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SYNCHRONY FINANCIAL

SYFNYSE
πŸ† #478 by market capUS Equity
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🏦Market Cap
$23.47B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
20.5%
Healthy
πŸ“ŠGross Margin
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πŸ’΅FCF Margin
29.8%
Strong
βš–οΈP/S Ratio
0.7x
Cheap
Otter Score
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Insufficient data
No chart data available for SYF.

Trading Snapshot

Day Range
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52-Week Range
$63.08 – $88.77
Volume (shares)
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Avg Volume (shares)
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Shares Outstanding
311.4M
Next Earnings
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Fundamentals Snapshot

Annual Revenue
$19.12B
Last Q Revenue
$4.69B
P/E Ratio
7.0
P/S Ratio
0.7x
EPS (TTM)
$9.84
Dividend Yield
2.18%
Dilution (1yr)
βˆ’9.4%
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SYNCHRONY FINANCIAL

SYF
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$19.1Bβ–Ό βˆ’7.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
51.0%β–² +12.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$4.6Bβ–² +1.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$9.9Bβ–² +0.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
357.8Mβ–Ό βˆ’9.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$209Mβ–² +$542M YoY
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About SYNCHRONY FINANCIAL

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)

Insufficient data for all five components.

πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Insufficient data
β€”/100
Analyst data unavailable.

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