SYF:NYE-Synchrony Financial (USD)

EQUITY | Credit Services | New York Stock Exchange

Last Closing

USD 46.96

Change

+0.83 (+1.80)%

Market Cap

USD 28.29B

Volume

4.09M

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: 2025-04-14 )

Largest Industry Peers for Credit Services

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

-1.72 (-0.52%)

USD 643.13B
MA Mastercard Inc

+3.90 (+0.76%)

USD 481.05B
AXP American Express Company

-1.61 (-0.64%)

USD 176.07B
COF Capital One Financial Corporat..

+2.71 (+1.69%)

USD 61.64B
ALLY Ally Financial Inc

-0.55 (-1.71%)

USD 10.47B
OMF OneMain Holdings Inc

+0.31 (+0.70%)

USD 5.80B
LU Lufax Holding Ltd

-0.07 (-2.88%)

USD 2.43B
ENVA Enova International Inc

+0.24 (+0.26%)

USD 2.39B
AGM Federal Agricultural Mortgage

+3.56 (+2.08%)

USD 2.03B
BFH Bread Financial Holdings Inc

+1.00 (+2.18%)

USD 2.02B

ETFs Containing SYF

BPAY BlackRock Future Financia.. 4.69 % 0.00 %

+0.12 (+0.32%)

USD 5.58M
RDVI FT Cboe Vest Rising Divid.. 2.13 % 0.00 %

+0.09 (+0.32%)

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

+0.33 (+0.32%)

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

+0.21 (+0.32%)

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

+0.15 (+0.32%)

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

-44.50 (0.32%)

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

-34.00 (0.32%)

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

-0.04 (0.32%)

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

+0.59 (+0.32%)

N/A
FWDD 0.00 % 1.25 %

N/A

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

-0.02 (0.32%)

USD 0.41B
RSP Invesco S&P 500® Equal W.. 0.00 % 0.20 %

+1.20 (+0.32%)

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

-0.57 (0.32%)

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

+0.16 (+0.32%)

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

+3.50 (+0.32%)

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

-0.63 (0.32%)

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

-71.00 (0.32%)

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

-0.56 (0.32%)

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 -27.75% 8% B- 10% F
Dividend Return 0.38% 27% F 18% F
Total Return -27.37% 8% B- 10% F
Trailing 12 Months  
Capital Gain 16.04% 66% D+ 85% B
Dividend Return 2.47% 27% F 44% F
Total Return 18.51% 68% D+ 85% B
Trailing 5 Years  
Capital Gain 214.11% 75% C 90% A-
Dividend Return 31.10% 58% F 72% C
Total Return 245.22% 71% C- 90% A-
Average Annual (5 Year Horizon)  
Capital Gain 26.66% 76% C+ 87% B+
Dividend Return 29.05% 74% C 87% B+
Total Return 2.39% 32% F 55% F
Risk Return Profile  
Volatility (Standard Deviation) 50.81% 37% F 17% F
Risk Adjusted Return 57.18% 82% B 71% 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 59% 87%
Price/Book Ratio 1.35 40% 53%
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% 88%
Return on Invested Capital 13.57% 72% 75%
Return on Assets 2.95% 60% 57%
Debt to Equity Ratio 93.26% 60% 38%

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 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 Revenue Growth

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