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Synchrony Financial SYF

Morningstar Rating
$40.63 −0.42 (1.02%)
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Company Report

Price vs Fair Value

SYF is trading at a 14% discount.
Price
$40.63
Fair Value
$48.00
Uncertainty
High
1-Star Price
$52.59
5-Star Price
$86.60
Economic Moat
Zlqp
Capital Allocation
Ckphhtk

Bulls Say, Bears Say

Bulls

Synchrony enjoys long-term contracts with several successful digital retailers such as Amazon and PayPal. These partnerships provide Synchrony with a source of receivables growth even if its brick-and-mortar retailer partners struggle.

Bears

Losing Walmart and Gap were serious losses and may be a sign that Synchrony’s largest partners are becoming more demanding during negotiations.

Is it the right time to buy, sell, or hold?
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News

Trading Information

Previous Close Price
$41.05
Day Range
$40.5741.23
52-Week Range
$26.5941.38
Bid/Ask
$40.02 / $40.50
Market Cap
$16.53 Bil
Volume/Avg
3.2 Mil / 4.4 Mil

Key Statistics

Price/Earnings (Normalized)
7.84
Price/Sales
1.26
Dividend Yield (Trailing)
2.41%
Dividend Yield (Forward)
2.41%
Total Yield
9.14%

Company Profile

Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
Sector
Financial Services
Industry
Credit Services
Stock Style Box
Mid Value
Total Number of Employees
20,000

Competitors

Valuation

Metric
SYF
BFH
COF
Price/Earnings (Normalized)
7.843.1810.86
Price/Book Value
1.260.630.89
Price/Sales
1.260.441.42
Price/Cash Flow
1.930.952.86
Price/Earnings
SYF
BFH
COF

Financial Strength

Metric
SYF
BFH
COF
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
SYF
BFH
COF

Profitability

Metric
SYF
BFH
COF
Return on Assets (Normalized)
2.06%3.39%1.02%
Return on Equity (Normalized)
17.90%28.54%8.78%
Return on Invested Capital (Normalized)
Return on Assets
SYF
BFH
COF
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Credit Services Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Economic Moat
Market Cap
V
Visa Inc Class AYrr$576.2 Bil
MA
Mastercard Inc Class APwbgx$437.1 Bil
AXP
American Express CoNsfqf$158.5 Bil
PYPL
PayPal Holdings IncWxdchh$64.3 Bil
COF
Capital One Financial CorpJpqykw$51.7 Bil
DFS
Discover Financial ServicesMglvsn$30.1 Bil
ALLY
Ally Financial IncTsf$11.2 Bil
SOFI
SoFi Technologies Inc Ordinary SharesSyk$8.4 Bil
WU
The Western Union CoQvhphv$4.7 Bil

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