Morningstar

Synchrony Financial SYF

Morningstar Rating
Unlock
Stock XNYS Rating as of
$70.84 +0.06 (0.08%)
View Full Chart
As of Delayed Price Closed

Company Report

View Archive

Better Credit Results and Net Interest Margin Offsetting Synchrony's Low Loan Growth

Michael Miller

Synchrony Financial partners with retailers and medical providers to offer promotional financing as well as private-label and co-branded general-purpose credit cards. While the company’s CareCredit cards and installment loans have consistently performed well, its private-label and co-branded credit cards, co-marketed through partnerships with retailers, can often face material headwinds when retail sales suffer.

Read Full Report

Price vs Fair Value

View History
SYF is trading at a 41% premium.
Price
$70.84
Fair Value
$55.00
Uncertainty
High
1-Star Price
$882.50
5-Star Price
$72.40
Economic Moat
Jpm
Capital Allocation
Qtdxrksr

Bulls Say, Bears Say

Bulls

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

Bears

Synchrony’s largest partners could demand higher retailer share payments during contract renewal negotiations.

Show More

News

View All

Trading Information

Previous Close Price
$70.78
Day Range
$70.49–71.63
52-Week Range
$58.32–88.77
Bid/Ask
$69.76 / $71.99
Shares Outstanding
336.37M
Market Cap
$23.83B
Volume/Avg
3M / 4M

Key Statistics

Price/Earnings (Normalized)
7.33
Price/Sales
1.72
Dividend Yield (Trailing)
1.69%
Dividend Yield (Forward)
1.69%
Total Yield
15.27%

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
Website
https://www.synchrony.com

Competitors

Valuation

View More
Metric
SYF
BFH
COF
Price/Earnings (Normalized)
 7.337.229.15
Price/Book Value
 1.561.130.99
Price/Sales
 1.721.081.85
Price/Cash Flow
 2.581.933.55
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)
 3.00%3.04%1.86%
Return on Equity (Normalized)
 23.16%20.77%11.43%
Return on Invested Capital (Normalized)
 ———
Return on Assets
SYF
BFH
COF

Credit Services Industry Comparables

Screen With Investor
1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
Visa Inc Class A
V
LxnnvmjXystl$615B
 Mastercard Inc Class A
MA
VfnnmsgbZvyb$434B
 American Express Co
AXP
MxhqnrfykNmkn$213B
 Capital One Financial Corp
COF
NywmnqgLpqjz$112B
 PayPal Holdings Inc
PYPL
DgzgzzvlRkbgq$36B
 Affirm Holdings Inc Ordinary Shares - Class A
AFRM
XmrmrhlkgVgwfszy$21B
 SoFi Technologies Inc Ordinary Shares
SOFI
CzxrgzgqKynnb$21B
 Ally Financial Inc
ALLY
GctxfktgRgm$13B
 Klarna Group PLC
KLAR
MwygrqxqFsnsjp$6B

Sponsor Center