Synchrony Financial Financial Ratios — SYF 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 (%)	- -	92.49	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 (%)	- -	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 (%)	- -	92.49	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	- -	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	- -	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	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)

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	- -	0.15	0.15	0.37	0.39	0.44	0.45	0.36	0.44	0.42	0.5	0.44	0.43	0.53	0.59

Working Capital (USD)

Working Capital 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

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)

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	- -	- -	- -	24,804	25,357	29,645	29,750	16,861	22,179	20,271	24,440	14,400	15,539	25,237	28,984
- 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	38,853	34,184	35,376	34,474	25,399	24,721	17,787	26,061	14,152	14,197	24,131	28,067
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	- -	1.06	1.12	0.71	0.71	0.57	0.6	0.94	0.8	0.89	0.56	1	1.13	0.64	0.54
EV/Sales	- -	3.26	2.5	4.21	3.51	3.22	2.79	1.91	1.86	1.59	2.56	1.21	1.04	1.6	1.87
EV/EBITDA	- -	316.78	209.43	296.59	196.46	161.54	135.73	84.1	67.36	46.44	66.82	33.78	31	50.17	54.6
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	4.66	3.84	7.28	5.53	5.43	4.02	2.72	2.75	2.38	3.67	2.11	1.65	2.45	2.85
EV/Free Cash Flow to Firm	- -	4.66	3.84	7.28	5.53	5.43	4.02	2.72	2.75	2.38	3.67	2.11	1.65	2.45	2.85
Diluted Market Cap	- -	- -	- -	22,539	25,407	30,158	30,876	17,522	24,253	20,507	26,410	15,884	16,173	26,039	31,194
Diluted Enterprise Value	- -	26,481	22,002	38,171	37,361	40,984	40,073	32,122	32,706	25,492	33,314	20,515	18,630	28,012	32,625
EV per Share	- -	31.67	26.23	46.6	41	43.28	44.74	35.34	40.14	30.46	49.47	32.29	34.89	62.15	80.79
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)

