| Market cap | $18.16B |
|---|---|
| Enterprise value | $17.86B |
| Revenue | $8.667B |
|---|---|
| EBITDA | $4.288B |
| Income | $2.888B |
| Revenue Q/Q | 52.65% |
| Revenue Y/Y | 9.21% |
| P/E | 6.78 |
|---|---|
| Forward P/E | 8.29 |
| EV/Sales | 2.06 |
| EV/EBITDA | 4.16 |
| EV/EBIT | 4.72 |
| PEG | 0.46 |
| Price/Sales | 2.10 |
| P/FCF | 2.03 |
| Price/Book | 1.31 |
| Book/Share | 36.49 |
| Cash/Share | N/A |
| FCF yield | 49.30% |
| Volume | 2.397M / 4.645M |
|---|---|
| Relative vol. | 0.52 × |
| EPS | 7.03 |
|---|---|
| EPS Q/Q | -26.50% |
| Est. EPS Q/Q | -20.27% |
| Profit margin | 28.66% |
|---|---|
| Oper. margin | 44.10% |
| Gross margin | 100.00% |
| EBIT margin | 43.61% |
| EBITDA margin | 49.48% |
| Ret. on assets | 2.51% |
|---|---|
| Ret. on equity | 20.51% |
| ROIC | 2.58% |
| ROCE | 3.12% |
| Debt/Equity | 7.45 |
|---|---|
| Net debt/EBITDA | -0.25 |
| Current ratio | N/A |
| Quick ratio | N/A |
| Volatility | 2.41% |
|---|---|
| Beta | 0.98 |
| RSI | 62.03 |
|---|
| Insider ownership | N/A |
|---|---|
| Inst. ownership | N/A |
| Shares outst. | 401.544M |
|---|---|
| Shares float | 0.000 0.00% |
| Short % of float | 4.22% |
| Short ratio | 2.78 |
| Dividend | $1.00 |
|---|---|
| Dividend yield | 2.13% |
| Payout ratio | 14.22% |
| Payment date | N/A |
| Ex-dividend date | N/A |
| Earnings date | 17 Jul 2024 |
Friday, 28 June 2024
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Thursday, 29 February 2024
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| Synchrony Dives for a Good Cause | |
Saturday, 10 February 2024
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Thursday, 1 February 2024
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| Aflac's Q4 Earnings Miss on Higher Benefits and Claims | |
| Synchrony Financial's Dividend Analysis | |
Sunday, 28 January 2024
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| Be Sure To Check Out Synchrony Financial Before It Goes Ex-Dividend | |
Wednesday, 24 January 2024
|
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| Q4 2023 Synchrony Financial Earnings Call | |
Wednesday, 10 January 2024
|
|
| Synchrony Expands CareCredit Offering With Destination Pet | |
Tuesday, 2 January 2024
|
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| Synchrony to Announce Fourth Quarter 2023 Financial Results on January 23, 2024 | |
Monday, 20 November 2023
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| What Does It Cost to Own a Pet? It's a Lot More Than You Think | |
Tuesday, 24 October 2023
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| Synchrony Financial Q3 2023 Earnings Call Transcript | |
| Synchrony Financial beats profit estimates on interest income boost | |
Tuesday, 10 October 2023
|
|
| Veterinary Growth Partners Selects Synchrony's CareCredit as Financing Solution for Members | |
Wednesday, 13 September 2023
|
|
| Synchrony's CareCredit Now Offered at More Than 95% of Veterinary University Hospitals Nationwide | |
Tuesday, 8 August 2023
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| Are These 2 Bank Stocks Screaming Buys After Their Dividend Raises? | |
Monday, 7 August 2023
|
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| Synchrony Partners with Floor & Decor on New Credit Card Program | |
Friday, 28 July 2023
|
|
| Synchrony Expands Partnership with Roto-Rooter to Provide Access to Financing for Plumbing Services | |
Tuesday, 18 July 2023
|
|
| Synchrony Reports Second Quarter 2023 Results | |
Monday, 17 July 2023
|
|
| At Home and Synchrony Expand Financing Options and Mobile Capabilities for Customers | |
Tuesday, 11 July 2023
|
|
| 2023 Disability Equality Index Awards Synchrony Top Score for Seventh Consecutive Year | |
Friday, 7 July 2023
|
|
| Medical Credit Cards Targeted by US for Piling Debt on Patients | |
| Here’s Why Synchrony Financial is Entering into Digital Wallet Market | |
Monday, 12 June 2023
|
|
| Synchrony Financial shareholders have earned a 14% CAGR over the last three years | |
| Insider |
Trans.
Transaction
|
Total value |
|---|---|---|
| Curtis Howse See remarks | Sale 2 May 2024 | $1,420,290 |
| Curtis Howse See remarks | Sale 15 Mar 2024 | $264,585 |
| Bart Schaller See remarks | Sale 15 Mar 2024 | $2,645,462 |
| Brian D Doubles See remarks | Sale 1 Mar 2024 | $5,557,557 |
| Jonathan S Mothner See remarks | Sale 1 Mar 2024 | $1,458,000 |
| David P Melito See remarks | Sale 1 Mar 2024 | $128,633 |
| Maran Nalluswami See remarks | Sale 1 Mar 2024 | $592,272 |
| Carol Juel See remarks | Sale 1 Mar 2024 | $2,895,588 |
| Alberto Casellas See remarks | Sale 1 Mar 2024 | $1,968,326 |
| Brian J. Sr. Wenzel See remarks | Sale 1 Mar 2024 | $456,881 |
| David P Melito See remarks | Sale 1 Feb 2024 | $283,964 |
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Price target
Current $46.92
Average $33.42
Low $26
High $47
Dividends
| Ex-dividend date | N/A | Frequency | Quarterly | Annual dividend | +6.67% |
|---|---|---|---|---|---|
| Next dividend | N/A | Dividend yield | 2.13% | Growth period | 7 years |
| Last dividend date | Yield 3 years | 2.46% | Growth 3 years | +2.94% | |
| Last dividend | Yield 5 years | 2.36% | Growth 5 years | +5.92% |
| Insider | Age | Since | Compensation |
|---|---|---|---|
| Margaret Keane (60) Chief Executive Officer and Director since 2019 | 60 | 2019 | $12,169,300 |
| Brian Doubles (44) President since 2019 | 44 | 2019 | $4,616,380 |
| Margaret M. Keane (62) Exec. Chair of the Board | 62 | $3,940,465 | |
| Thomas Quindlen (57) Executive Vice President and Chief Executive Officer - Retail Card since 2014 | 57 | 2014 | $3,400,740 |
| Neeraj Mehta (49) Executive Vice President, Chief Executive Officer of Payment Solutions, and Chief Commercial Officer since 2018 | 49 | 2018 | $3,295,240 |
| Jonathan Mothner (56) Executive Vice President, General Counsel, and Secretary since 2014 | 56 | 2014 | $3,144,460 |
| Henry Greig (57) Executive Vice President, Chief Credit Officer, and Capital Management Leader since 2017 | 57 | 2017 | $2,772,230 |
| Brian Wenzel (52) Chief Financial Officer and Executive Vice President since 2019 | 52 | 2019 | $2,591,020 |
| Brian D. Doubles (45) Pres, CEO, and Director | 45 | $2,181,676 | |
| Thomas M. Quindlen (59) Exec. VP, CEO of Diversified, Value, and Lifestyle | 59 | $1,944,484 | |
| Brian J. Wenzel Sr. (53) Exec. VP and CFO | 53 | $1,464,339 | |
| Richard Hartnack (74) Non-Executive Independent Chairman of the Board since 2014 | 74 | 2014 | $477,131 |
| Jeffrey Naylor (61) Independent Director since 2014 | 61 | 2014 | $279,079 |
| Olympia Snowe (73) Independent Director since 2015 | 73 | 2015 | $264,079 |
| Roy Guthrie (66) Independent Director since 2014 | 66 | 2014 | $257,079 |
| Paget Alves (65) Independent Director since 2015 | 65 | 2015 | $242,079 |
| Arthur Coviello (66) Independent Director since 2015 | 66 | 2015 | $241,690 |
| Laurel Richie (61) Independent Director since 2015 | 61 | 2015 | $234,079 |
| William Graylin (51) Independent Director since 2015 | 51 | 2015 | $226,079 |
| Ellen Zane (68) Independent Director since 2019 | 68 | 2019 | $208,218 |
| Fernando Aguirre (63) Independent Director since 2019 | 63 | 2019 | $97,919 |
| P.W. Parker | 2020 | ||
| David Melito (54) Senior Vice President, Chief Accounting Officer, and Controller since 2014 | 54 | 2014 | |
| Alberto Casellas (53) Executive Vice President and CEO - CareCredit since 2019 | 53 | 2019 | |
| Paul Whynott (49) Executive Vice President and Chief Risk Officer since 2017 | 49 | 2017 | |
| DJ Casto | |||
| Trish Mosconi | |||
| David P. Melito (55) Sr. VP, Chief Accounting Officer, and Controller | 55 | ||
| Carol D. Juel (48) Exec. VP, Chief Technology, and Operating Officer | 48 | ||
| Bart Schaller | |||
| Jonathan S. Mothner Esq. (57) Exec. VP, Gen. Counsel, and Sec. | 57 | ||
| Jennifer Sekel Church | |||
| Carol Juel | |||
| Kurt R. Grossheim |
synchrony financial is one of the premier consumer financial services companies in the united states. our roots in consumer finance trace back to 1932, and today we are the largest provider of private label credit cards in the united states based on purchase volume and receivables. we provide a range of credit products through programs we have established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers to help generate growth for our partners and offer financial flexibility to our customers. through our partners’ more than 300,000 locations across the united states and canada, and their websites and mobile applications, we offer our customers a variety of credit products to finance the purchase of goods and services. our offerings include private label credit cards, promotional financing and installment lending, loyalty programs and optimizer+plus branded fdic-insured sa
