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	- -	- -	- -	25,357	25,402	29,527	30,177	16,937	22,368	19,889	24,345	14,269	15,585	25,290	29,455
- 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	- -	- -	- -	39,406	34,229	35,258	34,901	25,475	24,910	17,405	25,966	14,021	14,243	24,184	28,538
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	- -	- -	- -	0.7	0.71	0.57	0.6	0.94	0.8	0.91	0.56	1.01	1.12	0.64	0.53
EV/Sales	- -	- -	- -	4.27	3.51	3.21	2.82	1.92	1.87	1.56	2.55	1.2	1.05	1.61	1.9
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	7.38	5.54	5.42	4.07	2.73	2.77	2.32	3.66	2.09	1.66	2.46	2.9
EV/Free Cash Flow to Firm	- -	- -	- -	7.38	5.54	5.42	4.07	2.73	2.77	2.32	3.66	2.09	1.66	2.46	2.9
Diluted Market Cap	- -	- -	- -	23,040	25,453	30,038	31,320	17,602	24,459	20,120	26,308	15,741	16,222	26,094	31,701
Diluted Enterprise Value	- -	- -	- -	37,089	34,280	35,769	36,044	26,140	27,001	17,636	27,929	15,493	14,880	24,988	30,784
EV per Share	- -	- -	- -	47.26	41.05	43.14	45.3	35.45	40.44	29.8	49.29	32	35.01	62.29	82.15
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	- -	- -	- -	4.31	4.12	4.61	3.65	1.88	2.72	2.69	3.71	2.35	1.89	2.65	3.22
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	39,406	34,229	35,258	34,901	25,475	24,910	17,405	25,966	14,021	14,243	24,184	28,538
Low Price	- -	- -	- -	22.83	28.55	23.25	26.41	22.46	22.82	12.47	33.61	27.17	26.61	35.29	40.87
EV/Sales	- -	- -	- -	4.27	3.51	3.21	2.82	1.92	1.87	1.56	2.55	1.2	1.05	1.61	1.9
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	10.92	11.47	13.31	16.1	6.27	6.5	14.94	6.24	5.26	7.35	7.54	9.04
Price/Earnings Average	- -	- -	- -	9.47	11.91	10.72	13.34	8.69	6	11.32	6.12	5.77	6.19	5.57	7.11
Price/Earnings High	- -	- -	- -	10.93	13.46	13.73	16.21	10.81	6.92	15.98	7.07	8.04	7.36	8.02	9.22
Price/Earnings Low	- -	- -	- -	8.2	10.75	8.56	10.86	5.98	4.08	5.47	4.54	4.39	5.1	4.08	4.36
Price/Book Value	- -	- -	- -	2.42	2.02	2.08	2.12	1.15	1.56	1.66	1.88	1.18	1.18	1.65	1.89
Price/Book Value Average	- -	- -	- -	2.1	2.09	1.68	1.76	1.6	1.44	1.26	1.85	1.29	1	1.22	1.49
Price/Book Value High	- -	- -	- -	2.42	2.36	2.15	2.13	1.99	1.66	1.78	2.13	1.8	1.19	1.75	1.93
Price/Book Value Low	- -	- -	- -	1.82	1.89	1.34	1.43	1.1	0.98	0.61	1.37	0.98	0.82	0.89	0.91
Price/Tangible Book Value	- -	- -	- -	2.81	2.32	2.36	2.42	1.35	1.86	2.04	2.29	1.39	1.37	1.91	2.28
Price/Tangible Book Value Average	- -	- -	- -	2.44	2.41	1.9	2	1.88	1.72	1.54	2.24	1.52	1.16	1.41	1.79
Price/Tangible Book Value High	- -	- -	- -	2.82	2.72	2.43	2.43	2.33	1.98	2.18	2.59	2.12	1.38	2.03	2.32
Price/Tangible Book Value Low	- -	- -	- -	2.11	2.17	1.52	1.63	1.29	1.17	0.75	1.66	1.16	0.95	1.04	1.1
Price/Sales	- -	- -	- -	2.5	2.61	2.73	2.52	1.32	1.83	1.8	2.56	1.34	1.18	1.72	2.09
Price/Sales Average	- -	- -	- -	2.16	2.7	2.2	2.09	1.83	1.69	1.36	2.51	1.47	1	1.27	1.65
Price/Sales High	- -	- -	- -	2.5	3.06	2.82	2.54	2.27	1.95	1.92	2.9	2.05	1.19	1.82	2.13
Price/Sales Low	- -	- -	- -	1.87	2.44	1.76	1.7	1.25	1.15	0.66	1.86	1.12	0.82	0.93	1.01
Price/Cash Flow	- -	- -	- -	4.31	4.11	4.6	3.63	1.87	2.71	2.68	3.68	2.34	1.88	2.62	3.18
Price/Cash Flow Average	- -	- -	- -	3.74	4.26	3.71	3.01	2.6	2.5	2.03	3.6	2.56	1.58	1.94	2.5
Price/Cash Flow High	- -	- -	- -	4.32	4.82	4.75	3.66	3.23	2.88	2.87	4.16	3.57	1.88	2.79	3.25
Price/Cash Flow Low	- -	- -	- -	3.24	3.85	2.96	2.45	1.78	1.7	0.98	2.67	1.95	1.3	1.42	1.53
Price/Free Cash Flow Average	- -	- -	- -	3.74	4.27	3.72	3.02	2.61	2.51	2.04	3.63	2.58	1.59	1.96	2.53
Price/Free Cash Flow High	- -	- -	- -	4.32	4.83	4.76	3.68	3.25	2.9	2.87	4.2	3.59	1.89	2.82	3.28
Price/Free Cash Flow Low	- -	- -	- -	3.24	3.86	2.97	2.46	1.8	1.71	0.98	2.7	1.96	1.31	1.44	1.55
EV/Sales Average	- -	- -	- -	3.9	3.61	2.69	2.4	2.41	1.74	1.13	2.5	1.32	0.87	1.17	1.49
EV/Sales High	- -	- -	- -	4.27	3.96	3.3	2.84	2.84	1.98	1.68	2.87	1.85	1.05	1.71	1.94
EV/Sales Low	- -	- -	- -	3.58	3.35	2.25	2.03	1.86	1.25	0.43	1.9	1	0.7	0.84	0.89
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	30.41	30.46	36.13	39.16	23.57	36.32	34.06	46.21	32.56	38.3	65.14	84.79
High Price	- -	- -	- -	30.45	35.75	37.26	39.43	40.63	38.68	36.43	52.36	49.77	38.37	69.29	86.42
Enterprise Value Average	- -	- -	- -	36,025	35,189	29,511	29,716	32,025	23,195	12,593	25,477	15,414	11,798	17,585	22,250
Enterprise Value High	- -	- -	- -	39,434	38,633	36,188	35,105	37,738	26,363	18,793	29,207	21,560	14,270	25,797	29,106
Enterprise Value Low	- -	- -	- -	33,080	32,632	24,733	25,074	24,679	16,595	4,796	19,329	11,658	9,484	12,595	13,281

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