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SYF

SYF - Synchrony Financial Stock Price, Fair Value and News

49.97USD-0.86 (-1.69%)Market Closed

Market Summary

SYF
USD49.97-0.86
Market Closed
-1.69%

SYF Stock Price

View Fullscreen

SYF RSI Chart

SYF Valuation

Market Cap

19.7B

Price/Earnings (Trailing)

6.57

Price/Sales (Trailing)

0.9

EV/EBITDA

0.76

Price/Free Cashflow

2.07

SYF Price/Sales (Trailing)

SYF Profitability

EBT Margin

17.79%

Return on Equity

19.33%

Return on Assets

2.49%

Free Cashflow Yield

48.26%

SYF Fundamentals

SYF Revenue

Revenue (TTM)

22.1B

Rev. Growth (Yr)

11.17%

Rev. Growth (Qtr)

0.25%

SYF Earnings

Earnings (TTM)

3.0B

Earnings Growth (Yr)

13.01%

Earnings Growth (Qtr)

-50.27%

Breaking Down SYF Revenue

Last 7 days

1.8%

Last 30 days

14.5%

Last 90 days

20.2%

Trailing 12 Months

43.2%

How does SYF drawdown profile look like?

SYF Financial Health

Debt/Equity

1.01

Debt/Cashflow

0.61

SYF Investor Care

Dividend Yield

2%

Dividend/Share (TTM)

1

Buy Backs (1Y)

5.47%

Diluted EPS (TTM)

7.22

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
202421.5B22.1B00
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
Jul 01, 2024
nalluswami maran
sold (taxes)
-13,326
48.11
-277
see remarks
Jul 01, 2024
schaller bart
sold (taxes)
-34,831
48.11
-724
see remarks
Jul 01, 2024
juel carol
sold (taxes)
-18,474
48.11
-384
see remarks
Jun 30, 2024
coviello arthur w jr
acquired
41,291
47.19
875
-
Jun 30, 2024
richie laurel
acquired
41,291
47.19
875
-
Jun 30, 2024
parker p.w.
acquired
41,291
47.19
875
-
Jun 30, 2024
chytil kamila k
acquired
41,291
47.19
875
-
Jun 30, 2024
zane ellen m
acquired
41,291
47.19
875
-
Jun 30, 2024
naylor jeffrey g
acquired
72,578
47.19
1,538
-
Jun 30, 2024
alves paget leonard
acquired
41,291
47.19
875
-

1–10 of 50

Which funds bought or sold SYF recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Jul 19, 2024
RAYMOND JAMES & ASSOCIATES
reduced
-11.1
-386,832
13,905,900
0.01%
Jul 19, 2024
Venturi Wealth Management, LLC
added
150
36,517
57,431
-%
Jul 19, 2024
NISA INVESTMENT ADVISORS, LLC
added
53.76
1,334,790
3,289,850
0.02%
Jul 19, 2024
Accordant Advisory Group Inc
sold off
-100
-69,251
-
-%
Jul 19, 2024
Oakworth Capital, Inc.
unchanged
-
1,074
12,458
-%
Jul 19, 2024
MERIDIAN INVESTMENT COUNSEL INC.
unchanged
-
49,100
569,300
0.18%
Jul 19, 2024
Sumitomo Mitsui Trust Holdings, Inc.
reduced
-7.69
520,936
51,260,300
0.04%
Jul 19, 2024
HARBOR INVESTMENT ADVISORY, LLC
reduced
-19.09
-6,003
46,388
-%
Jul 19, 2024
BTC Capital Management, Inc.
reduced
-10.78
-83,452
3,456,060
0.32%
Jul 19, 2024
Greylin Investment Management, Inc
reduced
-0.76
24,295
306,688
0.05%

