Synchrony Financial
General ticker "SYF" information:
- Sector: Financials
- Industry: Consumer Finance
- Capitalization: $25.7B (TTM average)
Synchrony Financial closely follows the US Stock Market performance with the rate: 83.9%.
Estimated limits based on current volatility of 0.9%: low 78.99$, high 80.45$
Factors to consider:
- Company included in S&P500 list
- Company pays dividends (quarterly): last record date 2025-11-05, amount 0.30$ (Y1.49%)
- Total employees count: 22000 (+10.0%) as of 2024
- Top business risk factors: Economic downturns and volatility, Partner dependency, Reputation and brand risks, Ineffective risk management, Model ineffectiveness
- Price in estimated range
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [54.74$, 80.85$]
- 2025-12-31 to 2026-12-31 estimated range: [56.61$, 84.37$]
Financial Metrics affecting the SYF estimates:
- Negative: with PPE of 9.9 at the end of fiscal year the price was very high
- Positive: Operating profit margin, % of 21.93 > 18.64
- Positive: Operating cash flow per share per price, % of 38.01 > 13.24
- Positive: Industry operating cash flow per share per price (median), % of 12.45 > 10.33
- Positive: Industry operating profit margin (median), % of 12.35 > 9.92
- Negative: -0.75 < Inventory ratio change, % of 0
- Positive: 1.87 < Return on assets ratio (scaled to [-100,100]) of 2.85
- Negative: Shareholder equity ratio, % of 13.88 <= 18.93
- Positive: 0 < Industry earnings per price (median), % of 3.52
Short-term SYF quotes
Long-term SYF plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $13,195.00MM | $17,338.00MM | $20,759.00MM |
| Operating Expenses | $9,233.00MM | $14,434.00MM | $16,206.00MM |
| Operating Income | $3,962.00MM | $2,904.00MM | $4,553.00MM |
| Interest Expense | $1,521.00MM | $3,711.00MM | $4,634.00MM |
| Income(Loss) | $3,962.00MM | $2,904.00MM | $4,553.00MM |
| Taxes | $946.00MM | $666.00MM | $1,054.00MM |
| Profit(Loss)* | $3,016.00MM | $2,238.00MM | $3,499.00MM |
| Stockholders Equity | $12,873.00MM | $13,903.00MM | $16,580.00MM |
| Assets | $104,564.00MM | $117,479.00MM | $119,463.00MM |
| Operating Cash Flow | $6,694.00MM | $8,593.00MM | $9,848.00MM |
| Investing Cash Flow | $-10,234.00MM | $-14,234.00MM | $-8,903.00MM |
| Financing Cash Flow | $5,284.00MM | $9,632.00MM | $-611.00MM |
| Earnings Per Share** | $6.28 | $5.31 | $8.82 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.