Synchrony Financial - SYF-PA

SYF-PA Returns vs S&P 500 ⓘ

ticker	1 day return %	1 week return %	1 month return %	3 months return %	6 months return %	1 year return %	3 years return %	5 years return %	10 years return %	maximum return %
SYF-PA	-0.8	0	-0.1	-8.9	-1.6	10.3	-26.8	-25.5	-22.7	-22.7
S&P 500	1.0	3.7	2.1	2.3	8.2	25.4	31.0	80.6	196.5	33856.2

Compare SYF-PA with other assets →

Returns Charts ⓘ

Interactive Price Chart

Our interactive price chart includes various drawing tools to help you analyze the product more effectively. Below is a quick guide on how to use these tools: Full Guideline

Real-time Full Quote

Attribute	Value
symbol	SYF-PA
name	Synchrony Financial
price	19.25
changes percentage	-0.7732
change	-0.15
day low	19.25
day high	19.54
year high	21.94
year low	17.31
market cap	7494872000
price avg 50	19.955301
price avg 200	19.53154
exchange	NYSE
volume	43344
avg volume	74516
open	19.47
previous close	19.4
eps	7.391
pe	2.6
earnings announcement	2025-01-28T11:00:00.000+0000
shares outstanding	389344000
timestamp	2025-01-17 21:00:02

Financial Statements ⓘ

We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.

Overall Annual Financial Health: 52.0%

Overall Quarterly Financial Health: 63.3%

Income Statements ⓘ

• Annual Income Statement

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0001601712
revenue	7662000000	16005000000	-52.13
gross profit	7662000000	14635000000	-47.65
gross profit ratio	1	0.91	9.36
research and development expenses	0	0.3	-100.00
operating expenses	3922000000	1319000000	197.35
interest income	20710000000	17146000000	20.79
interest expense	3711000000	1521000000	143.98
ebitda	0	4894000000	-100.00
ebitdaratio	0	0.37	-100.00
operating income	3663000000	5441000000	-32.68
operating income ratio	0.48	0.34	40.63
net income	2238000000	3016000000	-25.80
net income ratio	0.29	0.19	55.00
eps	5.21	6.19	-15.83

Overall Score of Annual Income Statement

None

Detailed Analysis

• Quarterly Income Statement

Note: The years below are fiscal years in accounting.

	2024Q3	2024Q2	Q/Q change %
0001601712
revenue	3814000000	4889000000	-21.99
gross profit	2846000000	3842000000	-25.92
gross profit ratio	0.75	0.79	-5.05
research and development expenses	0	0	NaN
operating expenses	2786000000	1177000000	136.70
interest income	5785000000	5582000000	3.64
interest expense	1176000000	1177000000	-0.08
ebitda	1319000000	0	NaN
ebitdaratio	0.35	0.58	-40.15
operating income	1236000000	2745000000	-54.97
operating income ratio	0.32	0.56	-42.28
net income	789000000	643000000	22.71
net income ratio	0.21	0.13	57.29
eps	1.96	1.56	25.64

Overall Score of Quarterly Income Statement

0.43 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Revenue Growth: revenue decreased to 3,814 million in 2024Q3 from 4,889 million in 2024Q2 representing a change of -21.99%. This indicates a sales shrinking, which is a negative sign for the company.

  Gross Profit: Gross Profit decreased to 2,846 million in 2024Q3 from 3,842 million in 2024Q2 representing a change of -25.92%. This indicates a sales profitability decline, which is a negative sign for the company.

  Operating Expenses: Operating Expenses increased to 2,786 million in 2024Q3 from 1,177 million in 2024Q2 representing a change of 136.7%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.

  Operating Income: Operating income decreased to 1,236 million in 2024Q3 from 2,745 million in 2024Q2 representing a change of -54.97%. The decrease in operating income indicates worse operational performance and decreased profitability.

• 📈 Positive Indicators

  EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) increased to 1,319 million in 2024Q3 from 0 million in 2024Q2 representing a change of nan%. The increase in EBITDA indicates improved operational efficiency and profitability.

  Net Income: Net income increased to 789 million in 2024Q3 from 643 million in 2024Q2 representing a change of 22.71%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.

  Earnings per Share (EPS): EPS increased to 1.96 in 2024Q3 from 1.96 in 2024Q2 representing a change of 25.64%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.

