Synchrony Financial Financial Ratios — SFE Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	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
Return on Assets (%)	- -	- -	3.52	3.13	2.77	2.58	2.08	2.75	3.54	1.38	4.4	3.01	2.02	2.95	2.98
Return on 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
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	41.36	41.87	36.12	36.68	36.23	32.54	26.88	27.43	36.71	16.1	53.99	33.94	21.31	30.24	30.85
Profit Margin (%)	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
Net Income to Common Margin (%)	25.97	26.28	22.75	22.85	22.71	20.52	15.65	21	28.15	12.03	41	25.48	16.12	22.76	23.16
Effective Tax Rate (%)	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
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	9.51	23.05	19.14	15.51	38.72	11.96	14.59	18.49	11.61	12.31
Sustainable Growth Rate (%)	- -	- -	37.55	25.66	19.18	15.2	10.47	15.61	21.81	6.25	29.56	20.27	14.15	21.24	19.69

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	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
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	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
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	8.57	10.09	13.84	15.01	15.74	14.86	13.74	13.69	12.47	13.49	11.61	11.21	12.86	13.05
Long-Term Debt/Equity (%)	- -	607.05	408.07	262.07	192.63	141.92	146.12	163.48	131.67	124.2	106.24	110.24	114.95	93.26	90.55
Long-Term Debt/Capital (%)	- -	85.86	80.32	72.38	65.83	58.66	59.37	62.05	56.83	55.4	51.51	52.43	53.48	48.26	47.52
Long-Term Debt/Total Assets (%)	- -	52.03	41.16	36.27	28.91	22.33	21.71	22.47	18.95	16.44	15.15	13.57	13.6	12.94	12.75
Total Debt/Equity (%)	- -	607.05	408.07	262.07	192.63	141.92	146.12	163.48	131.67	124.2	106.24	110.24	114.95	93.26	90.55
Total Debt/Capital (%)	- -	85.86	80.32	72.38	65.83	58.66	59.37	62.05	56.83	55.4	51.51	52.43	53.48	48.26	47.52
Total Debt/Total Assets (%)	- -	52.03	41.16	36.27	28.91	22.33	21.71	22.47	18.95	16.44	15.15	13.57	13.6	12.94	12.75
Net Debt to Equity	- -	577.94	369.16	149.19	94.84	76.26	64.61	99.47	51.16	33.47	45.18	30.27	12.39	4.53	1.25
Net Debt/Capital (%)	- -	85.25	78.69	59.87	48.68	43.27	39.25	49.87	33.84	25.08	31.12	23.24	11.03	4.33	1.23
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	8.57	10.09	13.84	15.01	15.74	14.86	13.74	13.69	12.47	13.49	11.61	11.21	12.86	13.05
Long-Term Debt/Equity (%)	- -	607.05	408.07	262.07	192.63	141.92	146.12	163.48	131.67	124.2	106.24	110.24	114.95	93.26	90.55
Long-Term Debt/Capital (%)	- -	85.86	80.32	72.38	65.83	58.66	59.37	62.05	56.83	55.4	51.51	52.43	53.48	48.26	47.52
Long-Term Debt/Total Assets (%)	- -	52.03	41.16	36.27	28.91	22.33	21.71	22.47	18.95	16.44	15.15	13.57	13.6	12.94	12.75
Total Debt/Equity (%)	- -	607.05	408.07	262.07	192.63	141.92	146.12	163.48	131.67	124.2	106.24	110.24	114.95	93.26	90.55
Total Debt/Capital (%)	- -	85.86	80.32	72.38	65.83	58.66	59.37	62.05	56.83	55.4	51.51	52.43	53.48	48.26	47.52
Total Debt/Total Assets (%)	- -	52.03	41.16	36.27	28.91	22.33	21.71	22.47	18.95	16.44	15.15	13.57	13.6	12.94	12.75
CFO/Total Liabilities	- -	11.53	10.69	8.19	8.66	8.57	10.51	10.14	10.02	8.99	8.65	7.3	8.3	9.57	9.63
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	6,095	7,028	- -	24,923	25,236	29,683	30,016	16,690	22,203	19,784	24,876	14,178	15,405	25,274	29,144
- Cash & Cash Equivalents	- -	1,334	2,319	11,828	12,325	9,321	11,602	9,396	12,147	11,524	8,337	10,294	14,259	14,711	14,973
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	734	734	734	734	734	1,222	1,222
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	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
Enterprise Value	6,095	33,321	- -	38,972	34,063	35,414	34,740	25,228	24,745	17,300	26,497	13,930	14,063	24,168	28,227
Total Capital	- -	32,397	30,281	37,938	36,883	34,343	35,033	38,674	34,954	28,476	28,162	27,064	29,885	32,042	31,948
Total Debt/Capital (%)	- -	85.86	80.32	72.38	65.83	58.66	59.37	62.05	56.83	55.4	51.51	52.43	53.48	48.26	47.52
Total Debt / EV	- -	0.83	- -	0.7	0.71	0.57	0.6	0.95	0.8	0.91	0.55	1.02	1.14	0.64	0.54
EV/Sales	0.84	4.13	- -	4.22	3.49	3.23	2.81	1.9	1.86	1.55	2.6	1.19	1.03	1.61	1.88
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.1	5.91	- -	7.3	5.51	5.44	4.05	2.7	2.75	2.31	3.73	2.08	1.64	2.45	2.87
EV/Free Cash Flow to Firm	1.1	5.91	- -	7.3	5.51	5.44	4.05	2.7	2.75	2.31	3.73	2.08	1.64	2.45	2.87
Diluted Market Cap	6,098	5,803	- -	22,646	25,287	30,197	31,153	17,345	24,278	20,014	26,882	15,640	16,035	26,077	31,367
Diluted Enterprise Value	6,098	32,096	- -	36,695	34,114	35,928	35,877	25,883	26,820	17,530	28,503	15,392	14,693	24,971	30,450
EV per Share	7.34	40.13	- -	46.74	40.85	43.33	45.09	35.1	40.18	29.62	50.3	31.79	34.56	62.25	81.25
TTM Sales	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
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5,516	5,637	5,679	5,340	6,184	6,511	8,575	9,342	8,990	7,487	7,099	6,694	8,593	9,848	9,851
TTM Free Cash Flow to Firm	5,516	5,637	5,679	5,340	6,184	6,511	8,575	9,342	8,990	7,487	7,099	6,694	8,593	9,848	9,851

