Synchrony Financial (SYF) Stock

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.

Synchrony Financial is led by CEO Brian D. Doubles, employs 20,000 people, headquartered in Stamford, US, publicly traded since 2014.

Synchrony Financial (SYF) stock trades at $75.98 with a market capitalization of $24.72B. The stock is valued at a price-to-earnings (P/E) ratio of 7.81, price-to-book of 1.67, price-to-sales of 1.27. Over the past 52 weeks the stock has ranged between $61.48 and $88.77, and currently trades 14.4% below its 52-week high. It pays a dividend yielding 1.59%.

On profitability, Synchrony Financial generates a return on equity (ROE) of 21.78% — well above the market average, a sign of a high-quality business, return on capital employed of 27.56%, an operating margin of 22.85%, a net profit margin of 18.08%.

In its most recent fiscal year, Synchrony Financial reported annual revenue of $19.1B, net profit of $3.6B, revenue has compounded at 8.3% a year over the last five years, profit at 20.7% a year. Profit growing faster than revenue points to expanding margins.

The balance sheet shows a debt-to-equity ratio of 1.00, a current ratio of 0.21, total assets of $119.1B, $15.0B in cash and equivalents.

SYF has an average daily trading volume of 3,900,000 shares, a beta of 1.32 (more volatile than the overall market).

Official website: www.synchrony.com