Balance Sheets ⓘ

• Annual Balance Sheet

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0001601712
total assets	117479000000	104564000000	12.35
total liabilities	103576000000	91691000000	12.96
total equity	13903000000	16770000000	-17.10
cash and cash equivalents	14259000000	10294000000	38.52
short term investments	0	4879000000	-100.00
long term investments	0	4935000000	-100.00
total current assets	14259000000	10294000000	38.52
total non current assets	107019000000	94270000000	13.52
total current liabilities	0	3902000000	-100.00
total non current liabilities	103576000000	87789000000	17.98
common stock	1000000	1000000	0.00
retained earnings	18662000000	16716000000	11.64
total debt	15982000000	14191000000	12.62

Overall Score of Annual Balance Sheet

0.56 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 117,479 million in 2023 from 104,564 million in 2022 representing a change of 12.35%. Suggesting a growth in asset holdings.

  Cash And Cash Equivalents: Cash And Cash Equivalents increased to 14,259 million in 2023 from 10,294 million in 2022 representing a change of 38.52%. This indicates an increase in available liquid assets.

  Total Current Assets: Total Current Assets increased to 14,259 million in 2023 from 10,294 million in 2022 representing a change of 38.52%. This indicates a better liquidity position.

  Total Current Liabilities: Total Current Liabilities decreased to 0 million in 2023 from 3,902 million in 2022 representing a change of -100.0%. This indicates a lower short-term debt burden.

  Retained Earnings: Retained Earnings increased to 18,662 million in 2023 from 16,716 million in 2022 representing a change of 11.64%. This indicates an accumulated profits.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 103,576 million in 2023 from 91,691 million in 2022 representing a change of 12.96%. This indicates an increase in overall liabilities.

  Total Equity: Total Equity decreased to 13,903 million in 2023 from 16,770 million in 2022 representing a change of -17.1%. This indicates a decrease in shareholders' equity.

  Short Term Investments: Short Term Investments decreased to 0 million in 2023 from 4,879 million in 2022 representing a change of -100.0%. This indicates a decrease in short-term investment holdings.

  Total Debt: Total Debt increased to 15,982 million in 2023 from 14,191 million in 2022 representing a change of 12.62%. This indicates an increase in overall debt burden.

• Quarterly Balance Sheet

Note: The years below are fiscal years in accounting.

	2024Q3	2024Q2	Q/Q change %
0001601712
total assets	119229000000	120489000000	-1.05
total liabilities	103249000000	104949000000	-1.62
total equity	15980000000	15540000000	2.83
cash and cash equivalents	17934000000	18632000000	-3.75
short term investments	2345000000	2693000000	-12.92
long term investments	2345000000	2693000000	-12.92
total current assets	109098000000	18632000000	485.54
total non current assets	4384000000	101857000000	-95.70
total current liabilities	0	6212000000	-100.00
total non current liabilities	118881000000	98737000000	20.40
common stock	1000000	1000000	0.00
retained earnings	20975000000	20310000000	3.27
total debt	15632000000	15637000000	-0.03

Overall Score of Quarterly Balance Sheet

0.67 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Total Assets: Total Assets decreased to 119,229 million in 2024Q3 from 120,489 million in 2024Q2 representing a change of -1.05%. Suggesting a decrease in asset holdings.

  Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 17,934 million in 2024Q3 from 18,632 million in 2024Q2 representing a change of -3.75%. This indicates a decrease in available liquid assets.

  Short Term Investments: Short Term Investments decreased to 2,345 million in 2024Q3 from 2,693 million in 2024Q2 representing a change of -12.92%. This indicates a decrease in short-term investment holdings.

• 📈 Positive Indicators

  Total Liabilities: Total Liabilities decreased to 103,249 million in 2024Q3 from 104,949 million in 2024Q2 representing a change of -1.62%. This indicates a decrease in overall liabilities.

  Total Equity: Total Equity increased to 15,980 million in 2024Q3 from 15,540 million in 2024Q2 representing a change of 2.83%. This indicates an increase in shareholders' equity.

  Total Current Assets: Total Current Assets increased to 109,098 million in 2024Q3 from 18,632 million in 2024Q2 representing a change of 485.54%. This indicates a better liquidity position.

  Total Current Liabilities: Total Current Liabilities decreased to 0 million in 2024Q3 from 6,212 million in 2024Q2 representing a change of -100.0%. This indicates a lower short-term debt burden.