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	1.11	1.03	- -	4.24	4.09	4.64	3.63	1.86	2.7	2.67	3.79	2.34	1.87	2.65	3.18
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	6,095	33,321	- -	38,972	34,063	35,414	34,740	25,228	24,745	17,300	26,497	13,930	14,063	24,168	28,227
Low Price	6.81	5.93	- -	22.61	28.11	23.6	26.16	22.64	23.07	12.34	33.64	26.99	26.28	34.77	41.28
EV/Sales	0.84	4.13	- -	4.22	3.49	3.23	2.81	1.9	1.86	1.55	2.6	1.19	1.03	1.61	1.88
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	3.22	2.73	- -	10.73	11.4	13.38	16.02	6.18	6.45	14.86	6.38	5.23	7.26	7.53	8.95
Price/Earnings Average	4.01	2.41	- -	9.36	11.94	10.66	13.22	8.65	5.95	11.28	6.09	5.73	6.15	5.53	7.1
Price/Earnings High	5.11	2.97	- -	10.73	13.52	13.61	16.06	10.71	6.73	15.97	7.01	7.95	7.34	7.93	9.13
Price/Earnings Low	2.99	1.91	- -	8.12	10.58	8.69	10.76	6.02	4.13	5.41	4.55	4.36	5.04	4.02	4.4
Price/Book Value	- -	1.53	- -	2.38	2	2.09	2.11	1.14	1.55	1.65	1.93	1.17	1.17	1.65	1.87
Price/Book Value Average	- -	1.36	- -	2.07	2.1	1.67	1.74	1.59	1.43	1.25	1.84	1.28	0.99	1.21	1.49
Price/Book Value High	- -	1.67	- -	2.38	2.37	2.13	2.11	1.97	1.61	1.78	2.12	1.78	1.18	1.73	1.91
Price/Book Value Low	- -	1.08	- -	1.8	1.86	1.36	1.42	1.11	0.99	0.6	1.37	0.97	0.81	0.88	0.92
Price/Tangible Book Value	- -	2.07	- -	2.77	2.3	2.37	2.4	1.33	1.85	2.03	2.34	1.38	1.36	1.91	2.25
Price/Tangible Book Value Average	- -	1.83	- -	2.41	2.41	1.89	1.98	1.87	1.71	1.54	2.23	1.51	1.15	1.4	1.79
Price/Tangible Book Value High	- -	2.26	- -	2.77	2.73	2.41	2.41	2.31	1.93	2.18	2.57	2.1	1.37	2.01	2.3
Price/Tangible Book Value Low	- -	1.45	- -	2.09	2.14	1.54	1.61	1.3	1.18	0.74	1.66	1.15	0.94	1.02	1.11
Price/Sales	0.84	0.72	- -	2.45	2.59	2.74	2.51	1.3	1.81	1.79	2.62	1.33	1.17	1.71	2.07
Price/Sales Average	1.04	0.63	- -	2.14	2.71	2.19	2.07	1.82	1.67	1.36	2.5	1.46	0.99	1.26	1.64
Price/Sales High	1.33	0.78	- -	2.45	3.07	2.79	2.51	2.25	1.89	1.92	2.87	2.03	1.18	1.81	2.12
Price/Sales Low	0.78	0.5	- -	1.85	2.4	1.78	1.68	1.27	1.16	0.65	1.86	1.11	0.81	0.92	1.02
Price/Cash Flow	1.1	1.02	- -	4.24	4.08	4.62	3.61	1.85	2.69	2.67	3.76	2.32	1.86	2.62	3.15
Price/Cash Flow Average	1.37	0.91	- -	3.7	4.27	3.69	2.98	2.58	2.48	2.02	3.58	2.55	1.57	1.93	2.5
Price/Cash Flow High	1.75	1.12	- -	4.24	4.84	4.7	3.62	3.2	2.8	2.86	4.13	3.53	1.88	2.76	3.22
Price/Cash Flow Low	1.03	0.72	- -	3.21	3.79	3.01	2.43	1.8	1.72	0.97	2.68	1.94	1.29	1.4	1.55
Price/Free Cash Flow Average	1.37	0.91	- -	3.7	4.28	3.7	3	2.6	2.49	2.03	3.61	2.56	1.58	1.95	2.53
Price/Free Cash Flow High	1.75	1.12	- -	4.24	4.85	4.72	3.64	3.22	2.82	2.87	4.16	3.56	1.89	2.79	3.25
Price/Free Cash Flow Low	1.03	0.72	- -	3.21	3.8	3.01	2.44	1.81	1.73	0.97	2.7	1.95	1.29	1.41	1.57
EV/Sales Average	1.04	4.03	- -	3.88	3.62	2.68	2.39	2.4	1.73	1.12	2.49	1.31	0.86	1.16	1.48
EV/Sales High	1.33	4.21	- -	4.22	3.98	3.27	2.82	2.82	1.93	1.68	2.84	1.83	1.04	1.7	1.93
EV/Sales Low	0.78	3.87	- -	3.56	3.31	2.28	2.01	1.87	1.26	0.42	1.9	0.99	0.69	0.82	0.9
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.34	8.46	- -	29.89	30.27	36.32	38.96	23.22	36.05	33.88	47.22	32.35	37.86	65.09	83.89
High Price	11.62	9.23	- -	29.89	35.89	36.94	39.06	40.27	37.62	36.42	51.9	49.23	38.26	68.58	85.66
Enterprise Value Average	7,576	32,505	- -	35,780	35,257	29,381	29,496	31,914	23,025	12,533	25,356	15,304	11,700	17,464	22,207
Enterprise Value High	9,651	33,960	- -	38,972	38,753	35,923	34,824	37,482	25,712	18,783	28,963	21,326	14,225	25,521	28,841
Enterprise Value Low	5,654	31,220	- -	32,897	32,262	25,019	24,880	24,810	16,749	4,725	19,345	11,578	9,349	12,392	13,425

