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Synchrony Financial (SYF)
NYSE:SYF
Total Valuation
Synchrony Financial has a market cap or net worth of $24.81B. The enterprise value is $25.92B.
Market Cap$24.81B
Enterprise Value$25.92B
Share Statistics
Synchrony Financial has 347,596,280 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding347,596,280
Owned by Insiders0.59%
Owned by Institutions18.32%
Financial Efficiency
Synchrony Financial’s return on equity (ROE) is 0.21 and return on invested capital (ROIC) is 9.36%.
Return on Equity (ROE)0.21
Return on Assets (ROA)0.03
Return on Invested Capital (ROIC)9.36%
Return on Capital Employed (ROCE)0.12
Revenue Per Employee955.80K
Profits Per Employee177.60K
Employee Count20,000
Asset Turnover0.16
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Synchrony Financial is 7.7. Synchrony Financial’s PEG ratio is 1.02.
PE Ratio7.7
PS Ratio1.56
PB Ratio1.78
Price to Fair Value1.78
Price to FCF3.03
Price to Operating Cash Flow2.59
PEG Ratio1.02
Income Statement
In the last 12 months, Synchrony Financial had revenue of 19.12B and earned 3.55B in profits. Earnings per share was 9.35.
Revenue19.12B
Gross Profit9.76B
Operating Income4.62B
Pretax Income4.62B
Net Income3.55B
EBITDA5.13B
Earnings Per Share (EPS)9.35
Cash Flow
In the last 12 months, operating cash flow was 9.85B and capital expenditures 0.00, giving a free cash flow of 9.85B billion.
Operating Cash Flow9.85B
Free Cash Flow9.85B
Free Cash Flow per Share28.34
Dividends & Yields
Synchrony Financial pays an annual dividend of $0.3, resulting in a dividend yield of 1.34%
Dividend Per Share$0.3
Dividend Yield1.34%
Payout Ratio12.55%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.45
52-Week Price Change11.46%
50-Day Moving Average79.66
200-Day Moving Average71.19
Relative Strength Index (RSI)35.80
Average Volume (3m)5.21M
Important Dates
Synchrony Financial upcoming earnings date is Apr 28, 2026, Before Open (Confirmed).
Last Earnings DateJan 27, 2026
Next Earnings DateApr 28, 2026
Ex-Dividend Date―
Financial Position
Synchrony Financial as a current ratio of 0.21, with Debt / Equity ratio of 90.55%
Current Ratio0.21
Quick Ratio0.21
Debt to Market Cap0.51
Net Debt to EBITDA0.04
Interest Coverage Ratio1.12
Taxes
In the past 12 months, Synchrony Financial has paid 1.07B in taxes.
Income Tax1.07B
Effective Tax Rate0.23
Enterprise Valuation
Synchrony Financial EV to EBITDA ratio is 5.85, with an EV/FCF ratio of 3.05.
EV to Sales1.57
EV to EBITDA5.85
EV to Free Cash Flow3.05
EV to Operating Cash Flow3.05
Balance Sheet
Synchrony Financial has $17.32B in cash and marketable securities with $15.18B in debt, giving a net cash position of $2.14B billion.
Cash & Marketable Securities$17.32B
Total Debt$15.18B
Net Cash$2.14B
Net Cash Per Share$6.15
Tangible Book Value Per Share$39.54
Margins
Gross margin is 51.04%, with operating margin of 24.17%, and net profit margin of 18.58%.
Gross Margin51.04%
Operating Margin24.17%
Pretax Margin24.17%
Net Profit Margin18.58%
EBITDA Margin26.86%
EBIT Margin24.17%
Analyst Forecast
The average price target for Synchrony Financial is $91.60, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$91.60
Price Target Upside28.33% Upside
Analyst ConsensusModerate Buy
Analyst Count17
Revenue Growth Forecast-6.38%
EPS Growth Forecast19.65%