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 (%)	- -	- -	- -	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	- -	0.15	0.15	0.35	0.39	0.45	0.46	0.36	0.46	0.43	0.51	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	- -	- -	- -	22,533	25,356	30,075	30,718	17,414	24,134	20,444	26,192	15,786	16,086	25,772	30,861
- 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	36,582	34,183	35,806	35,442	25,952	26,676	17,960	27,813	15,538	14,744	24,666	29,944
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	0.75	0.71	0.56	0.59	0.92	0.74	0.88	0.52	0.91	1.08	0.63	0.51
EV/Sales	- -	3.26	2.5	3.96	3.51	3.26	2.87	1.95	2	1.61	2.73	1.33	1.08	1.64	2
EV/EBITDA	- -	316.78	209.43	279.25	196.45	163.5	139.54	85.93	72.69	46.89	71.31	37.08	32.19	51.28	58.26
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	4.66	3.84	6.85	5.53	5.5	4.13	2.78	2.97	2.4	3.92	2.32	1.72	2.5	3.04
EV/Free Cash Flow to Firm	- -	4.66	3.84	6.85	5.53	5.5	4.13	2.78	2.97	2.4	3.92	2.32	1.72	2.5	3.04
Diluted Market Cap	- -	- -	- -	22,539	25,408	30,159	30,876	17,522	24,253	20,507	26,410	15,885	16,173	26,039	31,194
Diluted Enterprise Value	- -	26,481	22,002	38,171	37,362	40,985	40,073	32,122	32,706	25,492	33,314	20,516	18,630	28,012	32,625
EV per Share	- -	31.67	26.23	48.3	41	43.18	44.55	34.96	39.8	30.49	49.26	32.34	35	62.21	80.95
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	- -	- -	- -	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	36,582	34,183	35,806	35,442	25,952	26,676	17,960	27,813	15,538	14,744	24,666	29,944
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	3.96	3.51	3.26	2.87	1.95	2	1.61	2.73	1.33	1.08	1.64	2
EV/EBITDA	- -	316.78	209.43	279.25	196.45	163.5	139.54	85.93	72.69	46.89	71.31	37.08	32.19	51.28	58.26
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	- -	- -	- -	20.86	7.7	5.64	4.51	1.94	1.99	1.92	1.84	0.94	0.86	1.19	1.25
Price/Book Value Average	- -	- -	- -	18.51	8.08	4.52	3.78	2.69	1.86	1.43	1.79	1.03	0.73	0.89	1
Price/Book Value High	- -	- -	- -	21.49	9.21	5.8	4.58	3.35	2.11	2.02	2.08	1.44	0.87	1.27	1.3
Price/Book Value Low	- -	- -	- -	15.85	7.07	3.62	3.04	1.8	1.28	0.67	1.32	0.78	0.6	0.65	0.61
Price/Tangible Book Value	- -	- -	- -	2.5	2.31	2.4	2.46	1.39	2.01	2.09	2.46	1.53	1.42	1.95	2.39
Price/Tangible Book Value Average	- -	- -	- -	2.22	2.43	1.92	2.06	1.93	1.87	1.55	2.4	1.67	1.2	1.45	1.91
Price/Tangible Book Value High	- -	- -	- -	2.58	2.77	2.47	2.49	2.41	2.13	2.2	2.78	2.34	1.43	2.08	2.47
Price/Tangible Book Value Low	- -	- -	- -	1.9	2.13	1.54	1.66	1.29	1.29	0.73	1.77	1.27	0.99	1.06	1.16
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	3.86	3.96	3.18	2.83	2.92	2.32	1.81	3.19	1.87	1.18	1.4	1.75
EV/Sales High	- -	3.28	2.53	4.21	4.34	3.81	3.26	3.37	2.56	2.37	3.59	2.46	1.37	1.96	2.23
EV/Sales Low	- -	3.28	2.53	3.55	3.61	2.74	2.42	2.32	1.8	1.09	2.53	1.52	1	1.06	1.1
EV/EBITDA Average	- -	319.05	211.56	271.9	221.66	159.52	137.69	128.39	84.31	52.61	83.25	52.03	35.03	43.94	50.87
EV/EBITDA High	- -	319.05	211.56	296.48	243.13	190.7	158.9	148.11	92.76	69.04	93.69	68.61	40.85	61.3	65.02
EV/EBITDA Low	- -	319.05	211.56	249.99	202.49	137.47	117.68	101.88	65.25	31.7	66.07	42.26	29.82	33.19	31.97
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	35,619	38,569	34,934	34,973	38,774	30,941	20,149	32,467	21,799	16,045	21,136	26,148
Enterprise Value High	- -	26,481	22,002	38,839	42,304	41,763	40,361	44,730	34,041	26,442	36,540	28,747	18,711	29,486	33,420
Enterprise Value Low	- -	26,481	22,002	32,749	35,234	30,105	29,891	30,767	23,948	12,141	25,767	17,707	13,657	15,965	16,430

Shares Outstanding	- -	830	830	834	834	817	771	719	616	584	527	438	407	388	347
Diluted Weighted Avg Shares	831	831	831	758	836	832	800	747	674	591	569	483	424	401	374
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	2.28	2.55	2.38	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	2.55	2.38	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	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

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)