Last 7 days
-16.2%
Last 30 days
-22.0%
Last 90 days
-14.0%
Trailing 12 Months
-18.5%
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% |
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 |
67.7%
56.9%
33.5%
Y-axis is the maximum loss one would have experienced if Synchrony Financial was unfortunately bought at previous high price.
2.9%
-1.4%
8.9%
FIve years rolling returns for Synchrony Financial.
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% |
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 |
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% |
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 |
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 |
Condensed 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) |
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) | 5,082 | 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 | ||||||
|