1–10 of 49

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
Jul 19, 2024
10-Q
Quarterly Report
Jul 17, 2024
8-K
Current Report
Jul 17, 2024
8-K
Current Report
Jul 02, 2024
4
Insider Trading
Jul 02, 2024
4
Insider Trading
Jul 02, 2024
4
Insider Trading
Jul 02, 2024
4
Insider Trading
Jul 02, 2024
4
Insider Trading
Jul 02, 2024
4
Insider Trading
Jul 02, 2024
4
Insider Trading

Peers (Alternatives to Synchrony Financial)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
413.9B
25.7B
-1.43% 11.46%
34.95
16.11
12.62% 22.62%
172.7B
63.3B
5.77% 36.94%
17.56
2.73
10.95% 32.19%
62.1B
30.4B
0.39% -18.72%
14.31
2.04
8.39% 60.41%
56.3B
43.4B
7.25% 28.10%
12.32
1.3
26.76% -32.22%
35.5B
18.7B
11.75% 38.45%
15.49
1.9
31.76% -44.09%
12.7B
14.3B
4.54% 44.53%
14.83
0.89
22.92% -37.74%
MID-CAP
7.1B
2.0B
20.68% 4.99%
28.11
3.61
6.86% -40.40%
4.9B
3.2B
-1.07% 10.79%
21.07
1.52
13.90% -14.51%
4.2B
4.4B
0.73% 1.63%
6.83
0.96
0.29% -19.79%
4.1B
1.1B
8.34% 10.96%
29.47
3.66
25.92% -44.07%
SMALL-CAP
2.0B
2.2B
21.66% 28.11%
11.42
0.88
22.40% -16.16%
492.1M
1.2B
20.81% -20.31%
4.79
0.42
9.96% -11.98%
237.1M
360.7M
32.86% -13.16%
6.57
0.66
6.56% -54.11%
9.7M
6.8M
- 57.21%
-2.54
1.42
-15.69% -18.72%
2.5M
853.2M
-44.44% -95.10%
-0.01
0
-15.13% -1364.54%

Synchrony Financial News

Latest updates
Defense World6 hours ago
Seeking Alpha18 Jul 202401:28 pm
American Banking and Market News18 Jul 202407:53 am
StockTitan17 Jul 202410:00 am

