets  
Total loan receivables21,43419,832
Less: Allowance for credit losses(1,900)(1,800)
Loan receivables, net19,53718,015
Other assets4761
Total assets19,58418,076
Borrowings: (Notes 6 and 9)  
Borrowings of consolidated securitization entities7,2676,227
Total liabilities7,2986,250
Unsecuritized Loans Held for Investment  
Assets  
Total loan receivables$ 81,554$ 72,638
SYF
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; and 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. 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. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
 CEO
 WEBSITEwww.synchrony.com
 EMPLOYEES18500

Synchrony Financial Frequently Asked Questions


What is the ticker symbol for Synchrony Financial? What does SYF stand for in stocks?

SYF is the stock ticker symbol of Synchrony Financial. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Synchrony Financial (SYF)?

As of Fri Feb 23 2024, market cap of Synchrony Financial is 16.32 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of SYF stock?

You can check SYF's fair value in chart for subscribers.

What is the fair value of SYF stock?

You can check SYF's fair value in chart for subscribers. The fair value of Synchrony Financial is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Synchrony Financial is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for SYF so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Synchrony Financial a good stock to buy?

The fair value guage provides a quick view whether SYF is over valued or under valued. Whether Synchrony Financial is cheap or expensive depends on the assumptions which impact Synchrony Financial's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for SYF.

What is Synchrony Financial's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri Feb 23 2024, SYF's PE ratio (Price to Earnings) is 7.29 and Price to Sales (PS) ratio is 0.79. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. SYF PE ratio will change depending on the future growth rate expectations of investors.