Synchrony Financial Financial Ratios — SYF-PA 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
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
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
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	- -	0.15	0.15	0.14	0.17	0.21	0.23	0.25	0.3	0.28	0.32	0.34	0.34	0.39	0.42

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
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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
Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- 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	- -	26,293	21,781	14,049	8,827	5,731	4,724	8,538	2,542	-2,484	1,621	-248	-1,342	-1,106	-917
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	- -	1.06	1.12	1.95	2.75	3.52	4.4	2.81	7.82	-6.35	8.95	-57.22	-11.91	-13.98	-16.56
EV/Sales	- -	3.26	2.5	1.52	0.91	0.52	0.38	0.64	0.19	- -	0.16	- -	- -	- -	- -
EV/EBITDA	- -	316.78	209.43	107.24	50.73	26.17	18.6	28.27	6.93	- -	4.16	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	4.66	3.84	2.63	1.43	0.88	0.55	0.91	0.28	- -	0.23	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	4.66	3.84	2.63	1.43	0.88	0.55	0.91	0.28	- -	0.23	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	26,293	21,781	14,049	8,827	5,731	4,724	8,538	2,542	-2,484	1,621	-248	-1,342	-1,106	-917
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	24.82	9	25.42	16.66	13.72	17.03	16.19
EV/Sales	- -	3.26	2.5	1.52	0.91	0.52	0.38	0.64	0.19	- -	0.16	- -	- -	- -	- -
EV/EBITDA	- -	316.78	209.43	107.24	50.73	26.17	18.6	28.27	6.93	- -	4.16	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	- -	3.28	2.53	1.69	1.23	0.99	0.74	1.1	0.63	0.45	0.68	0.4	0.18	0.13	0.1
EV/Sales High	- -	3.28	2.53	1.69	1.23	0.99	0.74	1.1	0.63	0.45	0.68	0.4	0.18	0.13	0.1
EV/Sales Low	- -	3.28	2.53	1.69	1.23	0.99	0.74	1.1	0.63	0.45	0.68	0.4	0.18	0.13	0.1
EV/EBITDA Average	- -	319.05	211.56	119.33	68.7	49.43	36.21	48.34	23.03	13.02	17.7	11.05	5.36	4.1	2.78
EV/EBITDA High	- -	319.05	211.56	119.33	68.7	49.43	36.21	48.34	23.03	13.02	17.7	11.05	5.36	4.1	2.78
EV/EBITDA Low	- -	319.05	211.56	119.33	68.7	49.43	36.21	48.34	23.03	13.02	17.7	11.05	5.36	4.1	2.78
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	25.55	26.7	26.93	17.15	17.25	19.18	19.59
High Price	- -	- -	- -	- -	- -	- -	- -	- -	25.85	27.22	27.58	27.08	20.13	21.94	20.8
Enterprise Value Average	- -	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
Enterprise Value High	- -	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
Enterprise Value Low	- -	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

	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
Shares Outstanding	- -	830	830	834	834	817	771	719	616	584	527	438	407	388	347
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Synchrony Financial

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)