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Synchrony Financial (NYSE:SYF)
Stock Price:
$33.94
+1.03
(3.13%)
Updated
May 25, 2022 08:00 PM GMT+0000
Overview
Financials
Statistics
Profile
Chart
| Market Cap | 17.02B |
|---|---|
| Revenue | 17B |
| Gross Profit | 16.09B |
| Shares Out | 501.49M |
| EPS (ttm) | 7.4 |
| PE Ratio | 4.0382 |
| Forward PE | 5.7003 |
| Dividend Rate (ttm) | 0.8730 |
| Dividend Yield | 0.0265 |
| Trading Day | May 25 |
|---|---|
| Last Price | $33.94 |
| Previous Close | $32.91 |
| Change ($) | 1.03 |
| Change (%) | 3.13% |
| Day's Open | 32.77 |
| Day's Range | 32.5 - 34.065 |
| Day's Volume | 6.63M |
| 52 Week Range | 31.37 - 51.68 |
About
Country
United States
Industry
All Other Nondepository Credit Intermediation
Sector
Finance and Insurance
Employees
16,500
CEO
Alberto Casellas
Address
777 Long Ridge Rd
Stamford
Connecticut
06902-1250
Stamford
Connecticut
06902-1250
Phone
12035856730
Website
www.synchronyfinancial.com
Ticker Symbol
SYF
Exchange
New York Stock Exchange
Reporting Currency
USD
News
Synchrony Financial earnings reports (2020)
| Q3 2020 | Q2 2020 | Q1 2020 | |
|---|---|---|---|
| Actual EPS | 0.63 | 0.06 | 0.45 |
| Consensus EPS | 0.74 | 0.13 | -0.19 |
| Announce Time | BTO | BTO | BTO |
| Number of Estimates | 19 | 17 | 14 |
| EPS Surprise Dollar | -0.11 | -0.07 | 0.64 |
| EPS Report Date | 20-10-2020 | 21-07-2020 | 21-04-2020 |
| Fiscal End Date | 30-09-2020 | 30-06-2020 | 31-03-2020 |
| Year Ago | 1.22 | 0.97 | 1 |
| Year Ago % Change | -48.36% | -93.81% | -55% |
Synchrony Financial earnings reports (2019)
| Q4 2019 | Q3 2019 | Q2 2019 | |
|---|---|---|---|
| Actual EPS | 1.2 | 1.22 | 0.97 |
| Consensus EPS | 1.07 | 1.13 | 0.95 |
| Announce Time | BTO | BTO | BTO |
| Number of Estimates | 17 | 17 | 14 |
| EPS Surprise Dollar | 0.13 | 0.09 | 0.02 |
| EPS Report Date | 24-01-2020 | 18-10-2019 | 19-07-2019 |
| Fiscal End Date | 31-12-2019 | 30-09-2019 | 30-06-2019 |
| Year Ago | 1.09 | 0.91 | 0.92 |
| Year Ago % Change | 10.09% | 34.07% | 5.43% |
Synchrony Financial income statements (2020) (USD)
| October 2020 | September 2020 | June 2020 | March 2020 | |
|---|---|---|---|---|
| Total Revenue | 3.97B | 3.07B | 3.15B | 3.58B |
| Cost of Revenue | 1.21B | 328M | 375M | 438M |
| Gross Profit | 2.76B | 2.74B | 2.78B | 3.14B |
| Research & Development | 0 | N.A | N.A | N.A |
| Selling General & Admin | 107M | N.A | N.A | N.A |
| Operating Expense | 3.56B | 715M | 738M | 837M |
| Operating Income | 412M | 1.85B | 1.87B | 2.22B |
| Other Income Expense Net | 0 | -1.43B | -1.81B | -1.84B |
| EBIT | 412M | 1.85B | 1.87B | 2.22B |
| Interest Income | 0 | 135M | 141M | 161M |
| Pretax Income | 412M | 412M | 59M | 382M |
| Income Tax | 99M | 99M | 11M | 96M |
| Minority Interest | 0 | 0 | 0 | 0 |
| Net Income | 303M | 313M | 48M | 286M |
| Net Income Basic | 303M | 303M | 37M | 275M |
Synchrony Financial income statements (2019) (USD)
| December 2019 | September 2019 | June 2019 | March 2019 | |
|---|---|---|---|---|
