Synchrony Financial Financials

SYF Stock  USD 65.14  0.74  1.15%   
Based on the analysis of Synchrony Financial's profitability, liquidity, and operating efficiency, Synchrony Financial is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in December. At this time, Synchrony Financial's Total Current Liabilities is most likely to increase significantly in the upcoming years. The Synchrony Financial's current Good Will is estimated to increase to about 1.1 B, while Total Stockholder Equity is projected to decrease to roughly 13.3 B. Key indicators impacting Synchrony Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.470.4434
Notably Up
Slightly volatile
Return On Assets0.03120.0191
Way Up
Slightly volatile
Return On Equity0.250.161
Way Up
Slightly volatile
Debt Equity Ratio2.31.1495
Way Up
Slightly volatile
Operating Income4.9 B3.7 B
Significantly Up
Pretty Stable
Current Ratio1.92.37
Significantly Down
Slightly volatile
The essential information of the day-to-day investment outlook for Synchrony Financial includes many different criteria found on its balance sheet. An individual investor should monitor Synchrony Financial's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Synchrony Financial.

Net Income

2.7 Billion

  
Understanding current and past Synchrony Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Synchrony Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Synchrony Financial's assets may result in an increase in income on the income statement.

Synchrony Financial Stock Summary

Synchrony Financial competes with Capital One, American Express, Ally Financial, Mastercard, and Discover Financial. Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut. Synchrony Financial operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 18000 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS87165B1035
CUSIP87165B103
LocationConnecticut; U.S.A
Business Address777 Long Ridge
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.synchrony.com
Phone203 585 2400
CurrencyUSD - US Dollar

Synchrony Financial Key Financial Ratios

Synchrony Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets104.8B95.9B95.7B104.6B117.5B99.3B
Other Liab210M234M228M163M146.7M139.4M
Net Debt7.7B4.3B6.2B3.9B1.7B1.6B
Accounts Payable4.7B4.7B62.3B5.8B31M29.5M
Cash12.1B11.5B8.3B10.3B14.3B10.5B
Other Assets78.5B67.3B74.6B87.1B9.0B8.5B
Long Term Debt19.9B15.8B14.5B14.2B16.0B13.9B
Good Will991M1.0B1.1B1.1B1.0B1.1B
Total Liab89.7B83.2B82.1B91.7B103.6B86.0B
Total Current Assets12.1B19.0B13.6B10.2B106.7B112.0B
Intangible Assets1.3B1.1B1.2B1.3B815M919.7M
Other Current Liab300M(369M)4.6B23.9M(6.1B)(5.8B)
Net Tangible Assets12.0B9.8B10.6B9.7B8.8B8.9B
Retained Earnings12.1B10.6B14.2B16.7B18.7B10.8B
Net Receivables81.6B71.6B72.1B3M92.4B54.0B
Long Term Debt Total19.9B15.8B14.5B14.2B16.3B17.8B
Capital Surpluse9.5B9.6B9.7B9.7B11.2B10.5B
Other Current Assets(12.1B)(11.5B)(8.3B)(10.3B)(14.3B)(13.5B)
Treasury Stock(7.2B)(8.2B)(10.9B)(14.2B)(12.8B)(12.1B)
Earning Assets6.1B6.6B7.5B9.6B11.1B6.7B
Net Invested Capital34.2B27.7B27.4B26.3B29.2B25.0B

Synchrony Financial Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense2.3B1.7B1.0B1.5B3.7B3.9B
Total Revenue13.3B11.2B10.2B16.0B5.0B4.8B
Gross Profit11.4B9.7B9.3B14.6B5.0B4.8B
Operating Income4.9B1.8B5.5B5.4B3.7B4.9B
Ebit4.9B(7.5B)1.1B(3.8B)3.7B2.1B
Ebitda5.3B2.8B6.4B4.9B4.1B5.1B
Income Before Tax4.9B1.8B5.5B4.0B2.9B3.9B
Net Income3.7B1.4B4.2B3.0B2.2B2.7B
Income Tax Expense1.1B412M1.3B946M666M870.3M
Cost Of Revenue1.9B1.4B905M1.4B3.2B3.4B
Tax Provision1.1B412M1.3B946M666M828.9M
Net Interest Income16.8B14.4B14.2B15.6B17.0B16.5B
Interest Income19.1B16.1B15.3B17.1B20.7B18.4B

Synchrony Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash2.3B(1.0B)(2.9B)1.7B4.0B4.2B
Free Cash Flow9.0B7.5B7.1B6.7B8.6B6.8B
Depreciation367M383M390M419M458M286M
Other Non Cash Items608M720M522M3.9B6.7B7.0B
Net Income3.7B1.4B4.2B3.0B2.2B2.7B
End Period Cash Flow12.6B11.6B8.7B10.4B14.4B10.0B
Investments327M(108M)(4.3B)(9.7B)(14.2B)(13.5B)
Change Receivables(391M)339M424M(197M)(226.6M)(215.2M)
Net Borrowings(4.1B)(4.1B)(1.3B)(329M)(296.1M)(310.9M)
Dividends Paid581M562M542M476M448M465.4M
Change To Netincome4.2B4.7B945M3.0B2.7B3.0B

Synchrony Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Synchrony Financial's current stock value. Our valuation model uses many indicators to compare Synchrony Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Synchrony Financial competition to find correlations between indicators driving Synchrony Financial's intrinsic value. More Info.
Synchrony Financial is rated fourth in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.13  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Synchrony Financial is roughly  7.79 . At this time, Synchrony Financial's Return On Equity is most likely to slightly decrease in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value Synchrony Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Synchrony Financial Systematic Risk

Synchrony Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Synchrony Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Synchrony Financial correlated with the market. If Beta is less than 0 Synchrony Financial generally moves in the opposite direction as compared to the market. If Synchrony Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Synchrony Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Synchrony Financial is generally in the same direction as the market. If Beta > 1 Synchrony Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Synchrony Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Synchrony Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Synchrony Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.43)

At this time, Synchrony Financial's Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.

Synchrony Financial November 22, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Synchrony Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Synchrony Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Synchrony Financial based on widely used predictive technical indicators. In general, we focus on analyzing Synchrony Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Synchrony Financial's daily price indicators and compare them against related drivers.

Complementary Tools for Synchrony Stock analysis

When running Synchrony Financial's price analysis, check to measure Synchrony Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Synchrony Financial is operating at the current time. Most of Synchrony Financial's value examination focuses on studying past and present price action to predict the probability of Synchrony Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Synchrony Financial's price. Additionally, you may evaluate how the addition of Synchrony Financial to your portfolios can decrease your overall portfolio volatility.
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