  Retained Earnings: Retained Earnings increased to 20,975 million in 2024Q3 from 20,310 million in 2024Q2 representing a change of 3.27%. This indicates an accumulated profits.

  Total Debt: Total Debt decreased to 15,632 million in 2024Q3 from 15,637 million in 2024Q2 representing a change of -0.03%. This indicates a reduction in overall debt burden.

Cashflow Statements ⓘ

• Annual Cashflow Statement

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0001601712
net change in cash	3991000000	1744000000	128.84
operating cash flow	8593000000	6694000000	28.37
free cash flow	8593000000	6694000000	28.37
capital expenditure	0	0	NaN
depreciation and amortization	458000000	419000000	9.31
deferred income tax	-458000000	-421000000	-8.79
stock based compensation	0	0	NaN
accounts payables	0	0	NaN
inventory	0	0	NaN
acquisitions net	0	0	NaN
investments in property plant and equipment	0	0	NaN
net cash used for investing activites	-14234000000	-10234000000	-39.09
debt repayment	1777000000	-329000000	640.12
common stock issued	0	0	NaN
common stock repurchased	-1112000000	-3320000000	66.51
dividends paid	-448000000	-476000000	5.88
net cash used provided by financing activities	9632000000	5284000000	82.29
cash at end of period	14421000000	10430000000	38.26
accounts receivables	-645000000	-197000000	-227.41
cash at beginning of period	10430000000	8686000000	20.08

Overall Score of Annual Cashflow Statement

1.0 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Net Change in Cash: Net Change in Cash increased to 3,991 million in 2023 from 1,744 million in 2022 representing a change of 128.84%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.

  Operating Cash Flow: Operating Cash Flow increased to 8,593 million in 2023 from 6,694 million in 2022 representing a change of 28.37%. This indicates that the company generated more cash from its core business operations.

  Free Cash Flow: Free Cash Flow increased to 8,593 million in 2023 from 6,694 million in 2022 representing a change of 28.37%. This indicates an increase in cash generated after accounting for capital expenditures.

  Accounts Receivables: Accounts Receivables decreased to -645 million in 2023 from -197 million in 2022 representing a change of -227.41%. This suggests that the company has been able to collect payments from its customers more efficiently and timely.

  Dividends Paid: Dividends Paid increased to -448 million in 2023 from -476 million in 2022 representing a change of 5.88%. This indicates a stronger financial position, more confidence in future prospects, and a better commitment to returning value to shareholders.

• Quarterly Cashflow Statement

Note: The years below are fiscal years in accounting.

	2024Q3	2024Q2	Q/Q change %
0001601712
operating cash flow	2763000000	2484000000	11.23
free cash flow	2763000000	2484000000	11.23
capital expenditure	0	0	NaN
depreciation and amortization	121000000	80000000	51.25
deferred income tax	-72000000	-35000000	-105.71
stock based compensation	0	0	NaN
accounts receivables	21000000	211000000	-90.05
accounts payables	0	0	NaN
inventory	0	0	NaN
acquisitions net	0	0	NaN
investments in property plant and equipment	0	0	NaN
net cash used for investing activites	-2231000000	-2507000000	11.01
debt repayment	-8000000	-500000000	98.40
common stock issued	0	0	NaN
common stock repurchased	-302000000	-305000000	0.98
dividends paid	-120000000	-119000000	-0.84
net cash used provided by financing activities	-1231000000	-1367000000	9.95
net change in cash	-651000000	-1389000000	53.13
cash at end of period	17981000000	18632000000	-3.49
cash at beginning of period	18632000000	20021000000	-6.94

Overall Score of Quarterly Cashflow Statement

0.8 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Net Change in Cash: Net Change in Cash increased to -651 million in 2024Q3 from -1,389 million in 2024Q2 representing a change of 53.13%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.

  Operating Cash Flow: Operating Cash Flow increased to 2,763 million in 2024Q3 from 2,484 million in 2024Q2 representing a change of 11.23%. This indicates that the company generated more cash from its core business operations.

  Free Cash Flow: Free Cash Flow increased to 2,763 million in 2024Q3 from 2,484 million in 2024Q2 representing a change of 11.23%. This indicates an increase in cash generated after accounting for capital expenditures.