| Total Revenue | 3.66B | 4.05B | 3.97B | 3.92B |
| Cost of Revenue | 461M | 489M | 472M | 445M |
| Gross Profit | 3.20B | 3.56B | 3.50B | 3.48B |
| Research & Development | N.A | N.A | N.A | N.A |
| Selling General & Admin | N.A | N.A | N.A | N.A |
| Operating Expense | 0.90B | 0.93B | 0.93B | 880M |
| Operating Income | 2.20B | 2.58B | 2.51B | 2.51B |
| Other Income Expense Net | -1.28B | -1.2B | -1.38B | -1.04B |
| EBIT | 2.20B | 2.58B | 2.51B | 2.51B |
| Interest Income | 173M | 181M | 186M | 185M |
| Pretax Income | 0.92B | 1.38B | 1.13B | 1.46B |
| Income Tax | 190M | 319M | 276M | 355M |
| Minority Interest | 0 | 0 | 0 | 0 |
| Net Income | 731M | 1.06B | 853M | 1.11B |
| Net Income Basic | 731M | 1.06B | 853M | 1.11B |
Synchrony Financial income statements (2018) (USD)
| December 2018 | September 2018 | June 2018 | March 2018 | |
|---|---|---|---|---|
| Total Revenue | 4.09B | 3.89B | 3.58B | 3.60B |
| Cost of Revenue | 414M | 377M | 331M | 305M |
| Gross Profit | 3.67B | 3.51B | 3.25B | 3.29B |
| Research & Development | N.A | N.A | N.A | N.A |
| Selling General & Admin | N.A | N.A | N.A | N.A |
| Operating Expense | 896M | 811M | 688M | 667M |
| Operating Income | 2.66B | 2.52B | 2.34B | 2.36B |
| Other Income Expense Net | -1.65B | -1.63B | -1.44B | -1.52B |
| EBIT | 2.66B | 2.52B | 2.34B | 2.36B |
| Interest Income | 193M | 174M | 164M | 153M |
| Pretax Income | 1.01B | 893M | 892M | 847M |
| Income Tax | 229M | 222M | 196M | 207M |
| Minority Interest | 0 | 0 | 0 | 0 |
| Net Income | 783M | 671M | 696M | 640M |
| Net Income Basic | 783M | 671M | 696M | 640M |
Synchrony Financial income statements (2017) (USD)
| December 2017 | September 2017 | June 2017 | |
|---|---|---|---|
| Total Revenue | 3.57B | 3.50B | 3.36B |
| Cost of Revenue | 283M | 272M | 250M |
| Gross Profit | 3.29B | 3.23B | 3.11B |
| Research & Development | N.A | N.A | N.A |
| Selling General & Admin | N.A | N.A | N.A |
| Operating Expense | 668M | 625M | 592M |
| Operating Income | 2.37B | 2.33B | 2.25B |
| Other Income Expense Net | -1.5B | -1.45B | -1.46B |
| EBIT | 2.37B | 2.33B | 2.25B |
| Interest Income | 142M | 138M | 131M |
| Pretax Income | 875M | 879M | 788M |
| Income Tax | 490M | 324M | 292M |
| Minority Interest | 0 | 0 | 0 |
| Net Income | 385M | 555M | 496M |
| Net Income Basic | 385M | 555M | 496M |
Synchrony Financial balance sheet (2020) (USD)
| October 2020 | September 2020 | June 2020 | March 2020 | |
|---|---|---|---|---|
| Current Cash | 0 | 13.55B | 16.34B | 13.70B |
| Receivables | 0 | N.A | N.A | N.A |
| Inventory | 0 | N.A | N.A | N.A |
| Current Assets | 90.36B | N.A | N.A | N.A |
| Other Current Assets | 0 | N.A | N.A | N.A |
| Short Term Investments | 8.44B | N.A | N.A | N.A |
| Long Term Investments | 5.30B | 8.47B | 6.67B | 6.23B |
| Property/Plant Equipment | 0 | N.A | N.A | N.A |
| Good Will | N.A | N.A | N.A | N.A |
| Intangible Assets | 1.09B | 1.09B | 1.17B | 1.21B |
| Tangible Assets (Net) | 9.20B | 7.28B | 7.08B | 7.18B |
| Other Assets | 3.13B | 3.09B | 2.78B | 2.53B |
| Total Assets | 95.66B | 95.66B | 96.54B | 98.04B |
| Accounts Payable | 0 | N.A | N.A | N.A |
| Other Current Liabilities | 4.59B | N.A | N.A | N.A |
| Total Current Liabilities | 83.56B | N.A | N.A | N.A |
| Total Liabilities | 83.56B | 83.56B | 84.65B | 86.07B |
| Long Term Debt | 0 | 15.77B | 15.77B | 16.06B |
| Current Long Term Debt | 78.97B | N.A | 301M | 1.19B |
| Minority Interest | 0 | 0 | 0 | 0 |
| Common Stock | 9.55B | 583.77M | 583.71M | 583.23M |
| Treasury Stock | -8.18B | 8.18B | 8.18B | 8.20B |
| Retained Earnings | 10.02B | 10.02B | 9.85B | 9.96B |
| Capital Surplus | N.A | 9.55B | 9.53B | 9.52B |
| Shareholder Equity | 12.10B | 12.10B | 11.90B | 11.97B |
| Other Liabilities | N.A | N.A | N.A | N.A |
Synchrony Financial balance sheet (2019) (USD)
| December 2019 | September 2019 | June 2019 | March 2019 | |
|---|---|---|---|---|
| Current Cash | 10.80B | 11.46B | 11.76B | 12.96B |
| Receivables | N.A | N.A | N.A | N.A |
| Inventory | N.A | N.A | N.A | N.A |
| Current Assets | N.A | N.A | N.A | N.A |
| Other Current Assets | N.A | N.A | N.A | N.A |
| Short Term Investments | 1.35B | N.A | N.A | N.A |
| Long Term Investments | 5.97B | 4.64B | 6.22B | 5.57B |
| Property/Plant Equipment | N.A | N.A | N.A | N.A |
| Good Will | N.A | N.A | N.A | N.A |
| Intangible Assets | 1.27B | 1.18B | 1.22B | 1.26B |
| Tangible Assets (Net) | 10.32B | 10.51B | 10.17B | 10.18B |
| Other Assets | 2.75B | 9.99B | 10.14B | 10.05B |
| Total Assets | 104.83B | 105.94B | 106.39B | 105.38B |
| Accounts Payable | N.A | N.A | N.A | N.A |
| Other Current Liabilities | N.A | N.A | N.A | N.A |
| Total Current Liabilities | N.A | N.A | N.A | N.A |
| Total Liabilities | 89.74B | 90.82B | 91.65B | 90.68B |
| Long Term Debt | 15.66B | 20.36B | 19.31B | 19.23B |
| Current Long Term Debt | 4.21B | N.A | 1.93B | 2.66B |
| Minority Interest | 0 | 0 | 0 | 0 |
| Common Stock | 615.93M | 653.66M | 668.91M | 688.84M |
| Treasury Stock | 7.24B | 5.89B | 5.35B | 4.66B |
| Retained Earnings | 12.12B | 11.53B | 10.63B | 9.94B |
| Capital Surplus | 9.54B | 9.52B | 9.50B | 9.49B |
| Shareholder Equity | 15.09B | 15.12B | 14.73B | 14.71B |
| Other Liabilities | N.A | N.A | N.A | N.A |
Synchrony Financial balance sheet (2018) (USD)
| December 2018 | September 2018 | June 2018 | March 2018 | |
|---|---|---|---|---|
| Current Cash | 9.40B | 12.07B | 15.68B | 13.04B |
| Receivables | N.A | N.A | N.A | N.A |
| Inventory | N.A | N.A | N.A | N.A |
| Current Assets | N.A | N.A | N.A | N.A |
| Other Current Assets | N.A | N.A | N.A | N.A |
| Short Term Investments | N.A | N.A | N.A | N.A |
| Long Term Investments | 6.87B | 7.48B | 6.99B | 7.39B |
| Property/Plant Equipment | N.A | N.A | N.A | N.A |
| Good Will | N.A | N.A | N.A | N.A |
| Intangible Assets | 1.14B | 1.11B | 863M | 780M |
| Tangible Assets (Net) | 10.44B | 9.84B | 10.60B | 10.69B |
| Other Assets | 1.66B | 1.57B | 1.55B | 1.24B |
| Total Assets | 106.79B | 104.55B | 99.12B | 95.56B |
| Accounts Payable | N.A | N.A | N.A | N.A |
| Other Current Liabilities | N.A | N.A | N.A | N.A |
| Total Current Liabilities | N.A | N.A | N.A | N.A |
| Total Liabilities | 92.11B | 90.55B | 84.66B | 81.20B |
| Long Term Debt | 18.01B | 23.74B | 21.37B | 19.91B |
| Current Long Term Debt | 5.99B | N.A | 356M | 1.11B |
| Minority Interest | 0 | 0 | 0 | 0 |
| Common Stock | 718.76M | 718.71M | 746.60M | 760.28M |
| Treasury Stock | 3.73B | 3.73B | 2.84B | 2.36B |
| Retained Earnings | 8.99B | 8.36B | 7.91B | 7.33B |
| Capital Surplus | 9.48B | 9.47B | 9.49B | 9.47B |
| Shareholder Equity | 14.68B | 14B | 14.46B | 14.36B |
| Other Liabilities | N.A | N.A | N.A | N.A |
Synchrony Financial balance sheet (2017) (USD)
| December 2017 | September 2017 | June 2017 | |
|---|---|---|---|
| Current Cash | 11.60B | 13.92B | 12.02B |
| Receivables | N.A | N.A | N.A |
| Inventory | N.A | N.A | N.A |
| Current Assets | N.A | N.A | N.A |
| Other Current Assets | N.A | N.A | N.A |
| Short Term Investments | N.A | N.A | N.A |
| Long Term Investments | 4.70B | 3.49B | 4.86B |
| Property/Plant Equipment | N.A | N.A | N.A |
| Good Will | N.A | N.A | N.A |
| Intangible Assets | 749M | 772M | 787M |
| Tangible Assets (Net) | 10.64B | 10.83B | 10.80B |
| Other Assets | 1.39B | 1.81B | 2.02B |
| Total Assets | 95.81B | 92.55B | 91.14B |
| Accounts Payable | N.A | N.A | N.A |
| Other Current Liabilities | N.A | N.A | N.A |
| Total Current Liabilities | N.A | N.A | N.A |
| Total Liabilities | 81.57B | 78.15B | 76.81B |
| Long Term Debt | 18.79B | 18.37B | 17.56B |
| Current Long Term Debt | 2.01B | 1.53B | 3.15B |
| Minority Interest | 0 | 0 | 0 |
| Common Stock | 770.53M | 782.58M | 795.32M |
| Treasury Stock | 1.96B | 1.53B | 1.14B |
| Retained Earnings | 6.81B | 6.54B | 6.11B |
| Capital Surplus | 9.45B | 9.43B | 9.42B |
| Shareholder Equity | 14.23B | 14.40B | 14.33B |
| Other Liabilities | N.A | N.A | N.A |
Synchrony Financial cash flow (2020) (USD)
| October 2020 | September 2020 | June 2020 | March 2020 | |
|---|---|---|---|---|
| Net Income | 303M | 313M | 48M | 286M |
| Depreciation | 290M | 97M | 97M | 96M |
| Changes in Receivables | 0 | N.A | N.A | N.A |
| Changes in Inventories | 0 | N.A | N.A | N.A |
| Cash Change | -2.79B | -2.79B | 2.63B | 1.14B |
| Cash Flow | 5.40B | 1.48B | 2.38B | 1.54B |
| Capital Expenditures | 0 | N.A | N.A | N.A |
| Investments | N.A | -1.82B | -457M | -207M |
| Investing Activity (other) | N.A | -82M | -105M | -79M |
| Total Investing Cash Flows | 2.76B | -3.17B | 2.05B | 3.89B |
| Dividends Paid | N.A | -139M | -139M | -146M |
| Net Borrowings | 2.16B | -301M | -1.18B | -2.62B |
| Other Financing Cash Flows | N.A | -1M | -5M | -5M |
| Cash Flow Financing | -7.18B | -1.1B | -1.8B | -4.29B |
| Exchange Rate Effect | N.A | N.A | N.A | N.A |
Synchrony Financial cash flow (2019) (USD)
| December 2019 | September 2019 | June 2019 | March 2019 | |
|---|---|---|---|---|
| Net Income | 731M | 1.06B | 853M | 1.11B |
| Depreciation | 94M | 94M | 92M | 87M |
| Changes in Receivables | N.A | N.A | N.A | N.A |
