SYF RSI Chart
Last 7 days
-0.5%
Last 30 days
5.0%
Last 90 days
9.5%
Trailing 12 Months
30.0%
Historical Charts for Stock Metrics
Year | Q1 | Q2 | Q3 | Q4 |
---|---|---|---|---|
2023 | 17.9B | 18.9B | 19.9B | 20.7B |
2022 | 15.6B | 16.0B | 16.5B | 17.1B |
2021 | 15.4B | 15.2B | 15.2B | 15.3B |
2020 | 18.7B | 17.8B | 16.7B | 16.1B |
2019 | 18.5B | 19.1B | 19.4B | 19.1B |
2018 | 16.7B | 16.9B | 17.4B | 18.0B |
2017 | 15.2B | 15.6B | 16.1B | 16.4B |
2016 | 13.6B | 13.9B | 14.3B | 14.8B |
2015 | 12.5B | 12.7B | 13.0B | 13.2B |
2014 | 11.5B | 11.8B | 12.0B | 12.2B |
2013 | 10.6B | 10.8B | 11.1B | 11.3B |
2012 | 0 | 0 | 0 | 10.3B |
Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
---|---|---|---|---|---|---|
Mar 15, 2024 | howse curtis | sold | -264,585 | 42.82 | -6,179 | see remarks |
Mar 15, 2024 | schaller bart | acquired | 449,907 | 29.7892 | 15,103 | see remarks |
Mar 15, 2024 | schaller bart | sold | -2,645,460 | 42.82 | -61,781 | see remarks |
Mar 05, 2024 | juel carol | sold | -2,895,590 | 40.5 | -71,496 | see remarks |
Mar 05, 2024 | doubles brian d | acquired | 1,373,010 | 23.00 | 59,696 | see remarks |
Mar 05, 2024 | casellas alberto | acquired | 93,180 | 24.5406 | 3,797 | see remarks |
Mar 05, 2024 | juel carol | acquired | 851,570 | 29.7617 | 28,613 | see remarks |
Mar 05, 2024 | wenzel brian j. sr. | acquired | 191,005 | 30.41 | 6,281 | see remarks |
Mar 05, 2024 | mothner jonathan s | sold | -1,458,000 | 40.5 | -36,000 | see remarks |
Mar 05, 2024 | nalluswami maran | acquired | 30,191 | 25.35 | 1,191 | see remarks |
Which funds bought or sold SYF recently?
View All DetailsDatesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
---|---|---|---|---|---|---|
Mar 22, 2024 | PNC FINANCIAL SERVICES GROUP, INC. | added | 21.18 | 759,657 | 2,238,060 | -% |
Mar 21, 2024 | HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND | reduced | -59.38 | -2,408,850 | 2,482,350 | 0.01% |
Mar 15, 2024 | B. Riley Wealth Advisors, Inc. | added | 8.2 | 117,977 | 453,400 | 0.01% |
Mar 14, 2024 | HENNESSY ADVISORS INC | new | - | 496,470 | 496,470 | 0.03% |
Mar 11, 2024 | VANGUARD GROUP INC | reduced | -1.1 | 387,278,000 | 2,031,650,000 | 0.04% |
Mar 08, 2024 | TRUST CO OF VERMONT | reduced | -28.57 | -18,432 | 152,760 | 0.01% |
Mar 01, 2024 | ROYAL LONDON ASSET MANAGEMENT LTD | reduced | -7.78 | 991,884 | 7,523,620 | 0.02% |
Mar 01, 2024 | GOLDMAN SACHS GROUP INC | added | 64.66 | 205,371,000 | 399,666,000 | 0.04% |
Feb 29, 2024 | Scarborough Advisors, LLC | new | - | 9,181 | 9,181 | -% |
Feb 29, 2024 | Tortoise Investment Management, LLC | unchanged | - | 153 | 764 | -% |
Unveiling Synchrony Financial's Major ShareHolders
Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
---|---|---|---|---|---|
Peers (Alternatives to Synchrony Financial)
Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
---|---|---|---|---|---|---|---|---|
