SYF:NYE-Synchrony Financial (USD)

COMMON STOCK | Credit Services | NYE

Last Closing Price

USD 45.91

Change

-1.23 (-2.61)%

Market Cap

USD 27.42B

Volume

5.42M

Avg Analyst Target

USD 53.89 (+17.39%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Synchrony Financial operates as a consumer financial services company in the United States. It provides a range of specialized financing programs and consumer banking products to digital, retail, home, auto, travel, health, and pet industries. The company also offers private label credit cards, dual cards, general purpose co-branded credit cards, and small and medium-sized business credit products; and promotional financing for consumer purchases, such as private label credit cards, dual cards, and installment loans. In addition, it provides promotional financing to consumers for health, veterinary and personal care procedures, and services and products, such as dental, vision, audiology, and cosmetic; debt cancellation 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. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. Synchrony Financial was incorporated in 2003 and is headquartered in Stamford, Connecticut.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2021-07-22 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
V Visa Inc

+0.48 (+0.20%)

USD536.14B 50.36 36.38
MA Mastercard Incorporated

+2.10 (+0.55%)

USD376.66B 58.31 43.41
AXP American Express Company

-1.61 (-0.93%)

USD138.58B 28.28 N/A
COF Capital One Financial Corporat..

-1.78 (-1.09%)

USD73.69B 10.67 N/A
COF-PG Capital One Financial Corporat..

-0.04 (-0.16%)

USD43.22B 1.67 N/A
COF-PH Capital One Financial Corporat..

-0.03 (-0.12%)

USD41.57B 1.68 N/A
COF-PF Capital One Financial Corporat..

N/A

USD41.28B 12.11 N/A
DFS Discover Financial Services

-1.59 (-1.27%)

USD38.28B 14.12 N/A
IX ORIX Corporation

-0.72 (-0.82%)

USD21.62B 12.38 N/A
ALLY Ally Financial Inc

-0.41 (-0.78%)

USD19.47B 9.01 N/A

ETFs Containing SYF

Symbol Name Weight Mer Price(Change) Market Cap
FSF:CA CI Global Financial Secto.. 0.00 % 1.00 %

N/A

USD0.82B
KORP American Century Diversif.. 0.00 % 0.29 %

+0.12 (+0.23%)

USD0.15B

Market Performance

  Market Performance vs.
Industry/Classification (Credit Services)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 32.27% 68% D+ 86% B
Dividend Return 1.27% 38% F 42% F
Total Return 33.54% 68% D+ 85% B
Trailing 12 Months  
Capital Gain 100.31% 65% D 90% A-
Dividend Return 3.84% 48% F 57% F
Total Return 104.14% 65% D 90% A-
Trailing 5 Years  
Capital Gain 61.65% 29% F 69% D+
Dividend Return N/A N/A N/A N/A N/A
Total Return 61.65% 29% F 63% D
Average Annual (5 Year Horizon)  
Capital Gain 10.12% 53% F 66% D
Dividend Return 2.55% 72% C- 58% F
Total Return 12.66% 53% F 68% D+
Risk Return Profile  
Volatility (Standard Deviation) 47.10% 42% F 19% F
Risk Adjusted Return 26.89% 42% F 37% F
Market Capitalization 27.42B 81% B- 90% A-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Credit Services)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 13.25 20% F 67% D+
Price/Book Ratio 1.99 35% F 48% F
Price / Cash Flow Ratio 3.66 33% F 68% D+
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 16.72% 55% F 77% C+
Return on Invested Capital -29.21% 8% F 4% F
Return on Assets 2.19% 47% F 50% F
Debt to Equity Ratio 124.20% 48% F 30% F
Technical Ratios  
Short Ratio 2.02 63% D 50% F
Short Percent 1.93% 56% F 62% D-
Beta 1.82 19% F 16% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector