SYF:NYE-Synchrony Financial (USD)

EQUITY | Credit Services | New York Stock Exchange

Last Closing

USD 53.87

Change

-0.65 (-1.19)%

Market Cap

USD 28.29B

Volume

4.23M

Analyst Target

USD 23.50
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Synchrony Financial provides credit products through programs established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2025-03-20 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap
V Visa Inc. Class A

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USD 666.13B
MA Mastercard Inc

+0.29 (+0.05%)

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AXP American Express Company

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COF Capital One Financial Corporat..

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ALLY Ally Financial Inc

+0.66 (+1.86%)

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OMF OneMain Holdings Inc

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BFH Bread Financial Holdings Inc

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LU Lufax Holding Ltd

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ENVA Enova International Inc

+1.11 (+1.15%)

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AGM-A Federal Agricultural Mortgage ..

-2.69 (-1.83%)

USD 2.12B

ETFs Containing SYF

BPAY BlackRock Future Financia.. 4.55 % 0.00 %

-0.05 (0.14%)

USD 6.03M
RDVI FT Cboe Vest Rising Divid.. 2.13 % 0.00 %

-0.10 (0.14%)

N/A
BMVP Invesco Bloomberg MVP Mul.. 2.12 % 0.00 %

-0.23 (0.14%)

N/A
RSPF Invesco S&P 500 Equal Wei.. 1.56 % 0.00 %

+0.10 (+0.14%)

N/A
SDVD FT Vest SMID Rising Divid.. 1.06 % 0.00 %

-0.01 (0.14%)

N/A
SPES:LSE Invesco S&P 500 Equal Wei.. 0.23 % 0.00 %

+7.50 (+0.14%)

N/A
SPEX:LSE Invesco S&P 500 Equal Wei.. 0.23 % 0.00 %

+12.00 (+0.14%)

N/A
EWSP:LSE iShares S&P 500 Equal Wei.. 0.23 % 0.00 %

N/A

N/A
DON WisdomTree U.S. MidCap Di.. 0.00 % 0.38 %

-0.25 (0.14%)

N/A
FWDD 0.00 % 1.25 %

N/A

N/A
KORP American Century Diversif.. 0.00 % 0.45 %

+0.02 (+0.14%)

USD 0.40B
MUMC-B:CA Manulife Multifactor U.S... 0.00 % 0.00 %

-0.34 (0.14%)

CAD 0.05B
RSP Invesco S&P 500® Equal W.. 0.00 % 0.20 %

-0.73 (0.14%)

N/A
MUMC:CA Manulife Multifactor U.S... 0.00 % 0.55 %

-0.21 (0.14%)

CAD 0.01B
XAXD:LSE Xtrackers - MSCI AC Asia .. 0.00 % 0.00 %

-1.02 (0.14%)

N/A
XAXJ:LSE Xtrackers MSCI AC Asia ex.. 0.00 % 0.00 %

-81.00 (0.14%)

N/A
XDEW:LSE Xtrackers S&P 500 Equal W.. 0.00 % 0.00 %

-0.01 (0.14%)

N/A
XDWE:LSE Xtrackers (IE) Public Lim.. 0.00 % 0.00 %

+7.50 (+0.14%)

N/A
FTGU:XETRA First Trust US Large Cap .. 0.00 % 0.00 %

+0.45 (+0.14%)

USD 0.10B

Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -17.12% 11% F 9% A-
Dividend Return 0.38% 36% F 19% F
Total Return -16.74% 11% F 9% A-
Trailing 12 Months  
Capital Gain 26.31% 76% C+ 90% A-
Dividend Return 2.34% 29% F 42% F
Total Return 28.65% 76% C+ 89% A-
Trailing 5 Years  
Capital Gain 301.72% 75% C 89% A-
Dividend Return 34.68% 61% D- 70% C-
Total Return 336.39% 75% C 89% A-
Average Annual (5 Year Horizon)  
Capital Gain 29.49% 77% C+ 88% B+
Dividend Return 31.95% 77% C+ 87% B+
Total Return 2.46% 30% F 56% F
Risk Return Profile  
Volatility (Standard Deviation) 54.78% 38% F 17% F
Risk Adjusted Return 58.32% 82% B 72% C
Market Capitalization 28.29B 81% B- 91% A-

Key Financial Ratios

  Ratio vs. Industry/Classification (Credit Services) Ratio vs. Market (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 12.60 55% 87%
Price/Book Ratio 1.35 45% 56%
Price / Cash Flow Ratio 2.11 55% 73%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 22.96% 73% 87%
Return on Invested Capital 13.57% 71% 76%
Return on Assets 2.95% 60% 56%
Debt to Equity Ratio 93.26% 60% 39%

Annual Financials (USD)

Quarterly Financials (USD)

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 risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

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:
Overpriced compared to book value

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

Below median total returns

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

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

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