A Business at a Glance
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Table of Contents OUR BUSINESS Our Company ____________________________________________________________________________________________ We are a premier consumer financial services company delivering one of the industry's most complete digitally-enabled product suites. Our experience, expertise and scale encompass a broad spectrum of industries, including digital, health and wellness, retail, telecommunications, home, auto, outdoor, pet and more. We have an established and diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers, which we refer to as our “partners.” We connect our partners and consumers through our dynamic financial ecosystem and provide them with a diverse set of financing solutions and innovative digital capabilities to address their specific needs and deliver seamless, omnichannel experiences.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 0 | - | - | - | - | - |
| Net Income | 3.5B | 3.5B | 3.4B | 2.2B | 3.0B | 4.2B |
| EPS | $9.28 | $9.28 | $8.55 | $5.19 | $6.15 | $7.34 |
| Free Cash Flow | 9.9B | 9.9B | 9.8B | 8.6B | 6.7B | 7.1B |
| ROIC | 10.9% | 10.8% | 10.7% | 7.3% | 11.0% | 14.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.91 | 0.91 | 0.93 | 1.15 | 1.10 | 1.06 |
| Dividends/Share | $1.14 | $1.15 | $1.00 | $0.96 | $0.90 | $0.88 |
| Operating Income | 295M | 295M | 1.3B | 118M | 268M | 309M |
| Operating Margin | 0.0% | - | - | - | - | - |
| ROE | 20.7% | 20.8% | 20.7% | 15.8% | 23.1% | 30.6% |
| Shares Outstanding | 374M | 374M | 401M | 423M | 484M | 569M |
Synchrony Financial passes 5 of 9 quality checks, suggesting mixed fundamentals.
Synchrony Financial trades at 8.0x trailing earnings, compared to its 15-year median P/E of 7.3x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 2.8x vs a median of 2.5x. The company's 5-year average ROIC is 10.9%. Total shareholder yield (dividends + buybacks) is 12.2%. At current prices, the estimated annualized return to fair value is +12.0%.
Synchrony Financial (SYF) has a current P/E ratio of 8.0, compared to its historical median P/E of 7.3. The stock is currently considered Fair based on its historical valuation range.
Synchrony Financial (SYF) has a 5-year average return on invested capital (ROIC) of 10.9%. This indicates solid capital allocation.
Synchrony Financial (SYF) has a market capitalization of $27.6B. It is classified as a large-cap stock.
Yes, Synchrony Financial (SYF) pays a dividend with a trailing twelve-month yield of 1.55%. The company also returns capital through share buybacks, with a buyback yield of 10.66%.
Based on historical P/E analysis, Synchrony Financial (SYF) appears fair. The current P/E of 8.0 is 9% above its historical median of 7.3. The estimated fair value CAGR (P/E method) is 13.6%.
Synchrony Financial (SYF) operates in the Finance Services industry, within the Financials sector.
Synchrony Financial (SYF) generated $9.9 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Synchrony Financial (SYF) has a debt-to-equity ratio of 0.91. This indicates moderate leverage.
Synchrony Financial (SYF) reported earnings per share (EPS) of $9.28 in its most recent fiscal year.
Synchrony Financial (SYF) has a return on equity (ROE) of 20.8%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 14 years of financial data for Synchrony Financial (SYF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Synchrony Financial (SYF) has a book value per share of $44.85, based on its most recent annual SEC filing.