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/Q2024Q22024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q2
Revenue0.3%5,5825,5685,5495,3545,0214,7864,7084,3424,0744,0224,0533,8983,5783,7423,9933,8373,8304,4074,5854,9814,738
EBITDA Margin-0.8%1.00*1.01*0.98*1.02*1.05*1.11*1.17*1.22*1.27*1.31*1.32*1.30*1.23*1.11*-------
Interest Expenses0%4,4054,4054,4664,3624,1204,0514,1063,9283,8023,7893,8303,6583,3123,4393,6593,4573,3963,8904,0294,3894,155
Income Taxes-51.6%20141599.0020517318916421926230123435939929020699.0011.0096.00190319276
Earnings Before Taxes-50.6%8441,7085398337427907419221,0661,2331,0471,5001,6411,31594441259.003829211,3751,129
EBT Margin0.1%0.18*0.18*0.14*0.16*0.17*0.20*0.23*0.26*0.30*0.35*0.36*0.36*0.28*0.18*-------
Net Income-50.3%6431,2934406285696015777038049328131,1411,2421,02573831348.002867311,056853
Net Income Margin-0.1%0.14*0.14*0.11*0.12*0.13*0.15*0.18*0.20*0.23*0.27*0.28*0.27*0.22*0.14*-------
Free Cashflow10.5%2,4842,2482,3172,4821,9081,8861,8471,6341,8171,3962,0041,8151,4411,839-------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2024Q22024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q2
Assets-0.6%120,489121,173117,479112,939108,697107,853104,564100,76695,20095,26795,74891,93792,01795,85495,94895,65896,54498,038104,826105,943106,388
    Cash Equivalents-6.7%18,68020,02114,25915,64312,70615,30310,43011,96210,68210,5418,3379,80611,11716,62011,60513,55216,34413,70412,64711,46111,755
  Goodwill18.7%1,2741,0731,0181,1051,1051,1051,1051,1051,1051,1051,1051,1051,1051,1041,0781,0781,0781,0781,0781,0781,078
Liabilities-0.9%104,949105,891103,57699,17295,31794,66091,69187,75481,80781,84982,09378,00177,82082,41583,24783,55984,64586,06889,73890,82391,654
  Long Term Debt-3.1%15,63716,13315,98215,23114,23114,93414,19114,32112,15713,36014,50712,76013,45715,16015,77515,77116,06917,24819,86620,36321,244
Shareholder's Equity1.7%15,54015,28213,90313,76713,38013,19312,87313,01213,39313,41813,65513,93614,19713,43912,70112,09911,89911,97015,08815,12014,734
  Retained Earnings2.6%20,31019,79018,66218,33817,82817,36916,71616,25215,67915,00314,24513,56212,56011,47010,62110,0249,8529,96012,11711,53310,627
  Additional Paid-In Capital0.3%9,7939,7689,7759,7509,7279,7059,7189,6859,6639,6439,6699,6499,6209,5929,5709,5529,5329,5239,5379,5209,500
Shares Outstanding-1.5%395401407414418428438459488506527547573--------
Float-----14,182---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/Q2024Q22024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q2
Cashflow From Operations10.5%2,4842,2482,3172,4821,9081,8861,8471,6341,8171,3962,0041,8151,4411,8392,0861,4832,3811,5372,3362,3991,966
Cashflow From Investing-414.2%-2,507798-7,169-2,568-5,189692-6,858-4,142-1,0521,818-5,764-1,834-1,8534,637-3,259-3,1712,0453,887681-1,570-3,182
Cashflow From Financing-152.5%-1,3672,6043,4733,0312162,9122,3804,779-899-9762,546-1,623-5,148-979-848-1,100-1,796-4,287-2,091-1,25368.00
  Dividend Payments-2.0%10010210310499.00100103109108114120124128128128129128135141145145
  Buy Backs1.7%3053002531523034047019507019689821,301393200---9851,376550725
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SYF Income Statement

2024-03-31
Condensed Consolidated Statements of Earnings (Unaudited) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Interest income:  
Interest and fees on loans (Note 5)[1]$ 5,293$ 4,616
Interest on cash and debt securities275170
Total interest income5,5684,786
Interest expense:  
Interest on deposits954557
Interest on senior and subordinated unsecured notes104101
Total interest expense1,163735
Net interest income4,4054,051
Retailer share arrangements(764)(917)
Provision for credit losses (Note 5)1,8841,290
Net interest income, after retailer share arrangements and provision for credit losses1,7571,844
Other income:  
Interchange revenue241232
Protection product revenue141115
Loyalty programs(319)(298)
Other (Note 3)1,09416
Total other income1,15765
Other expense:  
Employee costs496451
Professional fees220186
Marketing and business development125131
Information processing186166
Other179185
Total other expense1,2061,119
Earnings before provision for income taxes1,708790
Provision for income taxes (Note 14)415189
Net earnings1,293601
Net earnings available to common stockholders$ 1,282$ 590
Earnings per share (Note 12)  
Basic (in usd per share)$ 3.17$ 1.36
Diluted (in usd per share)$ 3.14$ 1.35
Variable Interest Entity, Primary Beneficiary  
Interest income:  
Interest and fees on loans (Note 5)$ 1,000$ 948
Interest expense:  
Interest on borrowings of consolidated securitization entities10577
Provision for credit losses (Note 5)$ 165$ 120
[1]Deferred merchant discounts to be recognized in interest income at March 31, 2024 and December 31, 2023, were $1.8 billion and $1.9 billion, respectively, which are included in Accrued expenses and other liabilities in our Condensed Consolidated Statement of Financial Position.

