SYF

New York Stock Exchange

Synchrony Financial · Financial Services · Consumer Finance

Earnings call summary →

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Highlights

Market Cap

$23.97B

PE Ratio

7.888

EV to Ebitda

2.0822

Earnings Yield

12.68%

Revenue (TTM)

$18.98B

Net Income (TTM)

$3.60B

Revenue (Annual YoY Growth)

-7.91%

Revenue (Quarterly YoY Growth)

-2.87%

Profit Margin

18.97%

Return on Equity

21.47%

Debt to Equity Ratio

0.997

Dividend Yield

2.16%

All fundamentals

Core10 fields›

Market Cap$23.97B

Revenue TTM$18.98B

Shares Outstanding337.0M

Float403796738

Float Short4.42%

Days To Cover3.8208211121

Short Interest14804984.0

Insider Ownership1.15%

Relative Strength32.8

GARP209

Growth Estimates19 fields›

Revenue Growth (Annual)-7.91%

Revenue Growth (Quarterly YoY)-2.87%

Operating Revenue Growth (Annual)0.058765

Operating Revenue Growth (Quarterly YoY)0.227495

3-Year Revenue Growth13.15%

5-Year Revenue Growth8.31%

EPS Growth (Annual)8.45%

EPS Growth (Quarterly YoY)19.88%

3-Year EPS Growth Rate14.68%

5-Year EPS Growth Rate32.48%

LT EPS Growth Estimates9.16%

EBITDA Growth (Annual)-11.45%

EBITDA Growth (Quarterly YoY)-2.89%

CFO Growth (Annual)0.03%

CFO Growth (Quarterly YoY)-0.77%

FCF Growth (Annual)0.03%

FCF Growth (Quarterly YoY)-0.77%

Dividend Growth (Annual)15.00%

Dividend Growth (Quarterly YoY)20.00%

Operations26 fields›

Revenue TTM$18.98B

Gross Margin TTM81.03%

Gross Margin (Quarterly)81.25%

Operating Margin TTM28.89%

Operating Margin (Quarterly)26.68%

Operating Expenses TTM$9.89B

Profit Margin TTM18.97%

Profit Margin (Quarterly)17.25%

Net Income TTM$3.60B

EPS TTM9.6602

EPS (Quarterly)2.2659

EBIT Margin TTM55.60%

EBIT Margin (Quarterly)55.29%

EBITDA Margin TTM57.61%

EBITDA Margin (Quarterly)57.54%

EBITDA TTM$10.93B

CFO % of Revenue TTM51.53%

CFO % of Revenue (Quarterly)46.79%

CFO TTM$9.83B

Cash Margin48.92%

Capex % of Revenue TTM0.00%

Capital Expenditures$0.00M

FCF % of Revenue TTM51.53%

FCF % of Revenue (Quarterly)46.79%

FCF TTM$9.83B

Fundamental Score10

Efficiency4 fields›

ROE21.47%

ROA3.00%

ROIC11.05%

CROCI30.18%

Valuation20 fields›

P/E (TTM)7.888

P/E Forward8.2002

P/E Ex-Cash1.5719

P/S Forward1.6738

PEG0.2418

PEG Forward52.1098

P/CFO2.8139

P/FCF2.8139

EV/EBITDA (TTM)2.0822

EV/Revenues (TTM)1.1996

EV/Revenues Forward1.4842

EV/CFO2.0338

EV/FCF (TTM)2.3151

Price To Book1.6831

Price to Tangible Book1.5607

Earnings Yield12.68%

FCF Yield35.54%

Dividend Yield2.16%

Payout Ratio13.24%

Value Score8

Relative to Industry11 fields›

Relative Gross Margin (Quarterly)1.6314

Relative Profit Margin (Quarterly)0.9115

Relative P/E0.4041

Relative P/S0.3834

Relative P/B0.3633

Relative Earnings Yield2.4747

Relative Dividend Yield1.4219

Relative ROE0.8884

Relative ROA0.7692

Relative ROIC1.1775

Relative Debt to Equity0.6143

Liquidity15 fields›

Cash Per Share61.0059

Current Ratio5.0763

Cash & ST Assets$20.56B

Total Debt$16.43B

Goodwill & Intangibles$2.59B

Total Assets$121.50B

Total Liabilities$105.02B

Shareholders Equity$15.25B

Debt to Equity0.997

Debt to Assets13.52%

Interest Expense$799.0M

Times Interest Earned13.2065

CFO to Debt (TTM)0.6219

Debt to EBITDA (TTM)1.4461

Goodwill % of Assets2.13%

Yields5 fields›

Dividend Yield2.16%

Payout Ratio13.24%

Earnings Yield12.68%

Buyback Yield12.60%

Shareholder Yield15.05%

Options Flow8 fields›

Call Volume732

Put Volume393

Put/Call Ratio0.5368852459016393

Call $ Volume188592

Put $ Volume95651

Put/Call $ Ratio0.5071848222618138

Call OI26831

Put OI38344