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Synchrony Financial (SYF)
NYSE:SYF
Total Valuation
Synchrony Financial has a market cap or net worth of $27.09B. The enterprise value is $26.86B.
Market Cap$27.09B
Enterprise Value$26.86B
Share Statistics
Synchrony Financial has 360,171,100 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding360,171,100
Owned by Insiders0.46%
Owned by Institutions0.11%
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 Employee1.04M
Profits Per Employee174.95K
Employee Count20,000
Asset Turnover0.17
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Synchrony Financial is 8.1. Synchrony Financial’s PEG ratio is 0.11.
PE Ratio8.1
PS Ratio1.24
PB Ratio1.55
Price to Fair Value1.55
Price to FCF2.62
Price to Operating Cash Flow2.72
PEG Ratio0.11
Income Statement
In the last 12 months, Synchrony Financial had revenue of 20.76B and earned 3.50B in profits. Earnings per share was 8.64.
Revenue20.76B
Gross Profit9.39B
Operating Income4.55B
Pretax Income4.55B
Net Income3.50B
EBITDA5.03B
Earnings Per Share (EPS)8.64
Cash Flow
In the last 12 months, operating cash flow was 9.75B and capital expenditures 0.00, giving a free cash flow of 9.75B billion.
Operating Cash Flow9.75B
Free Cash Flow9.75B
Free Cash Flow per Share27.07
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
Beta1.43
52-Week Price Change11.18%
50-Day Moving Average80.43
200-Day Moving Average70.79
Relative Strength Index (RSI)39.41
Average Volume (3m)3.98M
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 0.22, with Debt / Equity ratio of 90.55%
Current Ratio0.22
Quick Ratio0.22
Debt to Market Cap0.60
Net Debt to EBITDA0.15
Interest Coverage Ratio0.98
Taxes
In the past 12 months, Synchrony Financial has paid 1.05B in taxes.
Income Tax1.05B
Effective Tax Rate0.23
Enterprise Valuation
Synchrony Financial EV to EBITDA ratio is 5.27, with an EV/FCF ratio of 2.69.
EV to Sales1.28
EV to EBITDA5.27
EV to Free Cash Flow2.69
EV to Operating Cash Flow2.69
Balance Sheet
Synchrony Financial has $18.96B in cash and marketable securities with $14.43B in debt, giving a net cash position of $4.53B billion.
Cash & Marketable Securities$18.96B
Total Debt$14.43B
Net Cash$4.53B
Net Cash Per Share$12.58
Tangible Book Value Per Share$36.45
Margins
Gross margin is 60.82%, with operating margin of 21.93%, and net profit margin of 16.86%.
Gross Margin60.82%
Operating Margin21.93%
Pretax Margin21.93%
Net Profit Margin16.86%
EBITDA Margin24.25%
EBIT Margin21.93%
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 Upside23.80% Upside
Analyst ConsensusModerate Buy
Analyst Count17
Revenue Growth Forecast-6.38%
EPS Growth Forecast19.65%