Shares Outstanding	830	830	830	834	834	817	771	719	616	584	527	438	407	388	347
Diluted Weighted Avg Shares	831	686	686	758	835	831	800	747	673	591	569	483	423	401	374
Basic Weighted Avg Shares	830	682	682	757	834	829	796	742	670	589	565	480	421	396	370
Revenue per Share	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
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	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
Basic EPS from Cont Ops	2.28	3.1	2.9	2.78	2.66	2.71	2.43	3.76	5.59	2.35	7.48	6.28	5.31	8.82	9.6
Diluted EPS, GAAP	2.28	3.09	2.89	2.78	2.65	2.71	2.42	3.74	5.56	2.27	7.34	6.15	5.19	8.55	9.28
Diluted EPS from Cont Ops	2.28	3.09	2.89	2.78	2.65	2.71	2.42	3.74	5.56	2.34	7.41	6.24	5.28	8.73	9.5
Dividend per Share	- -	- -	- -	- -	- -	0.26	0.56	0.72	0.87	0.95	0.96	0.99	1.06	1.19	1.38
Cash Flow per Share	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
Free Cash Flow per Basic Share	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
Cash & Equivalents per Share	- -	1.83	3.06	16.08	18.53	17.64	20.86	21.51	29.32	32.52	25.85	34.62	44.38	45.82	49.86
Book Value 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
Tangible 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

Synchrony Financial

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)