SFE:F:F-Synchrony Financial (EUR)

COMMON STOCK | Credit Services |

Last Closing

USD 43.605

Change

-0.40 (-0.91)%

Market Cap

USD 16.81B

Volume

18.00

Analyst Target

N/A
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, jewelry, pets, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-09-18 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap
3V6:F VISA INC. CDR

+0.10 (+0.56%)

USD 504.23B
3V64:F Visa Inc

-0.70 (-0.27%)

USD 502.80B
M4I0:F MASTERCARD INC. CDR

N/A

USD 412.90B
M4I:F Mastercard Inc

+1.25 (+0.28%)

USD 409.59B
AEC1:F American Express Company

-0.85 (-0.36%)

USD 161.66B
2PP:F PayPal Holdings Inc

+1.16 (+1.81%)

USD 65.26B
2PP0:F PAYPAL HOLDINGS INC. CDR

-0.02 (-0.60%)

USD 62.62B
CFX:F Capital One Financial Corporat..

+4.00 (+3.17%)

USD 47.35B
DC7:F Discover Financial Services

+3.46 (+2.89%)

USD 29.33B
5B4:F MITSUBISHI HC CAPITAL INC

N/A

USD 9.32B

ETFs Containing SFE:F

N/A

Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 27.13% 81% B- 84% B
Dividend Return 2.19% 33% F 29% F
Total Return 29.31% 67% D+ 76% C+
Trailing 12 Months  
Capital Gain 45.25% 87% B+ 87% B+
Dividend Return 3.33% 32% F 34% F
Total Return 48.58% 72% C 80% B-
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain 4.34% 57% F 57% F
Dividend Return 5.19% 45% F 52% F
Total Return 0.85% 29% F 31% F
Risk Return Profile  
Volatility (Standard Deviation) 26.78% 54% F 48% F
Risk Adjusted Return 19.39% 42% F 50% F
Market Capitalization 16.81B 91% A- 90% A-

Annual Financials (EUR)

Quarterly Financials (EUR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector