SYF * Stock Overview
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States.
Synchrony Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$653.00|
|52 Week High||US$1,065.10|
|52 Week Low||US$606.00|
|1 Month Change||6.57%|
|3 Month Change||-20.10%|
|1 Year Change||-28.02%|
|3 Year Change||-5.44%|
|5 Year Change||18.81%|
|Change since IPO||-16.65%|
Recent News & Updates
|SYF *||MX Consumer Finance||MX Market|
Return vs Industry: SYF * underperformed the MX Consumer Finance industry which returned -7.2% over the past year.
Return vs Market: SYF * underperformed the MX Market which returned 0.9% over the past year.
|SYF * volatility|
|SYF * Average Weekly Movement||n/a|
|Consumer Finance Industry Average Movement||6.4%|
|Market Average Movement||4.6%|
|10% most volatile stocks in MX Market||7.5%|
|10% least volatile stocks in MX Market||2.9%|
Stable Share Price: Insufficient data to determine SYF *'s volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine SYF *'s volatility change over the past year.
About the Company
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms.
Synchrony Financial Fundamentals Summary
|SYF * fundamental statistics|
Is SYF * overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SYF * income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||7.57|
|Net Profit Margin||40.30%|
How did SYF * perform over the long term?See historical performance and comparison
2.7%Current Dividend Yield
Is SYF * undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for SYF *?
Other financial metrics that can be useful for relative valuation.
|What is SYF *'s n/a Ratio?|
Price to Earnings Ratio vs Peers
How does SYF *'s PE Ratio compare to its peers?
|SYF * PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
GENTERA * Gentera. de
MONEX B Monex. de
UNIFIN A Unifin Financiera S. A. B. de C. V
FINDEP * Financiera Independencia. de SOFOM E.N.R
SYF * Synchrony Financial
Price-To-Earnings vs Peers: SYF * is good value based on its Price-To-Earnings Ratio (4.3x) compared to the peer average (6x).
Price to Earnings Ratio vs Industry
How does SYF *'s PE Ratio compare vs other companies in the Global Consumer Finance Industry?
Price-To-Earnings vs Industry: SYF * is good value based on its Price-To-Earnings Ratio (4.3x) compared to the MX Consumer Finance industry average (5.2x)
Price to Earnings Ratio vs Fair Ratio
What is SYF *'s PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||4.3x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate SYF *'s Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of SYF * when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: SYF * (MX$653) is trading below our estimate of fair value (MX$1333.24)
Significantly Below Fair Value: SYF * is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.
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How is Synchrony Financial forecast to perform in the next 1 to 3 years based on estimates from 17 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SYF *'s earnings are forecast to decline over the next 3 years (-15.5% per year).
Earnings vs Market: SYF *'s earnings are forecast to decline over the next 3 years (-15.5% per year).
High Growth Earnings: SYF *'s earnings are forecast to decline over the next 3 years.
Revenue vs Market: SYF *'s revenue (7.4% per year) is forecast to grow faster than the MX market (6.1% per year).
High Growth Revenue: SYF *'s revenue (7.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SYF *'s Return on Equity is forecast to be low in 3 years time (16.1%).
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How has Synchrony Financial performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SYF * has high quality earnings.
Growing Profit Margin: SYF *'s current net profit margins (40.3%) are higher than last year (39.7%).
Past Earnings Growth Analysis
Earnings Trend: SYF *'s earnings have grown by 10% per year over the past 5 years.
Accelerating Growth: SYF *'s earnings growth over the past year (11.3%) exceeds its 5-year average (10% per year).
Earnings vs Industry: SYF * earnings growth over the past year (11.3%) underperformed the Consumer Finance industry 29.2%.
Return on Equity
High ROE: SYF *'s Return on Equity (27.6%) is considered high.
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How is Synchrony Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: SYF *'s Assets to Equity ratio (7.1x) is low.
Allowance for Bad Loans: SYF * has a sufficient allowance for bad loans (876%).
Low Risk Liabilities: 79% of SYF *'s liabilities are made up of primarily low risk sources of funding.
Loan Level: SYF * has an appropriate level of Loans to Assets ratio (78%).
Low Risk Deposits: SYF *'s Loans to Deposits ratio (114%) is appropriate.
Level of Bad Loans: SYF * has an appropriate level of bad loans (1.2%).
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What is Synchrony Financial current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SYF *'s dividend (2.69%) is higher than the bottom 25% of dividend payers in the MX market (2.09%).
High Dividend: SYF *'s dividend (2.69%) is low compared to the top 25% of dividend payers in the MX market (5.92%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, SYF * has been paying a dividend for less than 10 years.
Growing Dividend: SYF *'s dividend payments have increased, but the company has only paid a dividend for 6 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (12.7%), SYF *'s dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SYF *'s dividends in 3 years are forecast to be well covered by earnings (18.4% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Brian Doubles (46 yo)
Mr. Brian D. Doubles serves as President, CEO & Director of Synchrony Bank. Mr. Doubles serves as President of Synchrony Financial since May 02, 2019 and serves as Chief Executive Officer and Director sinc...
CEO Compensation Analysis
Compensation vs Market: Brian's total compensation ($USD8.88M) is above average for companies of similar size in the MX market ($USD5.87M).
Compensation vs Earnings: Brian's compensation has increased by more than 20% in the past year.
Experienced Management: SYF *'s management team is considered experienced (4 years average tenure).
Experienced Board: SYF *'s board of directors are considered experienced (6.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Synchrony Financial's employee growth, exchange listings and data sources
- Name: Synchrony Financial
- Ticker: SYF *
- Exchange: BMV
- Founded: 1932
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: US$15.744b
- Listing Market Cap: US$323.499b
- Shares outstanding: 481.76m
- Website: https://www.synchrony.com
Number of Employees
- Synchrony Financial
- 777 Long Ridge Road
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/24 00:00|
|End of Day Share Price||2022/07/18 00:00|
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.