  Accounts Receivables: Accounts Receivables decreased to 21 million in 2024Q3 from 211 million in 2024Q2 representing a change of -90.05%. This suggests that the company has been able to collect payments from its customers more efficiently and timely.

• 📉 Negative Indicators

  Dividends Paid: Dividends Paid decreased to -120 million in 2024Q3 from -119 million in 2024Q2 representing a change of -0.84%. This indicates a weaker financial position, less confidence in future prospects, and a reluctance to return value to shareholders.

Earnings Transcripts ⓘ

We save you time by utilizing Generative AI to summarize earnings transcripts. Our summaries provide a clear insight into the company's current performance, future outlook, and overall sentiment expressed during the call. Click on below links to explore more.

Note: The years mentioned below are fiscal years in accounting.

Q3 2024 Earnings call transcript
Q2 2024 Earnings call transcript
Q1 2024 Earnings call transcript
Q4 2023 Earnings call transcript
Q3 2023 Earnings call transcript
Q2 2023 Earnings call transcript
Q1 2023 Earnings call transcript
Q4 2022 Earnings call transcript

Earnings Per Share (EPS) ⓘ

Analyst Stock Recommendations ⓘ

Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.

Financial Ratios ⓘ

• Annual Financial Ratios

	2023-12-31	2022-12-31	Y/Y change %
FY
calendar year	2023	2022	NaN
revenue per share	18.19	33.32	-45.40
net income per share	5.31	6.28	-15.37
operating cash flow per share	20.4	13.93	46.41
free cash flow per share	20.4	13.93	46.41
cash per share	33.85	31.58	7.18
book value per share	33.01	26.8	23.18
tangible book value per share	28.66	22.95	24.85
shareholders equity per share	33.01	26.8	23.18
interest debt per share	46.75	32.71	42.95
market cap	16085628000.0	15785944000	1.90
enterprise value	17808628000	19682944000	-9.52
pe ratio	7.19	5.23	37.32
price to sales ratio	2.1	0.99	112.85
pocfratio	1.87	2.36	-20.62
pfcf ratio	1.87	2.36	-20.62
pb ratio	1.16	1.23	-5.65
ptb ratio	1.16	1.23	-5.65
ev to sales	2.32	1.23	89.00
enterprise value over ebitda	0	4.02	-100.00
ev to operating cash flow	2.07	2.94	-29.52
ev to free cash flow	2.07	2.94	-29.52
earnings yield	0.14	0.19	-27.18
free cash flow yield	0.53	0.42	25.98
debt to equity	1.15	1.1	4.28
debt to assets	0.14	0.14	0.24
net debt to ebitda	0	0.8	-100.00
current ratio	0	2.64	-100.00
interest coverage	0.99	3.58	-72.41
income quality	3.84	2.22	72.99
dividend yield	0.03	0.03	-7.64
payout ratio	0.2	0.16	26.84
sales general and administrative to revenue	0.24	0.11	128.77
research and ddevelopement to revenue	0	0.0	-100.00
intangibles to total assets	0.02	0.02	-11.67
capex to operating cash flow	0	0	NaN
capex to revenue	0	0	NaN
capex to depreciation	0	0	NaN
stock based compensation to revenue	0	0	NaN
graham number	62.82	61.52	2.10
roic	0.02	0.04	-43.43
return on tangible assets	0.02	0.03	-34.09
graham net net	-212.05	-234.89	9.72
working capital	14259000000	6392000000	123.08
tangible asset value	12070000000	11026000000	9.47
net current asset value	-89317000000	-81397000000	-9.73
invested capital	16092000000	-96325000000	116.71
average receivables	0	0	NaN
average payables	15500000	0	NaN
average inventory	-36324500000	-68182000000	46.72
days sales outstanding	0	0	NaN
days payables outstanding	0	0	NaN
days of inventory on hand	0	-19355.39	100.00
receivables turnover	0	0	NaN
payables turnover	0	0	NaN
inventory turnover	0	-0.02	100.00
roe	0.16	0.23	-31.29
capex per share	0	0	NaN

• Neutral

  ROE: Return on Equity (ROE) decreased to 0.16 on 2023-12-31 from 0.23 on 2022-12-31, representing a change of -31.29%. However, ROE is >= 15%, suggesting that the company has been generating high returns for its shareholders still.

