Synchrony Financial R Financial Ratios — SFE.DE 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 (%)	- -	- -	- -	390.56	101.23	52.2	31.88	35.32	35.51	11.81	33.61	19.21	12.41	17.01	15.01
Return on Assets (%)	- -	7.93	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 (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.32	1.03	1.2	1.42	1.79	2	2.05	2.27	2.76	3.43	3.83	3.59	3.36	3.19	3.43
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 (%)	- -	- -	- -	390.56	101.23	47.23	24.53	28.56	30	7.24	29.59	16.41	10.12	15.03	13.16

Credit (USD)

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	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	- -	335.12	233.86	209.62	139.53	92	81.89	79.46	54.13	41.19	37.2	33.87	34.9	32.15	29.54
Net Debt/EBITDA	- -	319.05	211.56	119.33	68.7	49.43	36.21	48.34	21.03	11.1	15.82	9.3	3.76	1.56	0.41
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	- -	- -	1.43	3.92	5.91	7.11	8.42	11.56	11.07	14.88	15.99	15.89	18.11	20.65
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 (%)	- -	100	100	96.22	88.05	79.08	75.33	72.75	60.72	58.14	49.2	44.85	45.17	40.35	37.03
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 (%)	- -	100	100	96.22	88.05	79.08	75.33	72.75	60.72	58.14	49.2	44.85	45.17	40.35	37.03
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 (%)	- -	100	100	93.54	78.4	67.01	57.46	61.9	37.52	27.24	29.17	18.25	8.16	3.18	0.8
EBITDA	96	83	104	131	174	219	254	302	367	383	390	419	458	481	514
EBITDA-CapEx	96	83	104	131	174	219	254	302	367	383	390	419	458	481	514
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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	- -	- -	- -	1.43	3.92	5.91	7.11	8.42	11.56	11.07	14.88	15.99	15.89	18.11	20.65
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 (%)	- -	100	100	96.22	88.05	79.08	75.33	72.75	60.72	58.14	49.2	44.85	45.17	40.35	37.03
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 (%)	- -	100	100	96.22	88.05	79.08	75.33	72.75	60.72	58.14	49.2	44.85	45.17	40.35	37.03
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	- -	0.24	0.15	0.36	0.39	0.45	0.47	0.36	0.46	0.42	0.52	0.44	0.44	0.54	0.61

Working Capital (USD)

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	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

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

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Inventory to Cash Days

- -

Inventories

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Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

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	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	6,219	7,170	- -	23,082	25,723	30,709	31,614	17,579	24,640	20,338	27,183	15,780	16,206	25,924	31,197
- 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	6,219	33,463	21,781	37,131	34,550	36,440	36,338	26,117	27,182	17,854	28,804	15,532	14,864	24,818	30,280
Total Capital	- -	27,815	24,321	28,540	27,573	25,478	27,609	32,983	32,718	27,131	29,487	31,642	35,379	38,320	41,003
Total Debt/Capital (%)	- -	100	100	96.22	88.05	79.08	75.33	72.75	60.72	58.14	49.2	44.85	45.17	40.35	37.03
Total Debt / EV	- -	0.83	1.12	0.74	0.7	0.55	0.57	0.92	0.73	0.88	0.5	0.91	1.08	0.62	0.5
EV/Sales	0.85	4.15	2.5	4.02	3.54	3.32	2.94	1.97	2.04	1.6	2.83	1.33	1.09	1.65	2.02
EV/EBITDA	64.78	403.17	209.43	283.44	198.57	166.39	143.06	86.48	74.06	46.62	73.86	37.07	32.46	51.6	58.91
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.13	5.94	3.84	6.95	5.59	5.6	4.24	2.8	3.02	2.38	4.06	2.32	1.73	2.52	3.07
EV/Free Cash Flow to Firm	1.13	5.94	3.84	6.95	5.59	5.6	4.24	2.8	3.02	2.38	4.06	2.32	1.73	2.52	3.07
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	26,481	22,002	15,632	11,954	10,826	9,197	14,600	8,453	4,985	6,904	4,631	2,457	1,973	1,431
EV per Share	7.49	40.3	26.23	49.02	41.44	43.95	45.67	35.18	40.56	30.31	51.02	32.33	35.29	62.59	81.86
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	96	83	104	131	174	219	254	302	367	383	390	419	458	481	514
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)

