Synchrony Financial Stock Today

SYF Stock  USD 65.21  1.13  1.76%   

Performance

Weak

 
Weak
 
Strong

Odds Of Distress

Very Small

 
High
 
Low
Synchrony Financial is trading at 65.21 as of the 16th of February 2025. This is a 1.76 percent up since the beginning of the trading day. The stock's lowest day price was 63.91. Synchrony Financial has a very small chance of experiencing financial distress in the next few years but had a somewhat weak performance during the last 90 days. Note, on April 21, 2023, Representative Ann Wagner of US Congress acquired $100k to $250k worth of Synchrony Financial's common stock.
Business Domain
Financial Services
IPO Date
31st of July 2014
Classification
Financials
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. The company has 388.75 M outstanding shares of which 9.34 M shares are at this time shorted by investors with about 2.84 days to cover. More on Synchrony Financial

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Synchrony Stock Highlights

ESG Sustainability
Environmental
Governance
Social
CEONeeraj Mehta
Old NameSYSTAR
Business ConcentrationConsumer Finance, Financial Services, NYSE Composite, SP 500 Index, Financials, Consumer Finance, Credit Services, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.03140.0293
Notably Up
Slightly volatile
Asset Turnover0.140.1896
Way Down
Slightly volatile
Gross Profit Margin0.991.05
Notably Down
Slightly volatile
Net Debt713.5 M751 M
Notably Down
Slightly volatile
Total Current Liabilities4.5 B4.9 B
Significantly Down
Slightly volatile
Non Current Liabilities Total14.7 B15.5 B
Notably Down
Pretty Stable
Total Assets101.8 B119.5 B
Fairly Down
Slightly volatile
Total Current Assets113.9 B108.5 B
Sufficiently Up
Slightly volatile
Total Cash From Operating ActivitiesB9.8 B
Significantly Down
Slightly volatile
Debt Levels
Synchrony Financial can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Synchrony Financial's financial leverage. It provides some insight into what part of Synchrony Financial's total assets is financed by creditors.
Liquidity
Synchrony Financial has 15.46 B in debt with debt to equity (D/E) ratio of 5.66, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Note however, debt could still be an excellent tool for Synchrony to invest in growth at high rates of return.

Free Cash Flow

7.09 Billion
Synchrony Financial (SYF) is traded on New York Stock Exchange in USA. It is located in 777 Long Ridge Road, Stamford, CT, United States, 06902 and employs 20,000 people. Synchrony Financial is listed under Consumer Finance category by Fama And French industry classification. The company currently falls under 'Large-Cap' category with a total capitalization of 25.35 B. Synchrony Financial runs under Consumer Finance sector within Financials industry. The entity has 388.75 M outstanding shares of which 9.34 M shares are at this time shorted by investors with about 2.84 days to cover. Synchrony Financial has about 11.96 B in cash with 9.85 B of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 26.55.
Check Synchrony Financial Probability Of Bankruptcy
Ownership Allocation
Synchrony Financial shows a total of 388.75 Million outstanding shares. The majority of Synchrony Financial outstanding shares are owned by institutional holders. These institutional investors are usually referred to as non-private investors looking to take positions in Synchrony Financial to benefit from reduced commissions. Consequently, institutions are subject to a different set of regulations than regular investors in Synchrony Financial. Please pay attention to any change in the institutional holdings of Synchrony Financial as this could imply that something significant has changed or is about to change at the company. Also note that roughly two million two hundred fifteen thousand eight hundred seventy-five invesors are currently shorting Synchrony Financial expressing very little confidence in its future performance.
Check Synchrony Ownership Details

Synchrony Stock Institutional Holders

InstituionRecorded OnShares
Amvescap Plc.2024-09-30
6.4 M
Allianz Asset Management Ag2024-12-31
5.5 M
Morgan Stanley - Brokerage Accounts2024-09-30
4.7 M
Aqr Capital Management Llc2024-09-30
4.7 M
Southpoint Capital Advisors Lp2024-09-30
4.6 M
Jacobs Levy Equity Management, Inc.2024-09-30
4.4 M
Citadel Advisors Llc2024-09-30
4.4 M
Ubs Asset Mgmt Americas Inc2024-09-30
4.2 M
Northern Trust Corp2024-09-30
4.1 M
Vanguard Group Inc2024-09-30
49.6 M
Capital World Investors2024-09-30
43.1 M
View Synchrony Financial Diagnostics

Synchrony Financial Historical Income Statement

At this time, Synchrony Financial's Other Operating Expenses is most likely to increase significantly in the upcoming years. The Synchrony Financial's current Operating Income is estimated to increase to about 22.2 B, while Selling And Marketing Expenses is projected to decrease to roughly 476.2 M. View More Fundamentals

Synchrony Stock Against Markets

Synchrony Financial Corporate Directors

Roy GuthrieIndependent DirectorProfile
Arthur CovielloIndependent DirectorProfile
Fernando AguirreIndependent DirectorProfile
Ellen ZaneIndependent DirectorProfile
When determining whether Synchrony Financial is a strong investment it is important to analyze Synchrony Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Synchrony Financial's future performance. For an informed investment choice regarding Synchrony Stock, refer to the following important reports:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Synchrony Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in manufacturing.
For more detail on how to invest in Synchrony Stock please use our How to Invest in Synchrony Financial guide.
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Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Synchrony Financial. If investors know Synchrony will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Synchrony Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.82
Dividend Share
1
Earnings Share
8.55
Revenue Per Share
23.687
Quarterly Revenue Growth
0.208
The market value of Synchrony Financial is measured differently than its book value, which is the value of Synchrony that is recorded on the company's balance sheet. Investors also form their own opinion of Synchrony Financial's value that differs from its market value or its book value, called intrinsic value, which is Synchrony Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Synchrony Financial's market value can be influenced by many factors that don't directly affect Synchrony Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Synchrony Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Synchrony Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Synchrony Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.