Synchrony Financial

Company Profile

Synchrony Financial had its IPO on 2014-07-31 under the ticker symbol SYF.

The company operates in the Financial Services sector and Credit Services industry. Synchrony Financial has a staff strength of 18,500 employees.

Stock update

Shares of Synchrony Financial opened at $31.7 at the start of the last trading session i.e. 2023-09-12.

The stocks traded within a range of $31.6 - $32.7, and closed at $32.28.

This is a +1.83% increase from the previous day's closing price.

A total volume of 3,947,247 shares were traded at the close of the day’s session.

In the last one week, shares of Synchrony Financial have slipped by -1.16%.

Synchrony Financial's Key Ratios

Synchrony Financial has a market cap of $13.26 billion, indicating a price to book ratio of 1.2605 and a price to sales ratio of 1.721.

In the last 12-months Synchrony Financial’s revenue was $7.70 billion with a gross profit of $8.30 billion and an EBITDA of $0. The EBITDA ratio measures Synchrony Financial's overall financial performance and is widely used to measure its profitability.

In the trailing 12-month period, Synchrony Financial’s operating margin was 43.75% while its return on assets stood at 2.4% with a return of equity of 18.3%.

In Q2, Synchrony Financial’s quarterly earnings growth was a negative -17.5% while revenue growth was a negative 11.1%.

Synchrony Financial’s PE and PEG Ratio

Forward PE

6.2854

Trailing PE

5.7636

PEG

0.4611

Its diluted EPS in the last 12-months stands at $5.5 per share while it has a forward price to earnings multiple of 6.2854 and a PEG multiple of 0.4611. A low price to earnings ratio can mean the stock is attractively valued while a high ratio suggests the stock may be overvalued.

The PEG on the other hand provides a broader view compared to the P/E ratio and gives greater insight into Synchrony Financial’s profitability.

Synchrony Financial stock is trading at a EV to sales ratio of 0 and a EV to EBITDA ratio of 0. Its price to sales ratio in the trailing 12-months stood at 1.721.

Synchrony Financial stock pays annual dividends of $0.92 per share, indicating a yield of 3.01% and a payout ratio of 17.41%.

Balance sheet and cash flow metrics

Total Assets

$108.70 billion

Total Liabilities

$81.09 billion

Operating Cash Flow

$-5189000000.00

Capital Expenditure

$0

Dividend Payout Ratio

17.41%

Synchrony Financial ended 2024 with $108.70 billion in total assets and $0 in total liabilities. Its intangible assets were valued at $108.70 billion while shareholder equity stood at $13.38 billion.

Synchrony Financial ended 2024 with $0 in deferred long-term liabilities, $81.09 billion in other current liabilities, 1000000.00 in common stock, $17.83 billion in retained earnings and $1.11 billion in goodwill. Its cash balance stood at $12.71 billion and cash and short-term investments were $12.71 billion. The company’s total short-term debt was $0 while long-term debt stood at $14.23 billion.

Synchrony Financial’s total current assets stands at $12.71 billion while long-term investments were $4.29 billion and short-term investments were $4.29 billion. Its net receivables were $85.00 billion compared to accounts payable of $5.32 billion and inventory worth $0.

In 2024, Synchrony Financial's operating cash flow was $-5189000000.00 while its capital expenditure stood at $0.

Comparatively, Synchrony Financial paid $0.17 in dividends in 2024.

Other key metrics

Current Trading Price

$32.28

52-Week High

$40.0292

52-Week Low

$26.3986

Analyst Target Price

$39.29

Synchrony Financial stock is currently trading at $32.28 per share. It touched a 52-week high of $40.0292 and a 52-week low of $40.0292. Analysts tracking the stock have a 12-month average target price of $39.29.

Its 50-day moving average was $33.63 and 200-day moving average was $32.4 The short ratio stood at 3.44 indicating a short percent outstanding of 0%.

Around 59.1% of the company’s stock are held by insiders while 9993.8% are held by institutions.