SYF Balance Sheet

2024-03-31
Condensed Consolidated Statements of Financial Position - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Assets  
Cash and equivalents$ 20,021$ 14,259
Debt securities (Note 4)3,0053,799
Total loan receivables[1],[2]101,733102,988
Less: Allowance for credit losses(10,905)(10,571)
Loan receivables, net90,82892,417
Goodwill (Note 7)1,0731,018
Intangible assets, net (Note 7)800815
Other assets5,4464,915
Assets held for sale (Note 3)0256
Total assets121,173117,479
Deposits: (Note 8)  
Interest-bearing deposit accounts83,16080,789
Non-interest-bearing deposit accounts394364
Total deposits83,55481,153
Borrowings: (Notes 6 and 9)  
Senior and subordinated unsecured notes8,1178,715
Total borrowings[3]16,13315,982
Accrued expenses and other liabilities6,2046,334
Liabilities held for sale (Note 3)0107
Total liabilities105,891103,576
Equity:  
Preferred stock, par share value $0.001 per share; 1,250,000 and $750,000 shares authorized at March 31, 2024 and December 31, 2023, respectively; 1,250,000 and $750,000 shares issued and outstanding at March 31, 2024 and December 31, 2023, respectively, and aggregate liquidation preference of $1,250 at March 31, 2024 and $750 at December 31, 20231,222734
Common Stock, par share value $0.001 per share; 4,000,000,000 shares authorized; 833,984,684 shares issued at both March 31, 2024 and December 31, 2023; 401,410,596 and 406,875,775 shares outstanding at March 31, 2024 and December 31, 2023, respectively11
Additional paid-in capital9,7689,775
Retained earnings19,79018,662
Accumulated other comprehensive income (loss):  
Debt securities(34)(33)
Currency translation adjustments(38)(38)
Employee benefit plans33
Treasury stock, at cost; 432,574,088 and 427,108,909 shares at March 31, 2024 and December 31, 2023, respectively(15,430)(15,201)
Total equity15,28213,903
Total liabilities and equity121,173117,479
Unsecuritized loans held for investment  
Assets  
Total loan receivables81,64281,554
Restricted loans of consolidated securitization entities  
Assets  
Total loan receivables20,09121,434
Less: Allowance for credit losses(1,800)(1,900)
Loan receivables, net[4]18,25919,537
Other assets[5]4947
Total assets18,30819,584
Borrowings: (Notes 6 and 9)  
Borrowings of consolidated securitization entities[3]8,0167,267
Total liabilities$ 8,047$ 7,298
[1]At March 31, 2024 and December 31, 2023, loan receivables included deferred costs and purchase discounts, net of deferred income, of $(120) million and $213 million, respectively.
(c)At March 31, 2024 and December 31, 2023, $23.2 billion and $22.4 billion, respectively, of loan receivables were pledged by the Bank as collateral to the Federal Reserve to secure Federal Reserve discount window advances.
[2]Total loan receivables include $20.1 billion and $21.4 billion of restricted loans of consolidated securitization entities at March 31, 2024 and December 31, 2023, respectively. See Note 6. Variable Interest Entities for further information on these restricted loans.
[3]Includes unamortized debt premiums, discounts and issuance costs.
(b)The Company may redeem certain borrowings prior to their original contractual maturity dates in accordance with the optional redemption provision specified in the respective instruments.
[4]Includes $1.8 billion and $1.9 billion of related allowance for credit losses resulting in gross restricted loans of $20.1 billion and $21.4 billion at March 31, 2024 and December 31, 2023, respectively.
[5]Includes $47 million and $45 million of segregated funds held by the VIEs at March 31, 2024 and December 31, 2023, 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.
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
 WEBSITEsynchrony.com
 INDUSTRYCredit Services
 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 Jul 19 2024, market cap of Synchrony Financial is 19.75 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 Jul 19 2024, SYF's PE ratio (Price to Earnings) is 6.57 and Price to Sales (PS) ratio is 0.9. 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.