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	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	6,219	33,463	21,781	37,131	34,550	36,440	36,338	26,117	27,182	17,854	28,804	15,532	14,864	24,818	30,280
Low Price	6.95	6.05	- -	23.06	28.65	24.1	26.69	23.09	23.52	12.59	34.31	27.54	26.62	35.13	41.12
EV/Sales	0.85	4.15	2.5	4.02	3.54	3.32	2.94	1.97	2.04	1.6	2.83	1.33	1.09	1.65	2.02
EV/EBITDA	64.78	403.17	209.43	283.44	198.57	166.39	143.06	86.48	74.06	46.62	73.86	37.07	32.46	51.6	58.91
Price/Earnings	3.29	3.38	- -	10.94	11.62	13.64	16.34	6.3	6.58	15.14	6.5	5.31	7.38	7.56	8.99
Price/Earnings Average	4.09	2.99	- -	9.55	12.17	10.87	13.48	8.82	6.06	11.5	6.21	5.84	6.23	5.57	7.12
Price/Earnings High	5.21	3.68	- -	10.94	13.78	13.88	16.38	10.93	6.86	16.29	7.15	8.11	7.43	7.97	9.21
Price/Earnings Low	3.05	2.37	- -	8.28	10.79	8.88	10.97	6.14	4.21	5.52	4.64	4.45	5.11	4.06	4.39
Price/Book Value	- -	- -	- -	21.37	7.81	5.76	4.64	1.96	2.03	1.91	1.91	0.94	0.87	1.2	1.27
Price/Book Value Average	- -	- -	- -	18.64	8.18	4.59	3.83	2.74	1.88	1.45	1.82	1.04	0.73	0.88	1
Price/Book Value High	- -	- -	- -	21.37	9.26	5.86	4.65	3.39	2.12	2.06	2.1	1.44	0.87	1.26	1.3
Price/Book Value Low	- -	- -	- -	16.17	7.25	3.75	3.12	1.91	1.3	0.7	1.36	0.79	0.6	0.64	0.62
Price/Tangible Book Value	- -	2.11	- -	2.56	2.35	2.45	2.53	1.4	2.05	2.08	2.55	1.53	1.43	1.96	2.41
Price/Tangible Book Value Average	- -	1.87	- -	2.23	2.46	1.95	2.09	1.97	1.89	1.58	2.44	1.69	1.21	1.44	1.91
Price/Tangible Book Value High	- -	2.3	- -	2.56	2.79	2.49	2.54	2.44	2.14	2.24	2.81	2.34	1.44	2.07	2.47
Price/Tangible Book Value Low	- -	1.48	- -	1.94	2.18	1.59	1.7	1.37	1.31	0.76	1.82	1.29	0.99	1.05	1.18
Price/Sales	0.85	0.89	- -	2.5	2.64	2.8	2.56	1.32	1.85	1.82	2.67	1.35	1.19	1.72	2.08
Price/Sales Average	1.06	0.79	- -	2.18	2.77	2.23	2.11	1.85	1.71	1.38	2.55	1.49	1	1.27	1.65
Price/Sales High	1.35	0.97	- -	2.5	3.13	2.85	2.56	2.3	1.93	1.96	2.93	2.07	1.2	1.82	2.13
Price/Sales Low	0.79	0.62	- -	1.89	2.45	1.82	1.72	1.29	1.18	0.66	1.9	1.13	0.82	0.93	1.02
Price/Cash Flow	1.13	1.27	- -	4.32	4.16	4.72	3.69	1.88	2.74	2.72	3.83	2.36	1.89	2.63	3.17
Price/Cash Flow Average	1.4	1.12	- -	3.77	4.36	3.76	3.04	2.64	2.53	2.06	3.65	2.6	1.59	1.94	2.51
Price/Cash Flow High	1.78	1.38	- -	4.32	4.93	4.8	3.7	3.26	2.86	2.92	4.21	3.6	1.9	2.77	3.24
Price/Cash Flow Low	1.05	0.89	- -	3.27	3.86	3.07	2.48	1.83	1.75	0.99	2.73	1.98	1.3	1.41	1.54
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	1.06	4.07	2.53	3.87	3.99	3.22	2.85	2.95	2.34	1.83	3.22	1.89	1.18	1.4	1.74
EV/Sales High	1.35	4.25	2.53	4.19	4.36	3.83	3.31	3.4	2.57	2.41	3.61	2.46	1.38	1.95	2.23
EV/Sales Low	0.79	3.91	2.53	3.59	3.68	2.81	2.46	2.39	1.82	1.11	2.58	1.53	1	1.06	1.11
EV/EBITDA Average	80.49	395.39	211.56	273.02	223.61	161.16	138.91	129.87	84.95	53.35	84.21	52.54	35.22	43.79	50.84
EV/EBITDA High	102.55	413.1	211.56	295.52	244.07	192.1	161	149.34	93.1	70.13	94.34	68.63	40.97	60.91	64.94
EV/EBITDA Low	60.14	379.58	211.56	252.65	206	140.67	119.8	105.1	65.99	32.38	67.37	42.62	29.84	33.06	32.38
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.49	8.64	- -	30.47	30.85	37.03	39.74	23.68	36.76	34.53	48.15	32.85	38.48	65.38	84.34
High Price	11.86	9.4	- -	30.47	36.6	37.68	39.84	41.09	38.37	37.14	52.94	50.22	38.71	68.92	86.36
Enterprise Value Average	7,727	32,817	22,002	35,765	38,908	35,293	35,282	39,221	31,177	20,432	32,844	22,014	16,131	21,061	26,133
Enterprise Value High	9,845	34,287	22,002	38,714	42,468	42,070	40,893	45,100	34,167	26,859	36,794	28,755	18,763	29,300	33,377
Enterprise Value Low	5,774	31,505	22,002	33,098	35,844	30,807	30,429	31,741	24,219	12,402	26,275	17,860	13,669	15,902	16,643

Shares Outstanding	- -	830	830	834	834	817	771	719	616	584	527	438	407	388	347
Diluted Weighted Avg Shares	- -	- -	831	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	830	830	830	757	834	829	796	742	670	589	565	480	421	396	370
Revenue per Share	8.77	9.71	10.48	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	0.12	0.1	0.13	0.17	0.21	0.26	0.32	0.41	0.55	0.65	0.69	0.87	1.09	1.21	1.39
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.28	2.55	2.38	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	2.55	2.38	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	- -	- -	2.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	2.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	6.79	6.84	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	6.79	6.84	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	17.71	18.53	17.39	20.2	20.82	26.94	32.25	24.12	31.58	42.87	44.87	46.83
Book Value per Share	- -	- -	- -	1.43	3.95	6.43	8.56	12.11	18.08	18.03	25.23	34.8	44.31	54.57	66.5
Tangible Book Value per Share	- -	4.08	5.67	11.9	13.14	15.12	15.7	16.86	17.92	16.58	18.86	21.42	26.91	33.37	34.94

Synchrony Financial R

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)