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	6,096	7,046	- -	- -	25,364	29,274	29,992	16,863	22,210	19,698	24,166	14,288	15,477	25,326	29,193
- 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	6,096	33,339	- -	- -	34,191	35,005	34,716	25,401	24,752	17,214	25,787	14,040	14,135	24,220	28,276
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	- -	- -	0.71	0.58	0.6	0.94	0.8	0.92	0.56	1.01	1.13	0.64	0.54
EV/Sales	0.84	4.13	- -	- -	3.51	3.19	2.81	1.91	1.86	1.54	2.53	1.2	1.04	1.61	1.89
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.11	5.91	- -	- -	5.53	5.38	4.05	2.72	2.75	2.3	3.63	2.1	1.64	2.46	2.87
EV/Free Cash Flow to Firm	1.11	5.91	- -	- -	5.53	5.38	4.05	2.72	2.75	2.3	3.63	2.1	1.64	2.46	2.87
Diluted Market Cap	6,099	5,819	- -	- -	25,415	29,780	31,128	17,525	24,286	19,927	26,114	15,761	16,110	26,131	31,420
Diluted Enterprise Value	6,099	32,112	- -	- -	34,242	35,511	35,852	26,063	26,828	17,443	27,735	15,513	14,768	25,025	30,503
EV per Share	7.34	40.15	- -	- -	41	42.83	45.06	35.34	40.19	29.48	48.95	32.04	34.74	62.38	81.39
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	- -	- -	4.11	4.57	3.63	1.88	2.7	2.66	3.68	2.35	1.87	2.65	3.19
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	6,096	33,339	- -	- -	34,191	35,005	34,716	25,401	24,752	17,214	25,787	14,040	14,135	24,220	28,276
Low Price	6.8	5.82	- -	- -	29.11	23.23	25.91	22.63	22.9	12.19	33.53	26.99	26.65	34.96	41.62
EV/Sales	0.84	4.13	- -	- -	3.51	3.19	2.81	1.91	1.86	1.54	2.53	1.2	1.04	1.61	1.89
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	3.23	2.73	- -	- -	11.46	13.19	16	6.24	6.45	14.79	6.2	5.27	7.3	7.55	8.96
Price/Earnings Average	3.94	2.4	- -	- -	11.59	10.65	13.29	8.66	5.96	11.27	6.07	5.74	6.16	5.55	7.1
Price/Earnings High	5.04	2.95	- -	- -	12.29	13.76	16.01	10.74	6.79	15.85	7	7.92	7.35	7.97	9.13
Price/Earnings Low	2.99	1.88	- -	- -	10.96	8.56	10.65	6.02	4.1	5.35	4.53	4.36	5.11	4.04	4.44
Price/Book Value	- -	1.54	- -	- -	2.01	2.06	2.11	1.15	1.55	1.65	1.87	1.18	1.18	1.65	1.88
Price/Book Value Average	- -	1.35	- -	- -	2.04	1.66	1.75	1.59	1.43	1.25	1.83	1.28	0.99	1.21	1.49
Price/Book Value High	- -	1.66	- -	- -	2.16	2.15	2.11	1.98	1.63	1.76	2.11	1.77	1.18	1.74	1.91
Price/Book Value Low	- -	1.06	- -	- -	1.93	1.34	1.4	1.11	0.98	0.6	1.37	0.97	0.82	0.88	0.93
Price/Tangible Book Value	- -	2.08	- -	- -	2.32	2.34	2.4	1.35	1.85	2.02	2.27	1.39	1.37	1.91	2.26
Price/Tangible Book Value Average	- -	1.82	- -	- -	2.34	1.89	1.99	1.87	1.71	1.54	2.22	1.51	1.15	1.41	1.79
Price/Tangible Book Value High	- -	2.25	- -	- -	2.48	2.44	2.4	2.32	1.95	2.16	2.56	2.09	1.38	2.02	2.3
Price/Tangible Book Value Low	- -	1.43	- -	- -	2.22	1.51	1.6	1.3	1.17	0.73	1.66	1.15	0.96	1.03	1.12
Price/Sales	0.84	0.72	- -	- -	2.6	2.71	2.5	1.31	1.82	1.78	2.54	1.34	1.18	1.72	2.07
Price/Sales Average	1.02	0.63	- -	- -	2.63	2.18	2.08	1.82	1.68	1.36	2.49	1.46	0.99	1.26	1.64
Price/Sales High	1.31	0.78	- -	- -	2.79	2.82	2.51	2.26	1.91	1.91	2.87	2.02	1.18	1.81	2.12
Price/Sales Low	0.78	0.49	- -	- -	2.49	1.76	1.67	1.26	1.15	0.64	1.86	1.11	0.82	0.92	1.03
Price/Cash Flow	1.11	1.03	- -	- -	4.1	4.56	3.61	1.86	2.69	2.65	3.65	2.34	1.86	2.63	3.16
Price/Cash Flow Average	1.35	0.9	- -	- -	4.15	3.68	3	2.59	2.49	2.02	3.57	2.55	1.58	1.93	2.5
Price/Cash Flow High	1.73	1.11	- -	- -	4.4	4.76	3.61	3.21	2.83	2.84	4.12	3.52	1.88	2.77	3.22
Price/Cash Flow Low	1.02	0.7	- -	- -	3.93	2.96	2.4	1.8	1.71	0.96	2.67	1.94	1.31	1.41	1.56
Price/Free Cash Flow Average	1.35	0.91	- -	- -	4.16	3.69	3.02	2.6	2.5	2.03	3.6	2.56	1.58	1.95	2.53
Price/Free Cash Flow High	1.73	1.12	- -	- -	4.41	4.77	3.63	3.23	2.84	2.85	4.15	3.54	1.89	2.8	3.25
Price/Free Cash Flow Low	1.02	0.71	- -	- -	3.93	2.97	2.42	1.81	1.72	0.96	2.69	1.95	1.31	1.42	1.58
EV/Sales Average	1.02	4.03	- -	- -	3.54	2.68	2.4	2.4	1.73	1.12	2.48	1.31	0.86	1.16	1.48
EV/Sales High	1.31	4.2	- -	- -	3.7	3.31	2.81	2.83	1.95	1.67	2.84	1.82	1.05	1.7	1.93
EV/Sales Low	0.78	3.86	- -	- -	3.4	2.25	2	1.87	1.25	0.42	1.89	0.99	0.7	0.83	0.9
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.34	8.49	- -	- -	30.42	35.82	38.92	23.46	36.06	33.73	45.87	32.61	38.04	65.23	84.03
High Price	11.48	9.17	- -	- -	32.64	37.36	38.94	40.38	37.97	36.14	51.81	49.02	38.32	68.89	85.67
Enterprise Value Average	7,454	32,473	- -	- -	34,489	29,360	29,635	31,939	23,081	12,518	25,278	15,314	11,733	17,505	22,218
Enterprise Value High	9,533	33,906	- -	- -	36,045	36,266	34,732	37,560	25,929	18,619	28,914	21,235	14,250	25,642	28,844
Enterprise Value Low	5,648	31,127	- -	- -	33,102	24,716	24,691	24,802	16,644	4,636	19,285	11,580	9,501	12,468	13,542

Per Share Data Items (USD)

Per-Share Data 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

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