• Positive

  PE Ratio: Price-to-Earnings (P/E) Ratio increased to 7.19 on 2023-12-31 from 5.23 on 2022-12-31, representing a change of 37.32%. Indicating an increase in the relative valuation of the company's stock.

• Negative

  Current Ratio: Current Ratio decreased to 0.00 on 2023-12-31 from 2.64 on 2022-12-31, representing a change of -100.00%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Also, it's below 1, indicating potential liquidity issues.

• Debt-to-Equity Ratio:

• Quarterly Financial Ratios

	2024-09-30 Q3	2024-06-30 Q2	Q/Q change %
SYF-PA
calendar year	2024	2024	NaN
revenue per share	9.72	12.24	-20.60
net income per share	2.01	1.61	24.90
operating cash flow per share	7.04	6.22	13.22
free cash flow per share	7.04	6.22	13.22
cash per share	51.69	53.41	-3.21
book value per share	40.73	38.92	4.67
tangible book value per share	35.54	33.78	5.19
shareholders equity per share	40.73	38.92	4.67
interest debt per share	42.84	42.11	1.75
market cap	19567924000	19210323000	1.86
enterprise value	17265924000	16215323000	6.48
pe ratio	6.2	7.47	-16.99
price to sales ratio	5.13	3.93	30.57
pocfratio	7.08	7.73	-8.42
pfcf ratio	7.08	7.73	-8.42
pb ratio	1.22	1.24	-0.94
ptb ratio	1.22	1.24	-0.94
ev to sales	4.53	3.32	36.49
enterprise value over ebitda	13.09	0	NaN
ev to operating cash flow	6.25	6.53	-4.27
ev to free cash flow	6.25	6.53	-4.27
earnings yield	0.04	0.03	20.46
free cash flow yield	0.14	0.13	9.20
debt to equity	0.98	1.01	-2.78
debt to assets	0.13	0.13	1.02
net debt to ebitda	-1.75	0	NaN
current ratio	0	3.0	-100.00
interest coverage	1.05	2.33	-54.93
income quality	3.5	3.86	-9.35
dividend yield	0.01	0.01	-1.00
payout ratio	0.15	0.19	-17.82
sales general and administrative to revenue	0.12	0.09	37.05
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0.02	0.02	0.51
capex to operating cash flow	0	0	NaN
capex to revenue	0	0	NaN
capex to depreciation	0	0	NaN
stock based compensation to revenue	0	0	NaN
graham number	42.93	37.55	14.33
roic	0.01	0.02	-54.32
return on tangible assets	0.01	0.01	24.01
graham net net	-37.21	-186.1	80.01
working capital	109098000000	12420000000	778.41
tangible asset value	13941000000	13490000000	3.34
net current asset value	5849000000	-86317000000	106.78
invested capital	111137000000	14470000000	668.05
average receivables	45582000000	0	NaN
average payables	0	762500000	-100.00
average inventory	9316000000	-26087500000	135.71
days sales outstanding	2151.22	0	NaN
days payables outstanding	0	0	NaN
days of inventory on hand	0	1601.6	-100.00
receivables turnover	0.04	0	NaN
payables turnover	0	0	NaN
inventory turnover	0	0.06	-100.00
roe	0.05	0.04	19.33
capex per share	0	0	NaN

• Negative

  ROE: Return on Equity (ROE) increased to 0.05 on 2024-09-30 Q3 from 0.04 on 2024-06-30 Q2, representing a change of 19.33%. However, ROE is <= 5%, suggesting that the company has not been generating high returns for its shareholders.

  PE Ratio: Price-to-Earnings (P/E) Ratio decreased to 6.20 on 2024-09-30 Q3 from 7.47 on 2024-06-30 Q2, representing a change of -16.99%. Indicating a decrease in the relative valuation of the company's stock.

  Current Ratio: Current Ratio decreased to 0.00 on 2024-09-30 Q3 from 3.00 on 2024-06-30 Q2, representing a change of -100.00%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Also, it's below 1, indicating potential liquidity issues.

• Positive

  Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.98 on 2024-09-30 Q3 from 1.01 on 2024-06-30 Q2, representing a change of -2.78%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.

Growth Rates ⓘ

• Annual Growth

• Quarterly Growth

Intrinsic Value (Discounted Cash Flow) ⓘ

Positive Sentiment: Discounted Cash Flow value is 76.08 which is higher than current price 19.25, indicates the company may be undervalued.