LARGE-CAP | ||||||||
MA | 451.4B | 25.1B | 40.32 | 17.99 | ||||
AXP | 164.9B | 60.5B | 19.69 | 2.72 | ||||
PYPL | 71.3B | 29.8B | 16.8 | 2.4 | ||||
COF | 55.0B | 41.9B | 11.14 | 1.31 | ||||
DFS | 32.1B | 17.8B | 10.85 | 1.8 | ||||
ALLY | 12.1B | 14.0B | 11.86 | 0.87 | ||||
MID-CAP | ||||||||
CACC | 6.8B | 1.9B | 23.72 | 3.57 | ||||
FCFS | 5.7B | 3.2B | 25.96 | 1.81 | ||||
WU | 4.7B | 4.4B | 7.49 | 1.08 | ||||
NNI | 3.5B | 1.1B | 38.15 | 3.15 | ||||
SMALL-CAP | ||||||||
ENVA | 1.8B | 2.1B | 10.01 | 0.83 | ||||
ATLC | 445.7M | 1.2B | 4.33 | 0.39 | ||||
CPSS | 166.7M | 352.0M | 3.68 | 0.47 | ||||
AIHS | 8.3M | 7.3M | -2.16 | 1.14 | ||||
CURO | 3.7M | 853.2M | -0.01 | 0 |
Synchrony Financial News
Income Statement (Quarterly) | ||||||||||||||||||||||
Description | (%) Q/Q | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 |
Revenue | 3.6% | 5,549 | 5,354 | 5,021 | 4,786 | 4,708 | 4,342 | 4,074 | 4,022 | 4,053 | 3,898 | 3,578 | 3,742 | 3,993 | 3,837 | 3,830 | 4,407 | 4,585 | 4,981 | 4,738 | 4,786 | 4,876 |
EBITDA Margin | -3.2% | 0.98* | 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 | 2.4% | 4,466 | 4,362 | 4,120 | 4,051 | 4,106 | 3,928 | 3,802 | 3,789 | 3,830 | 3,658 | 3,312 | 3,439 | 3,659 | 3,457 | 3,396 | 3,890 | 4,029 | 4,389 | 4,155 | 4,226 | 4,333 |
Income Taxes | -51.7% | 99.00 | 205 | 173 | 189 | 164 | 219 | 262 | 301 | 234 | 359 | 399 | 290 | 206 | 99.00 | 11.00 | 96.00 | 190 | 319 | 276 | 355 | 229 |
Earnings Before Taxes | -35.3% | 539 | 833 | 742 | 790 | 741 | 922 | 1,066 | 1,233 | 1,047 | 1,500 | 1,641 | 1,315 | 944 | 412 | 59.00 | 382 | 921 | 1,375 | 1,129 | 1,462 | 1,012 |
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% | 440 | 628 | 569 | 601 | 577 | 703 | 804 | 932 | 813 | 1,141 | 1,242 | 1,025 | 738 | 313 | 48.00 | 286 | 731 | 1,056 | 853 | 1,107 | 783 |
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% | 2,317 | 2,482 | 1,908 | 1,886 | 1,847 | 1,634 | 1,817 | 1,396 | 2,004 | 1,815 | 1,441 | 1,839 | 2,086 | - | - | - | - | - | - | - | - |
Balance Sheet | ||||||||||||||||||||||
Description | (%) Q/Q | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 |
Assets | 4.0% | 117,479 | 112,939 | 108,697 | 107,853 | 104,564 | 100,766 | 95,200 | 95,267 | 95,748 | 91,937 | 92,017 | 95,854 | 95,948 | 95,658 | 96,544 | 98,038 | 104,826 | 105,943 | 106,388 | 105,384 | 106,792 |
Cash Equivalents | -8.8% | 14,259 | 15,643 | 12,706 | 15,303 | 10,294 | 11,962 | 10,682 | 10,541 | 8,337 | 9,806 | 11,117 | 16,620 | 11,605 | 13,552 | 16,344 | 13,704 | 12,647 | 11,461 | 11,755 | 12,963 | 10,376 |
Goodwill | -7.9% | 1,018 | 1,105 | 1,105 | 1,105 | 1,105 | 1,105 | 1,105 | 1,105 | 1,105 | 1,105 | 1,105 | 1,104 | 1,078 | 1,078 | 1,078 | 1,078 | 1,078 | 1,078 | 1,078 | 1,076 | 1,024 |
Liabilities | 4.4% | 103,576 | 99,172 | 95,317 | 94,660 | 91,691 | 87,754 | 81,807 | 81,849 | 82,093 | 78,001 | 77,820 | 82,415 | 83,247 | 83,559 | 84,645 | 86,068 | 89,738 | 90,823 | 91,654 | 90,675 | 92,114 |
