Synchrony Financial

Synchrony Financial

66.50
EUR
+0.82
(+1.25%)
8.75EPS
7.94P/E
22.28BMarket Cap
Jan 22Next Earn
Synchrony Financial
DUS:SFE
(Dusseldorf Stock Exchange)

Recent

price

66.50

P/E

ratio

7.94

div

yld

1.90%

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
USD
8.77
11.82
12.74
12.19
11.69
13.23
15.54
17.9
19.86
18.95
18.05
24.3
32.35
37.97
40.5
43.19
Revenue per Share
2.28
3.1
2.9
2.78
2.66
2.71
2.43
3.76
5.59
2.28
7.4
6.19
5.21
8.64
9.38
9.87
Basic EPS, GAAP
6.64
8.26
8.32
7.05
7.42
7.85
10.78
12.59
13.41
12.71
12.57
13.93
20.4
24.84
26.63
27.85
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
0.26
0.56
0.72
0.87
0.95
0.96
0.99
1.06
1.19
1.38
1.45
Dividend per Share
- -
5.52
7.18
12.57
15.12
17.37
18.47
20.42
23.3
20.49
24.53
27.7
32.37
39.56
44.74
46.71
Book Value per Share
- -
4.08
5.67
10.81
13.14
15.34
16.21
17.42
19.5
16.72
20.21
23.49
27.86
34.08
37.21
42.05
Tangible Book Value per Share
830
682
682
757
834
829
796
742
670
589
565
480
421
396
370
348
Basic Weighted Avg Shares
7,278
8,064
8,698
9,230
9,747
10,972
12,367
13,284
13,312
11,162
10,192
11,674
13,627
15,056
14,981
15,032
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
96
83
104
131
174
219
254
302
367
383
390
419
458
481
514
555
Depreciation Expense
1,890
2,119
1,979
2,109
2,214
2,251
1,935
2,790
3,747
1,385
4,221
3,016
2,238
3,499
3,552
3,518
Net Income, GAAP
37.21
37.23
37.01
37.71
37.3
36.95
41.79
23.44
23.33
22.93
23.3
23.88
22.93
23.15
23.13
23.75
Effective Tax Rate (%)
25.97
26.28
22.75
22.85
22.71
20.52
15.65
21
28.15
12.41
41.41
25.84
16.42
23.24
23.71
23.4
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
27,815
24,321
27,460
24,279
20,147
20,799
23,996
19,866
15,775
14,507
14,191
15,982
15,462
15,182
16,432
LT Debt
- -
4,582
5,960
10,478
12,604
14,196
14,234
14,678
15,088
12,701
13,655
12,873
13,903
16,580
16,766
16,897
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
6.31
6.18
5.92
6.32
5.58
7.57
10.18
4.37
14.91
10.92
7.86
11.3
11.1
10.61
Return on Capital (%)
- -
- -
37.55
25.66
19.18
16.8
13.61
19.3
25.81
10.2
33.58
23.74
17.35
24.03
22.45
22.23
Return on Common Equity (%)

Capital Structure

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
15,182
16,428
16,432
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
1,222
1,222
1,716
Shares Outstanding
347
337
325
Market Capitalization
29,254
22,448
25,456

Working Capital

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
17,321
23,599
18,599
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.31%
6.03%
1.12%
Free Cash Flow
5.76%
6.42%
0.03%
Net Income, GAAP
21.13%
41.65%
1.51%
Sales/Revenue/Turnover
4.93%
6.51%
-0.5%
Total Cash Common Dividend
- -
-3.64%
7.29%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,729
3,712
3,814
2,732
15,056
2025
3,718
3,647
3,823
3,793
14,981
2026
3,698
3,718
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.17
1.56
1.96
1.93
8.64
2025
1.91
2.51
2.89
2.07
9.38
2026
2.29
2.61
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.28
0.3
0.31
0.3
1.19
2025
0.31
0.36
0.36
0.36
1.38
2026
0.37
0.37
- -
- -
- -
Business
Synchrony Financial is a premier consumer financial services company specializing in private label and co-branded credit programs, healthcare finance, installment lending, and deposits through its subsidiary Synchrony Bank. Its core product offerings include retail credit cards and financing solutions available at thousands of merchant locations across the United States; Synchrony Pay Later, a "buy now, pay later" service offering flexible installment payment options; and award-winning deposit products such as high-yield savings accounts, certificates of deposit, money market accounts, and individual retirement accounts with FDIC insurance. The company serves a diverse range of industries including retail, healthcare, telecommunications, home improvement, automotive, and pet care. Founded in 1932 and headquartered in Stamford, Connecticut, Synchrony Financial operates primarily in the U.S. market and partners with national and regional retailers, manufacturers, healthcare providers, and buying groups to offer consumers tailored financing solutions through digitally enabled platforms, enhancing the omnichannel customer experience. Recent major changes include the expansion of partnerships with key retailers such as Sam’s Club and JCPenney, the integration and transition of merchants to the Synchrony Pay Later platform following the 2024 acquisition of Ally Lending’s business, and the launch of innovative health and wellness financing collaborations including a joint solution connecting CareCredit and Pets Best. Synchrony also increased its share repurchase authorization by $1 billion in 2025 to a total of $2.1 billion through mid-2026, underscoring its commitment to shareholder value. Operationally, the company has focused on improving credit risk metrics, increasing operational efficiency, and expanding its digital wallet and payment capabilities, including enhanced Apple Pay integration and rewards offerings. Synchrony Financial continues to diversify its portfolio and deepen its footprint in consumer finance through strategic alliances and product innovation.

Company News

  • Synchrony Aces The Quarter As Credit Fears Fade

  • These Analysts Revise Their Forecasts On Synchrony Financial After Q3 Results

  • CareCredit Introduces CareCredit Pay Later, Offering Consumers Another Way to Plan and Pay for Health and Wellness Care

  • Synchrony: 3 Key Takeaways for Long-Term Investors

  • Synchrony Financial (SYF) Q3 2026 Earnings Call Highlights: Record Purchase Volume and Strong Credit Drive $2.68 EPS

  • Synchrony Q3 Earnings Beat Estimates on Improved Purchase Volume

  • Synchrony Financial (SYF) Q3 2026 Earnings Call Transcript

  • What Synchrony Financial (SYF) Said on Its Q3 Earnings Call

  • Synchrony (SYF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

  • Synchrony Financial Profit Falls on Higher Costs but Credit Trends Improve

  • Synchrony (SYF) Q3 Earnings Top Estimates

  • Synchrony Reports Third Quarter 2026 Results

  • 8,395 Synchrony Financial $SYF Shares Acquired by CWA Asset Management Group LLC

  • 10,886 Shares of Synchrony Financial $SYF Acquired by First Citizens Bank & Trust Co.

  • Countdown to Synchrony (SYF) Q3 Earnings: A Look at Estimates Beyond Revenue and EPS

  • Synchrony Financial Likely To Report Lower Q3 Earnings; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call

  • Can Higher Purchase Volumes Lift Synchrony Financial's Q3 Earnings?

  • Is the Options Market Predicting a Spike in Synchrony Financial Stock?

  • Synchrony (SYF) Expected to Beat Earnings Estimates: Should You Buy?

  • Weave and CareCredit Go Live with Integration That Places Patient Financing Inside the Front-Office Workflow