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STOCKS

Synchrony Financial (SYF)

NYSE:SYF

SYF

Synchrony Financial

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Synchrony Financial (SYF) Ratios

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2,020 Followers

Synchrony Financial Ratios

SYF's free cash flow for Q1 2025 was $0.69. For the 2025 fiscal year, SYF's free cash flow was decreased by $ and operating cash flow was $-0.02. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.29	0.22	2.64	1.64	2.59
Quick Ratio	0.29	0.22	21.26	14.16	16.07
Cash Ratio	0.26	0.18	2.64	1.64	2.59
Solvency Ratio	0.03	0.02	0.13	0.12	0.14
Operating Cash Flow Ratio	0.12	0.11	1.72	1.40	1.68
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -81.09B	$ -85.52B	$ -81.40B	$ -73.76B	$ -71.72B
Leverage Ratios
Debt-to-Assets Ratio	0.14	0.14	0.14	0.15	0.16
Debt-to-Equity Ratio	1.03	1.15	1.10	1.06	1.24
Debt-to-Capital Ratio	0.51	0.53	0.52	0.52	0.55
Long-Term Debt-to-Capital Ratio	0.51	0.53	0.52	0.52	0.55
Financial Leverage Ratio	7.36	8.45	8.12	7.01	7.55
Debt Service Coverage Ratio	0.34	-0.18	2.60	4.92	1.46
Interest Coverage Ratio	2.27	0.99	3.58	5.33	1.08
Debt to Market Cap	0.65	0.99	0.90	0.55	0.77
Interest Debt Per Share	52.82	46.75	32.71	27.52	29.61
Net Debt to EBITDA	-1.92	0.00	0.80	0.97	1.50
Profitability Margins
Gross Profit Margin	80.01%	100.00%	91.44%	91.12%	87.27%
EBIT Margin	10.87%	47.81%	27.96%	58.57%	21.99%
EBITDA Margin	13.36%	0.00%	30.58%	62.39%	25.43%
Operating Profit Margin	57.37%	47.81%	34.00%	53.99%	16.10%
Pretax Profit Margin	21.21%	37.90%	24.75%	53.99%	16.10%
Net Profit Margin	16.41%	29.21%	18.84%	41.41%	12.41%
Continuous Operations Profit Margin	16.41%	29.21%	18.84%	41.41%	12.41%
Net Income Per EBT	77.38%	77.07%	76.12%	76.70%	77.07%
EBT Per EBIT	36.97%	79.28%	72.82%	100.00%	100.00%
Return on Assets (ROA)	2.43%	1.91%	2.88%	4.41%	1.44%
Return on Equity (ROE)	18.32%	16.10%	23.43%	30.91%	10.90%
Return on Capital Employed (ROCE)	26.84%	10.08%	5.41%	6.07%	1.96%
Return on Invested Capital (ROIC)	20.77%	7.77%	4.11%	4.66%	1.51%
Return on Tangible Assets	2.47%	1.94%	2.94%	4.52%	1.48%
Earnings Yield	10.58%	13.91%	19.11%	16.12%	6.77%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	-0.02	-0.01	-0.02
Fixed Asset Turnover	0.00	0.00	-0.15	-0.11	-0.12
Asset Turnover	0.15	0.07	0.15	0.11	0.12
Working Capital Turnover Ratio	-0.29	-0.12	3.32	1.98	1.52
Cash Conversion Cycle	0.00	0.00	-19.36K	-25.70K	-15.43K
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	-19.36K	-25.70K	-15.43K
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	-19.36K	-25.70K	-15.43K
Cash Flow Ratios
Operating Cash Flow Per Share	24.00	20.40	13.93	12.57	12.71
Free Cash Flow Per Share	24.00	20.40	13.93	12.57	12.71
CapEx Per Share	0.00	0.00	0.00	0.00	0.00
Free Cash Flow to Operating Cash Flow	1.00	1.00	1.00	1.00	1.00
Dividend Paid and CapEx Coverage Ratio	20.63	19.18	14.06	13.10	13.32
Capital Expenditure Coverage Ratio	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Coverage Ratio	0.58	0.54	0.47	0.49	0.47
Operating Cash Flow to Sales Ratio	0.54	1.12	0.42	0.70	0.67
Free Cash Flow Yield	37.55%	53.42%	42.40%	27.10%	36.62%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.49	7.19	5.23	6.21	14.76
Price-to-Sales (P/S) Ratio	1.45	2.10	0.99	2.57	1.83
Price-to-Book (P/B) Ratio	1.70	1.16	1.23	1.92	1.61
Price-to-Free Cash Flow (P/FCF) Ratio	2.67	1.87	2.36	3.69	2.73
Price-to-Operating Cash Flow Ratio	2.87	1.87	2.36	3.69	2.73
Price-to-Earnings Growth (PEG) Ratio	-0.65	-0.45	-0.32	0.03	-0.25
Price-to-Fair Value	1.70	1.16	1.23	1.92	1.61
Enterprise Value Multiple	8.95	0.00	4.02	5.09	8.70
Enterprise Value	21.48B	17.81B	19.68B	32.36B	24.70B
EV to EBITDA	8.90	0.00	4.02	5.09	8.70
EV to Sales	1.19	2.32	1.23	3.18	2.21
EV to Free Cash Flow	2.19	2.07	2.94	4.56	3.30
EV to Operating Cash Flow	2.19	2.07	2.94	4.56	3.30
Tangible Book Value Per Share	35.42	28.66	22.95	20.16	17.82
Shareholders’ Equity Per Share	40.61	33.01	26.80	24.19	21.56
Tax and Other Ratios
Effective Tax Rate	0.23	0.23	0.24	0.23	0.23
Revenue Per Share	44.22	18.19	33.32	18.05	18.95
Net Income Per Share	7.26	5.31	6.28	7.48	2.35
Tax Burden	0.77	0.77	0.76	0.77	0.77
Interest Burden	1.95	0.79	0.89	0.92	0.73
Research & Development to Revenue	0.00	0.00	<0.01	<0.01	<0.01
SG&A to Revenue	0.09	0.24	0.11	0.15	0.12
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	3.31	3.84	2.22	1.68	5.41

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