Long Term Debt | 4.9% | 15,982 | 15,231 | 14,231 | 14,934 | 14,191 | 14,321 | 12,157 | 13,360 | 14,507 | 12,760 | 13,457 | 15,160 | 15,775 | 15,771 | 16,069 | 17,248 | 19,866 | 20,363 | 21,244 | 21,891 | 23,996 |
Shareholder's Equity | 1.0% | 13,903 | 13,767 | 13,380 | 13,193 | 12,873 | 13,012 | 13,393 | 13,418 | 13,655 | 13,936 | 14,197 | 13,439 | 12,701 | 12,099 | 11,899 | 11,970 | 15,088 | 15,120 | 14,734 | 14,709 | 14,678 |
Retained Earnings | 1.8% | 18,662 | 18,338 | 17,828 | 17,369 | 16,716 | 16,252 | 15,679 | 15,003 | 14,245 | 13,562 | 12,560 | 11,470 | 10,621 | 10,024 | 9,852 | 9,960 | 12,117 | 11,533 | 10,627 | 9,939 | 8,986 |
Additional Paid-In Capital | 0.3% | 9,775 | 9,750 | 9,727 | 9,705 | 9,718 | 9,685 | 9,663 | 9,643 | 9,669 | 9,649 | 9,620 | 9,592 | 9,570 | 9,552 | 9,532 | 9,523 | 9,537 | 9,520 | 9,500 | 9,489 | 9,482 |
Shares Outstanding | -1.7% | 407 | 414 | 418 | 428 | 438 | 459 | 488 | 506 | 527 | 547 | 573 | 581 | 584 | - | - | - | - | - | - | - | - |
Float | - | - | - | 14,182 | - | - | - | 13,474 | - | - | - | 27,822 | - | - | - | 12,935 | - | - | - | 23,206 | - | - |
Cashflow (Quarterly) | ||||||||||||||||||||||
Description | (%) Q/Q | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 |
Cashflow From Operations | -6.6% | 2,317 | 2,482 | 1,908 | 1,886 | 1,847 | 1,634 | 1,817 | 1,396 | 2,004 | 1,815 | 1,441 | 1,839 | 2,086 | 1,483 | 2,381 | 1,537 | 2,336 | 2,399 | 1,966 | 2,289 | 2,576 |
Cashflow From Investing | -179.2% | -7,169 | -2,568 | -5,189 | 692 | -6,858 | -4,142 | -1,052 | 1,818 | -5,764 | -1,834 | -1,853 | 4,637 | -3,259 | -3,171 | 2,045 | 3,887 | 681 | -1,570 | -3,182 | 3,810 | -6,285 |
Cashflow From Financing | 14.6% | 3,473 | 3,031 | 216 | 2,912 | 2,380 | 4,779 | -899 | -976 | 2,546 | -1,623 | -5,148 | -979 | -848 | -1,100 | -1,796 | -4,287 | -2,091 | -1,253 | 68.00 | -3,182 | 1,814 |
Dividend Payments | -1.0% | 103 | 104 | 99.00 | 100 | 103 | 109 | 108 | 114 | 120 | 124 | 128 | 128 | 128 | 129 | 128 | 135 | 141 | 145 | 145 | 150 | 151 |
Buy Backs | 66.4% | 253 | 152 | 303 | 404 | 701 | 950 | 701 | 968 | 982 | 1,301 | 393 | 200 | - | - | - | 985 | 1,376 | 550 | 725 | 967 | - |
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 securities | 808 | 265 | 43 |
Total interest income | 20,710 | 17,146 | 15,271 |
Interest expense: | |||
Interest on deposits | 2,952 | 1,008 | 566 |
Interest on senior unsecured notes | 419 | 317 | 297 |
Total interest expense | 3,711 | 1,521 | 1,032 |
Net interest income | 16,999 | 15,625 | 14,239 |
Retailer share arrangements | (3,661) | (4,331) | (4,528) |
Provision for credit losses (Note 5) | 5,965 | 3,375 | 726 |
Net interest income, after retailer share arrangements and provision for credit losses | 7,373 | 7,919 | 8,985 |
Other income: | |||
Interchange revenue | 1,031 | 982 | 880 |
