SYF Stock Overview
Operates as a consumer financial services company in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 1/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 3/6 |
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Synchrony Financial Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$65.45 |
| 52 Week High | US$69.39 |
| 52 Week Low | US$35.29 |
| Beta | 1.64 |
| 1 Month Change | 1.63% |
| 3 Month Change | 29.40% |
| 1 Year Change | 72.51% |
| 3 Year Change | 41.79% |
| 5 Year Change | 80.35% |
| Change since IPO | 184.57% |
Recent News & Updates
Recent updates
Synchrony Financial: Undervalued Gem In Fintech
Nov 30Synchrony Financial's (NYSE:SYF) Dividend Will Be $0.25
Oct 28
Synchrony Financial: Why I Prefer The Lower Yielding Series A Preferred Shares
Oct 23Synchrony Financial: Consumer Lending May Meltdown If Unemployment Continues To Rise
Sep 18Synchrony Financial: Not Too Expensive Yet
Jul 18Synchrony Financial: Comparing The 2 High Yielding Preferred Shares
Jun 26Synchrony Financial: Finally Getting Credit
Apr 26Synchrony Financial: Charge-Offs Create Downside Risk (Rating Downgrade)
Mar 05Synchrony Financial Offers 2 Good Income Options
Jan 24Synchrony Financial: 8.9% Yielding Preferred Shares Are Attractive
Nov 20Synchrony: A Buy As Credit Deterioration Slows
Oct 06Synchrony Financial Shares Have Recovered From The Banking Crisis But Are Still Cheap
Jul 19Synchrony Financial: 9.4% Yielding Bond Mispriced From Industry Crisis
May 29Synchrony credit card net charge-offs jump in January as delinquencies tick up
Feb 14Synchrony, furniture retailer Rooms To Go renew strategic financing partnership
Jan 25Synchrony Financial: Growth And Fundamental Stability Remains In Harmony
Jan 18Synchrony credit card metrics slip in November, edging down to prepandemic levels
Dec 15Synchrony Financial credit card net charge-offs increase in October
Nov 14Synchrony Financial declares $0.23 dividend
Oct 20Synchrony expands relationship with Sycle for integrated digital payment solutions
Oct 13Synchrony Financial: To Keep Watch Before Q3 Earnings
Sep 29Synchrony Financial credit card delinquency, charge off rates climb in August
Sep 12Synchrony's credit card delinquency, charge-off rates rise in July as loans increase
Aug 15Synchrony Financial GAAP EPS of $1.60 beats by $0.16, revenue of $2.87B beats by $130M
Jul 18Synchrony Financial Lower Profits Expected In 2022, But Trades At Fair Value
Jul 07Shareholder Returns
| SYF | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -3.8% | -2.8% | -2.4% |
| 1Y | 72.5% | 47.3% | 23.3% |
Return vs Industry: SYF exceeded the US Consumer Finance industry which returned 47.3% over the past year.
Return vs Market: SYF exceeded the US Market which returned 23.3% over the past year.
Price Volatility
| SYF volatility | |
|---|---|
| SYF Average Weekly Movement | 6.6% |
| Consumer Finance Industry Average Movement | 7.3% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: SYF has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: SYF's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1932 | 20,000 | Brian Doubles | www.synchrony.com |
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 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, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms.
Synchrony Financial Fundamentals Summary
| SYF fundamental statistics | |
|---|---|
| Market cap | US$25.02b |
| Earnings (TTM) | US$3.10b |
| Revenue (TTM) | US$9.01b |
8.2x
P/E Ratio2.8x
P/S RatioIs SYF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SYF income statement (TTM) | |
|---|---|
| Revenue | US$9.01b |
| Cost of Revenue | US$0 |
| Gross Profit | US$9.01b |
| Other Expenses | US$5.90b |
| Earnings | US$3.10b |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 7.97 |
| Gross Margin | 100.00% |
| Net Profit Margin | 34.45% |
| Debt/Equity Ratio | 97.8% |
How did SYF perform over the long term?
See historical performance and comparisonDividends
1.5%
Current Dividend Yield13%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/20 06:31 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David George | Baird |
| Brennan Crowley | Baird |
| Mark DeVries | Barclays |