| Changes in Inventories | N.A | N.A | N.A | N.A |
| Cash Change | 0.93B | -424M | -1.15B | 2.92B |
| Cash Flow | 2.34B | 2.40B | 1.97B | 2.29B |
| Capital Expenditures | N.A | N.A | N.A | N.A |
| Investments | -1.36B | 1.72B | -378M | 251M |
| Investing Activity (other) | -146M | -104M | -137M | -201M |
| Total Investing Cash Flows | 681M | -1.57B | -3.18B | 3.81B |
| Dividends Paid | -141M | -145M | -145M | -150M |
| Net Borrowings | -500M | -885M | -653M | -2.11B |
| Other Financing Cash Flows | 15M | 3M | 11M | 8M |
| Cash Flow Financing | -2.09B | -1.25B | 68M | -3.18B |
| Exchange Rate Effect | N.A | N.A | N.A | N.A |
Synchrony Financial cash flow (2018) (USD)
| December 2018 | September 2018 | June 2018 | March 2018 | |
|---|---|---|---|---|
| Net Income | 783M | 671M | 696M | 640M |
| Depreciation | 80M | 78M | 73M | 71M |
| Changes in Receivables | N.A | N.A | N.A | N.A |
| Changes in Inventories | N.A | N.A | N.A | N.A |
| Cash Change | -1.9B | -3.62B | 1.72B | 2.36B |
| Cash Flow | 2.58B | 2.69B | 2.17B | 1.92B |
| Capital Expenditures | N.A | N.A | N.A | N.A |
| Investments | 1.24B | -503M | -513M | -1.83B |
| Investing Activity (other) | -187M | -352M | -187M | -76M |
| Total Investing Cash Flows | -6.29B | -10.48B | -3.03B | 755M |
| Dividends Paid | -151M | -156M | -113M | -114M |
| Net Borrowings | 250M | 2.02B | 701M | 213M |
| Other Financing Cash Flows | -2M | -28M | -5M | 1M |
| Cash Flow Financing | 1.81B | 4.17B | 2.58B | -313M |
| Exchange Rate Effect | N.A | N.A | N.A | N.A |
Synchrony Financial cash flow (2017) (USD)
| December 2017 | September 2017 | June 2017 | |
|---|---|---|---|
| Net Income | 385M | 555M | 496M |
| Depreciation | 67M | 69M | 59M |
| Changes in Receivables | N.A | N.A | N.A |
| Changes in Inventories | N.A | N.A | N.A |
| Cash Change | -2.31B | 1.90B | 668M |
| Cash Flow | 2.47B | 2.93B | 1.77B |
| Capital Expenditures | N.A | N.A | N.A |
| Investments | -1.18B | 1.33B | 812M |
| Investing Activity (other) | -91M | -86M | -55M |
| Total Investing Cash Flows | -7.16B | -1.29B | -2.34B |
| Dividends Paid | -118M | -118M | -105M |
| Net Borrowings | 895M | -815M | 511M |
| Other Financing Cash Flows | 3M | -4M | -4M |
| Cash Flow Financing | 2.38B | 255M | 1.24B |
| Exchange Rate Effect | N.A | N.A | N.A |
Synchrony Financial dividends (USD)
| Ex date | Payment date | Record date | Declared date | Amount | Description | Frequency |
|---|---|---|---|---|---|---|
| 30-10-2020 | 12-11-2020 | 02-11-2020 | N.A | 0.22 | Ordinary Shares | Quarterly |
| 31-07-2020 | 13-08-2020 | 03-08-2020 | N.A | 0.22 | Ordinary Shares | Quarterly |
| 31-07-2020 | 13-08-2020 | 03-08-2020 | N.A | 0.22 | Ordinary Shares | Quarterly |
| 01-05-2020 | 14-05-2020 | 04-05-2020 | N.A | 0.22 | Ordinary Shares | Quarterly |
| 06-02-2020 | 13-02-2020 | 07-02-2020 | N.A | 0.22 | Ordinary Shares | Quarterly |
| 01-11-2019 | 14-11-2019 | 04-11-2019 | N.A | 0.22 | Ordinary Shares | Quarterly |
| 02-08-2019 | 15-08-2019 | 05-08-2019 | N.A | 0.22 | Ordinary Shares | Quarterly |