Protection product revenue | 510 | 387 | 284 |
Loyalty programs | (1,370) | (1,257) | (992) |
Other | 118 | 268 | 309 |
Total other income | 289 | 380 | 481 |
Other expense: | |||
Employee costs | 1,884 | 1,681 | 1,501 |
Professional fees | 842 | 832 | 782 |
Marketing and business development | 527 | 487 | 486 |
Information processing | 712 | 623 | 550 |
Other | 793 | 714 | 644 |
Total other expense | 4,758 | 4,337 | 3,963 |
Earnings before provision for income taxes | 2,904 | 3,962 | 5,503 |
Provision for income taxes (Note 15) | 666 | 946 | 1,282 |
Net earnings | 2,238 | 3,016 | 4,221 |
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 entities | 340 | 196 | 169 |
Provision for credit losses (Note 5) | $ 857 | $ 365 | $ (105) |
Consolidated Statements of Financial Position - USD ($) $ in Millions | Dec. 31, 2023 | Dec. 31, 2022 |
---|---|---|
Assets | ||
Cash and equivalents | $ 14,259 | $ 10,294 |
Debt securities | 3,799 | 4,879 |
Total loan receivables | 102,988 | 92,470 |
Less: Allowance for credit losses | (10,571) | (9,527) |
Loan receivables, net | 92,417 | 82,943 |
Goodwill (Note 7) | 1,018 | 1,105 |
Intangible assets, net (Note 7) | 815 | 742 |
Other assets | 4,915 | 4,601 |
Assets held for sale (Note 3) | 256 | 0 |
Total assets | 117,479 | 104,564 |
Deposits: (Note 8) | ||
Interest-bearing deposit accounts | 80,789 | 71,336 |
Non-interest-bearing deposit accounts | 364 | 399 |
Total deposits | 81,153 | 71,735 |
Borrowings: (Notes 6 and 9) | ||
Senior and subordinated unsecured notes | 8,715 | 7,964 |
Total borrowings | 15,982 | 14,191 |
Accrued expenses and other liabilities | 6,334 | 5,765 |
Liabilities held for sale | 107 | 0 |
Total liabilities | 103,576 | 91,691 |
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 2022 | 734 | 734 |
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, respectively | 1 | 1 |
Additional paid-in capital | 9,775 | 9,718 |
Retained earnings | 18,662 | 16,716 |
Accumulated other comprehensive income (loss): | ||
Debt securities | (33) | (93) |
Currency translation adjustments | (38) | (38) |
Employee benefit plans | 3 | 6 |
Treasury stock, at cost; 427,108,909 and 395,767,929 shares at December 31, 2023 and 2022, respectively | (15,201) | (14,171) |
Total equity | 13,903 | 12,873 |
Total liabilities and equity | 117,479 | 104,564 |
Variable Interest Entity, Primary Beneficiary | ||
Assets | ||
Total loan receivables | 21,434 | 19,832 |
Less: Allowance for credit losses | (1,900) | (1,800) |
Loan receivables, net | 19,537 | 18,015 |
Other assets | 47 | 61 |
Total assets | 19,584 | 18,076 |
Borrowings: (Notes 6 and 9) | ||
Borrowings of consolidated securitization entities | 7,267 | 6,227 |
Total liabilities | 7,298 | 6,250 |
Unsecuritized Loans Held for Investment | ||
Assets | ||
Total loan receivables | $ 81,554 | $ 72,638 |
 | Mr. Brian D. Doubles |
---|---|
 | www.synchrony.com |
 | 18500 |