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Synchrony Financial (SYF)
NYSE:SYF
Total Valuation
Synchrony Financial has a market cap or net worth of $28.03B. The enterprise value is $23.08B.
Market Cap$28.03B
Enterprise Value$23.08B
Share Statistics
Synchrony Financial has 372,057,560 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding372,057,560
Owned by Insiders0.45%
Owned by Institutions28.05%
Financial Efficiency
Synchrony Financial’s return on equity (ROE) is 0.21 and return on invested capital (ROIC) is 16.36%.
Return on Equity (ROE)0.21
Return on Assets (ROA)0.03
Return on Invested Capital (ROIC)16.36%
Return on Capital Employed (ROCE)0.21
Revenue Per Employee1.21M
Profits Per Employee174.95K
Employee Count20,000
Asset Turnover0.20
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Synchrony Financial is 9.2. Synchrony Financial’s PEG ratio is ―.
PE Ratio9.2
PS Ratio0.00
PB Ratio0.00
Price to Fair Value1.55
Price to FCF0.00
Price to Operating Cash Flow2.77
PEG Ratio―
Income Statement
In the last 12 months, Synchrony Financial had revenue of 24.17B and earned 3.50B in profits. Earnings per share was 8.64.
Revenue24.17B
Gross Profit12.80B
Operating Income7.96B
Pretax Income4.55B
Net Income3.50B
EBITDA9.67B
Earnings Per Share (EPS)8.64
Cash Flow
In the last 12 months, operating cash flow was 7.45B and capital expenditures 0.00, giving a free cash flow of 7.45B billion.
Operating Cash Flow7.45B
Free Cash Flow7.45B
Free Cash Flow per Share20.02
Dividends & Yields
Synchrony Financial pays an annual dividend of $0.3, resulting in a dividend yield of 1.44%
Dividend Per Share$0.3
Dividend Yield1.44%
Payout Ratio26.70%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.37
52-Week Price Change56.64%
50-Day Moving Average69.77
200-Day Moving Average62.19
Relative Strength Index (RSI)72.11
Average Volume (3m)3.44M
Important Dates
Synchrony Financial upcoming earnings date is Oct 28, 2025, Before Open (Confirmed).
Last Earnings DateJul 22, 2025
Next Earnings DateOct 28, 2025
Ex-Dividend DateAug 05, 2025
Financial Position
Synchrony Financial as a current ratio of 0.22, with Debt / Equity ratio of 94.44%
Current Ratio0.22
Quick Ratio0.22
Debt to Market Cap0.60
Net Debt to EBITDA0.08
Interest Coverage Ratio1.72
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 2.74, with an EV/FCF ratio of 2.69.
EV to Sales1.10
EV to EBITDA2.74
EV to Free Cash Flow2.69
EV to Operating Cash Flow2.69
Balance Sheet
Synchrony Financial has $24.35B in cash and marketable securities with $17.01B in debt, giving a net cash position of -$7.34B billion.
Cash & Marketable Securities$24.35B
Total Debt$17.01B
Net Cash-$7.34B
Net Cash Per Share-$19.74
Tangible Book Value Per Share$36.45
Margins
Gross margin is 58.16%, with operating margin of 32.94%, and net profit margin of 14.48%.
Gross Margin58.16%
Operating Margin32.94%
Pretax Margin18.84%
Net Profit Margin14.48%
EBITDA Margin40.01%
EBIT Margin38.02%
Analyst Forecast
The average price target for Synchrony Financial is $80.67, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target$80.67
Price Target Upside5.34% Upside
Analyst ConsensusStrong Buy
Analyst Count17
Revenue Growth Forecast-3.16%
EPS Growth Forecast14.60%