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	- -	- -	- -	4.22	4.11	4.63	3.6	1.88	2.7	2.74	3.72	2.37	1.88	2.64	3.17
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	26,293	21,781	38,853	34,184	35,376	34,474	25,399	24,721	17,787	26,061	14,152	14,197	24,131	28,067
Low Price	- -	- -	- -	22.6	27.92	23.25	26.01	21.78	23.12	12.15	33.41	27.22	26.59	35.29	40.55
EV/Sales	- -	3.26	2.5	4.21	3.51	3.22	2.79	1.91	1.86	1.59	2.56	1.21	1.04	1.6	1.87
EV/EBITDA	- -	316.78	209.43	296.59	196.46	161.54	135.73	84.1	67.36	46.44	66.82	33.78	31	50.17	54.6
Price/Earnings	- -	- -	- -	10.68	11.45	13.36	15.87	6.24	6.44	15.22	6.27	5.31	7.32	7.52	8.9
Price/Earnings Average	- -	- -	- -	9.48	12.02	10.71	13.32	8.66	6	11.29	6.12	5.77	6.19	5.59	7.12
Price/Earnings High	- -	- -	- -	11	13.71	13.74	16.11	10.8	6.83	15.98	7.09	8.11	7.4	8.03	9.22
Price/Earnings Low	- -	- -	- -	8.12	10.51	8.56	10.69	5.79	4.14	5.33	4.51	4.4	5.1	4.08	4.32
Price/Book Value	- -	- -	- -	2.37	2.01	2.09	2.09	1.15	1.55	1.69	1.89	1.19	1.18	1.64	1.86
Price/Book Value Average	- -	- -	- -	2.1	2.11	1.67	1.75	1.59	1.44	1.26	1.85	1.29	1	1.22	1.49
Price/Book Value High	- -	- -	- -	2.44	2.41	2.15	2.12	1.99	1.64	1.78	2.14	1.81	1.19	1.75	1.93
Price/Book Value Low	- -	- -	- -	1.8	1.85	1.34	1.41	1.07	0.99	0.59	1.36	0.98	0.82	0.89	0.91
Price/Tangible Book Value	- -	- -	- -	2.75	2.31	2.37	2.38	1.35	1.85	2.08	2.3	1.4	1.37	1.91	2.24
Price/Tangible Book Value Average	- -	- -	- -	2.44	2.43	1.9	2	1.87	1.72	1.54	2.24	1.52	1.16	1.42	1.8
Price/Tangible Book Value High	- -	- -	- -	2.84	2.77	2.43	2.42	2.33	1.96	2.18	2.6	2.14	1.39	2.04	2.32
Price/Tangible Book Value Low	- -	- -	- -	2.09	2.13	1.52	1.6	1.25	1.19	0.73	1.65	1.16	0.95	1.04	1.09
Price/Sales	- -	- -	- -	2.44	2.6	2.74	2.48	1.31	1.81	1.83	2.57	1.35	1.18	1.71	2.06
Price/Sales Average	- -	- -	- -	2.17	2.73	2.2	2.08	1.82	1.69	1.36	2.51	1.47	1	1.27	1.65
Price/Sales High	- -	- -	- -	2.51	3.11	2.82	2.52	2.27	1.92	1.92	2.91	2.07	1.19	1.83	2.14
Price/Sales Low	- -	- -	- -	1.85	2.39	1.76	1.67	1.22	1.16	0.64	1.85	1.12	0.82	0.93	1
Price/Cash Flow	- -	- -	- -	4.22	4.1	4.62	3.58	1.86	2.68	2.73	3.69	2.36	1.87	2.62	3.13
Price/Cash Flow Average	- -	- -	- -	3.74	4.3	3.7	3.01	2.59	2.5	2.03	3.6	2.56	1.58	1.95	2.51
Price/Cash Flow High	- -	- -	- -	4.35	4.91	4.75	3.63	3.23	2.85	2.87	4.17	3.6	1.89	2.79	3.25
Price/Cash Flow Low	- -	- -	- -	3.21	3.76	2.96	2.41	1.73	1.72	0.96	2.66	1.95	1.3	1.42	1.52
Price/Free Cash Flow Average	- -	- -	- -	3.74	4.31	3.71	3.02	2.6	2.51	2.03	3.63	2.58	1.59	1.97	2.54
Price/Free Cash Flow High	- -	- -	- -	4.35	4.92	4.76	3.65	3.25	2.86	2.87	4.21	3.63	1.9	2.82	3.28
Price/Free Cash Flow Low	- -	- -	- -	3.21	3.77	2.97	2.43	1.74	1.73	0.96	2.68	1.97	1.31	1.44	1.54
EV/Sales Average	- -	3.28	2.53	4.08	3.96	3.15	2.76	2.86	2.19	1.79	3.02	1.74	1.14	1.38	1.65
EV/Sales High	- -	3.28	2.53	4.46	4.34	3.77	3.18	3.3	2.4	2.35	3.39	2.28	1.33	1.92	2.1
EV/Sales Low	- -	3.28	2.53	3.74	3.61	2.72	2.36	2.28	1.7	1.08	2.4	1.42	0.97	1.04	1.04
EV/EBITDA Average	- -	319.05	211.56	287.28	221.67	157.94	134.49	125.85	79.35	52.27	78.86	48.43	34.02	43.11	47.95
EV/EBITDA High	- -	319.05	211.56	314.34	243.13	188.68	155.03	144.94	87.11	68.57	88.61	63.55	39.65	60.11	61.23
EV/EBITDA Low	- -	319.05	211.56	263.17	202.5	136.21	115.11	100.18	61.83	31.54	62.83	39.52	28.99	32.59	30.19
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	29.75	30.41	36.27	38.61	23.46	36.01	34.71	46.39	32.86	38.19	65	83.43
High Price	- -	- -	- -	30.64	36.4	37.31	39.17	40.59	38.18	36.43	52.49	50.2	38.59	69.39	86.48
Enterprise Value Average	- -	26,481	22,002	37,634	38,570	34,590	34,160	38,006	29,120	20,020	30,757	20,291	15,583	20,737	24,644
Enterprise Value High	- -	26,481	22,002	41,179	42,305	41,321	39,379	43,772	31,969	26,260	34,557	26,629	18,158	28,914	31,474
Enterprise Value Low	- -	26,481	22,002	34,475	35,234	29,829	29,239	30,253	22,693	12,081	24,505	16,559	13,276	15,675	15,518

Shares Outstanding	- -	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	0.12	0.12	0.15	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	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