Synchrony Financial

XTRA:SFE Stock Report

Market Cap: €18.1b

Synchrony Financial Past Earnings Performance

Past criteria checks 4/6

Synchrony Financial's earnings have been declining at an average annual rate of -2.4%, while the Consumer Finance industry saw earnings growing at 8.9% annually. Revenues have been growing at an average rate of 0.3% per year. Synchrony Financial's return on equity is 19.2%, and it has net margins of 33.3%.

Key information

-2.4%

Earnings growth rate

8.6%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate0.3%
Return on equity19.2%
Net Margin33.3%
Next Earnings Update17 Jul 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Synchrony Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

XTRA:SFE Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 248,6672,8884,0150
31 Dec 237,6622,1963,9220
30 Sep 237,6992,3343,8490
30 Jun 237,6982,4083,7690
31 Mar 237,9362,6423,6840
31 Dec 228,2992,9743,6230
30 Sep 228,5763,2103,5710
30 Jun 229,0513,6483,5000
31 Mar 229,4914,0873,4120
31 Dec 219,4664,1793,3190
30 Sep 219,2414,1043,1520
30 Jun 218,2593,2773,1390
31 Mar 216,7152,0823,0630
31 Dec 205,8521,3433,0790
30 Sep 205,9081,3463,1370
30 Jun 206,8682,0993,1660
31 Mar 208,0112,9153,2900
31 Dec 199,1323,7473,3560
30 Sep 199,2223,7993,3660
30 Jun 198,7303,4143,3690
31 Mar 198,4093,2573,2590
31 Dec 187,7392,7903,1870
30 Sep 187,4942,3923,0630
30 Jun 187,3842,2762,9440
31 Mar 187,2162,0762,8950
31 Dec 177,0711,9352,8040
30 Sep 177,0522,1262,7570
30 Jun 177,0372,1752,7070
31 Mar 176,9482,1682,6620
31 Dec 166,9862,2512,5970
30 Sep 166,8982,2222,5700
30 Jun 166,8382,1922,5280
31 Mar 166,8942,2442,4730
31 Dec 156,7952,2142,4170
30 Sep 156,7022,1982,3470
30 Jun 156,5472,1722,2750
31 Mar 156,4422,1032,1890
31 Dec 146,3132,1092,1010
30 Sep 146,1672,0212,0260
30 Jun 146,1562,1141,8700
31 Mar 146,0142,1781,7490
31 Dec 135,6261,9791,6090

Quality Earnings: SFE has high quality earnings.

Growing Profit Margin: SFE's current net profit margins (33.3%) are higher than last year (33.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: SFE's earnings have declined by 2.4% per year over the past 5 years.

Accelerating Growth: SFE's earnings growth over the past year (9.3%) exceeds its 5-year average (-2.4% per year).

Earnings vs Industry: SFE earnings growth over the past year (9.3%) exceeded the Consumer Finance industry 4.4%.

Return on Equity

High ROE: SFE's Return on Equity (19.2%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/07/15 12:07
End of Day Share Price 2024/04/17 00:00
Earnings2024/03/31
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Synchrony Financial is covered by 45 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David GeorgeBaird
Brennan CrowleyBaird
Mark DeVriesBarclays