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SYF

34.72USD+0.08(+0.23%)Delayedas of 07 Dec 2022, 10:08 am

Synchrony Financial

Market Summary

USD34.72+0.08Delayedas of 07 Dec 2022, 10:08 am
0.23%

SYF Alerts

SYF Stock Price

RSI Chart

Valuation

Market Cap

16.6B

Price/Earnings

5.1

Price/Sales

1.01

Price/Cashflow

2.42

MarketCap/EBT

3.88

Price/Sales

Profitability

EBT Margin

25.88%

Return on Equity

24.99%

Return on Assets

3.23%

Fundamentals

Revenue

Revenue (TTM)

16.5B

Revenue Y/Y

11.39%

Revenue Q/Q

6.58%

Earnings

Earnings (TTM)

3.3B

Earnings Y/Y

-38.39%

Earnings Q/Q

-12.56%

Price Action

52 Week Range

26.8549.00
(Low)(High)

Last 7 days

-7.1%

Last 30 days

-1.1%

Last 90 days

9.1%

Trailing 12 Months

-23.4%

Financial Health

Debt/Equity

1.1

Debt/Cashflow

0.48

Investor Care

Dividend Yield

2.47%

Dividend/Share (TTM)

0.89

Buy Backs (1Y)

17.67%

Diluted EPS (TTM)

6.34

Peers (Alternatives to Synchrony Financial)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
112.4B
36.7B
6.90% -2.47%
14.67
2.7
36.20% -1.52%
41.1B
27.4B
-7.74% -34.23%
4.13
1.51
17.26% -31.75%
28.9B
9.8B
4.61% -5.21%
6.52
2.46
14.69% -14.57%
16.6B
16.5B
-1.09% -23.41%
5.1
1.01
8.41% -21.56%
MID-CAP
8.7B
9.2B
-1.25% -44.24%
3.49
0.95
8.32% -12.52%
6.1B
1.8B
3.39% -29.32%
7.72
3.3
-0.20% -30.97%
4.7B
4.4B
2.35% -19.37%
4.88
1.06
2.14% -31.84%
4.4B
1.9B
2.75% -8.08%
5.17
2.3
6.03% -38.64%
2.2B
2.8B
11.60% -18.43%
4.16
0.78
3.28% -42.06%
SMALL-CAP
1.1B
764.0M
-0.52% -67.23%
62.99
1.46
52.02% 109.91%
1.0B
1.4B
5.86% -47.78%
20.72
0.73
3.70% 40.66%
204.8M
1.0B
3.53% -78.02%
-2.14
0.2
33.81% -164.81%
184.0M
174.9M
-1.67% -10.41%
3.14
1.05
17.96% 3714.40%
130.2M
315.9M
37.98% 1.84%
1.65
0.44
21.83% 177.67%
31.7M
497.0M
77.45% -43.26%
-0.5
0.07
31.54% -1140.00%

Financials for Synchrony Financial

Income Statement (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Revenue2.8%16,49116,04715,55115,27115,211
Earnings Before Taxes-11.9%4,2684,8465,4215,5035,400
Net Income-11.9%3,2523,6904,1284,2214,146
Balance Sheet
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Assets5.8%100,76695,20095,26795,74891,937
    Cash Equivalents12.0%11,96210,68210,5418,3379,806
  Goodwill0%1,1051,1051,1051,1051,105
Liabilities7.3%87,75481,80781,84982,09378,001
  Long Term Debt17.8%14,32112,15713,36014,50712,760
Shareholder's Equity-2.8%13,01213,39313,41813,65513,936
  Retained Earnings3.7%16,25215,67915,00314,24513,562
  Additional Paid-In Capital0.2%9,6859,6639,6439,6699,649
Shares Outstanding-5.9%459488506527547
* denotes actual numbers (not divided by Millions)
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Cashflow From Operations-2.6%6,8517,0326,6567,0997,181
Cashflow From Investing-33.8%-9,140.00-6,832.00-7,633.00-4,814.00-2,309.00
Cashflow From Financing672.5%5,450-952.00-5,201.00-5,204.00-8,598.00
  Dividend Payments-4.1%466486500508
  Buy Backs-8.9%3,6013,9523,6442,8761,894

Risks

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

53.1%


Probability that Synchrony Financial stock will be more than 30% underwater in next one year.

31.9%


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.

Returns

Cumulative Returns on SYF

3.7%


7-Year Cumulative Returns

1.1%


5-Year Cumulative Returns

-0.2%


3-Year Cumulative Returns

What are the long-term rolling returns for SYF?

FIve years rolling returns for Synchrony Financial.

Which funds bought or sold SYF recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2022-11-23
Eagle Bay Advisors LLC
ADDED
2.75
2,698
60,000
0.04%
2022-11-23
Toroso Investments, LLC
ADDED
26.92
61,000
266,000
0.01%
2022-11-23
Invst, LLC
REDUCED
-0.44
-61,000
396,000
0.07%
2022-11-22
CVA Family Office, LLC
-
-
9,000
19,000
-%
2022-11-22
B. Riley Wealth Advisors, Inc.
ADDED
3.19
25,000
510,000
0.01%
2022-11-22
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
NEW
-
18,750,000
18,750,000
0.22%
2022-11-21
Parallax Volatility Advisers, L.P.
ADDED
1,592.66
4,163,000
4,419,000
0.01%
2022-11-21
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM
-
-
-666,000
22,674,000
0.04%
2022-11-21
FourThought Financial, LLC
-
-
-
1,000
-%
2022-11-18
National Pension Service
REDUCED
-2.95
363,000
27,584,000
0.06%

1–10 of 44

Latest Funds Activity

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

Synchrony Financial News

Nasdaq

Owl Rock Capital Corporation (ORCC) Up 1.6% Since Last Earnings Report: Can It Continue?.4 days ago

SYF Fair Value

Recent SEC filings of Synchrony Financial

View All Filings
Date Filed Form Type Document
Nov 30, 2022
4
Insider Trading
Nov 15, 2022
4
Insider Trading
Nov 15, 2022
4
Insider Trading
Nov 15, 2022
4
Insider Trading
Nov 15, 2022
4
Insider Trading
Nov 15, 2022
4
Insider Trading
Nov 15, 2022
4
Insider Trading
Nov 15, 2022
4
Insider Trading
Nov 15, 2022
4
Insider Trading
Nov 15, 2022
4
Insider Trading

Latest Insider Trading transactions for SYF

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2022-11-28
KEANE MARGARET M
SOLD
-2,495,470
36.5
-68,369
See remarks
2022-11-11
Schaller Bart
SOLD
-1,015,280
39.2
-25,900
See remarks
2022-11-11
Juel Carol
SOLD
-1,252,120
40
-31,303
See remarks
2022-11-10
Chytil Kamila K
ACQUIRED
697.14
38.73
18
-
2022-11-10
Parker P.W.
ACQUIRED
1,161.9
38.73
30
-
2022-11-10
Juel Carol
ACQUIRED
12,780.9
38.73
330
See remarks
2022-11-10
MELITO DAVID P
ACQUIRED
28,527.1
24.55
1,162
See remarks
2022-11-10
MELITO DAVID P
ACQUIRED
3,369.51
38.73
87
See remarks
2022-11-10
Richie Laurel
ACQUIRED
1,161.9
38.73
30
-
2022-11-10
Wenzel Brian J. Sr.
ACQUIRED
15,104.7
38.73
390
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.