| 03-05-2019 | 16-05-2019 | 06-05-2019 | N.A | 0.21 | Ordinary Shares | Quarterly |
| 01-02-2019 | 14-02-2019 | 04-02-2019 | N.A | 0.21 | Ordinary Shares | Quarterly |
| 02-11-2018 | 15-11-2018 | 05-11-2018 | N.A | 0.21 | Ordinary Shares | Quarterly |
| 03-08-2018 | 16-08-2018 | 06-08-2018 | N.A | 0.21 | Ordinary Shares | Quarterly |
| 04-05-2018 | 17-05-2018 | 07-05-2018 | N.A | 0.15 | Ordinary Shares | Quarterly |
| 02-02-2018 | 15-02-2018 | 05-02-2018 | N.A | 0.15 | Ordinary Shares | Quarterly |
| 03-11-2017 | 16-11-2017 | 06-11-2017 | N.A | 0.15 | Ordinary Shares | Quarterly |
| 03-08-2017 | 17-08-2017 | 07-08-2017 | N.A | 0.15 | Ordinary Shares | Quarterly |
| 04-05-2017 | 18-05-2017 | 08-05-2017 | N.A | 0.13 | Ordinary Shares | Quarterly |
| 02-02-2017 | 16-02-2017 | 06-02-2017 | N.A | 0.13 | Ordinary Shares | Quarterly |
| 03-11-2016 | 17-11-2016 | 07-11-2016 | N.A | 0.13 | Ordinary Shares | Quarterly |
| 10-08-2016 | 25-08-2016 | 12-08-2016 | N.A | 0.13 | Ordinary Shares | Unspecified |
Total Valuation
Synchrony Financial has a market cap or net worth of $17.02 billion. The enterprise value is $16.50 billion.
Market Cap
17.02B
Enterprise Value
16.50B
Important Dates
Earnings Date
Jul 18, 2022
Ex-Dividend Date
n.a
Share Statistics
Synchrony Financial has 501.49 million shares outstanding.
Shares Outstanding
501.49M
Float
n.a
Valuation Ratios
The trailing PE ratio is 4.0382 and the forward PE ratio is 5.7003. Synchrony Financial's PEG ratio is 0.0373.
PE Ratio
4.0382
Forward PE
5.7003
PS Ratio
0.9708
PB Ratio
1.3000
PEG Ratio
0.0373
Stock Price Statistics
The stock price has decreased by -0.2829%. The beta is 1.2051, so Synchrony Financial's price volatility has been higher than the market average.
Beta (1Y)
1.2051
52-Week Price Change
-0.2829%
50-Day Moving Average
36.52
200-Day Moving Average
41.61
Average Volume (30 Days)
7.01M
Income Statement
In the last 12 months, Synchrony Financial had revenue of $17 billion and earned $16.09 billion in profits. Earnings per share was $7.4.
Revenue
17B
Gross Profit
16.09B
EBITDA
5.82B
Earnings per Share
7.4
About
Country
United States
Industry
All Other Nondepository Credit Intermediation
Sector
Finance and Insurance
Employees
16,500
CEO
Alberto Casellas
Address
777 Long Ridge Rd
Stamford
Connecticut
06902-1250
Stamford
Connecticut
06902-1250
Phone
12035856730
Website
www.synchronyfinancial.com
Ticker Symbol
SYF
Reporting Currency
USD
Company Description
Synchrony is a premier consumer financial services company. The Company delivers a wide range of specialized financing programs, as well as innovative consumer banking products, across key industries including digital, retail, home, auto, travel, health and pet.
Synchrony enables its partners to grow sales and loyalty with consumers. It's one of the largest issuers of private label credit cards in the United States; it also offers co-branded products, installment loans and consumer financing products for small- and medium-sized businesses, as well as healthcare providers..