- Finance > Consumer Finance
- Synchrony Financial, 777 Long Ridge Road, Stamford 06902, United States
- 203 585 2400
- Investor relations
Dividends
| Ex-dividend date | N/A | Frequency | Quarterly | Annual dividend | +6.67% |
|---|---|---|---|---|---|
| Next dividend | N/A | Dividend yield | 2.13% | Growth period | 7 years |
| Last dividend date | Yield 3 years | 2.46% | Growth 3 years | +2.94% | |
| Last dividend | Yield 5 years | 2.36% | Growth 5 years | +5.92% |
Quarterly EPS estimates
Profit margin
Debt to assets
Cash flow
Balance sheet
XSLX
| (in millions USD) | 31 Mar 2024 | 31 Dec 2023 | |||
|---|---|---|---|---|---|
| Current assets | |||||
| Cash | $20,021 | $14,259 | |||
| Short term investments | |||||
| Net receivables | |||||
| Inventory | |||||
| Total current assets | |||||
| Long term investments | |||||
| Property, plant & equipment | |||||
| Goodwill & intangible assets | $1,873 | $1,833 | |||
| Total noncurrent assets | |||||
| Total investments | $93,833 | $96,216 | |||
| Total assets | $121,173 | $117,479 | |||
| Current liabilities | |||||
| Accounts payable | |||||
| Deferred revenue | |||||
| Short long term debt | |||||
| Total current liabilities | |||||
| Long term debt | |||||
| Total noncurrent liabilities | |||||
| Total debt | $16,133 | $15,982 | |||
| Total liabilities | $105,891 | $103,576 | |||
| Stockholders' equity | |||||
| Retained earnings | $19,790 | $18,662 | |||
| Other stockholder equity | -$72 | -$71 | |||
| Total stockholder equity | $15,282 | $13,903 | |||
| (in millions USD) | 2023 | 2022 | ||
|---|---|---|---|---|
| Current assets | ||||
| Cash | $14,259 | $10,294 | ||
| Short term investments | ||||
| Net receivables | ||||
| Inventory | ||||
| Total current assets | ||||
| Long term investments | ||||
| Property, plant & equipment | ||||
| Goodwill & intangible assets | $1,833 | $2,392 | ||
| Total noncurrent assets | ||||
| Total investments | $96,216 | $87,822 | ||
| Total assets | $117,479 | $104,564 | ||
| Current liabilities | ||||
| Accounts payable | ||||
| Deferred revenue | ||||
| Short long term debt | ||||
| Total current liabilities | ||||
| Long term debt | ||||
| Total noncurrent liabilities | ||||
| Total debt | $15,982 | $14,191 | ||
| Total liabilities | $103,576 | $91,691 | ||
| Stockholders' equity | ||||
| Retained earnings | $18,662 | $16,716 | ||
| Other stockholder equity | -$71 | -$131 | ||
| Total stockholder equity | $13,903 | $12,873 | ||
Income statement
| (in millions USD) | 31 Mar 2024 | 31 Dec 2023 | |||
|---|---|---|---|---|---|
| Revenue | |||||
| Total revenue | $2,914 | $1,855 | |||
| Cost of revenue | |||||
| Gross profit | $2,914 | $1,855 | |||
| Operating activities | |||||
| Research & development | |||||
| Selling, general & administrative | $621 | $676 | |||
| Total operating expenses | $1,206 | $1,316 | |||
| Operating income | $1,708 | $539 | |||
| Income from continuing operations | |||||
| EBIT | $1,697 | $528 | |||
| Income tax expense | $415 | $99 | |||
| Interest expense | |||||
| Net income | |||||
| Net income | $1,282 | $429 | |||
| Income (for common shares) | $1,282 | $429 | |||
| (in millions USD) | 2023 | 2022 | ||
|---|---|---|---|---|
| Revenue | ||||
| Total revenue | $7,662 | $8,299 | ||
| Cost of revenue | ||||
| Gross profit | $7,662 | $8,299 | ||
| Operating activities | ||||
| Research & development | ||||
| Selling, general & administrative | $2,411 | $2,168 | ||
| Total operating expenses | $4,758 | $4,337 | ||
| Operating income | $2,904 | $3,962 | ||
| Income from continuing operations | ||||
| EBIT | $2,862 | $3,920 | ||
| Income tax expense | $666 | $946 | ||
| Interest expense | ||||
| Net income | ||||
| Net income | $2,196 | $2,974 | ||
| Income (for common shares) | $2,196 | $2,974 | ||
Cash flows
| (in millions USD) | 31 Mar 2024 | 31 Dec 2023 | |||
|---|---|---|---|---|---|
| Net income | $1,282 | $429 | |||
| Operating activities | |||||
| Depreciation | $119 | $118 | |||
| Business acquisitions & disposals | -$1,444 | ||||
| Stock-based compensation | |||||
| Total cash flows from operations | $2,248 | $2,317 | |||
| Investing activities | |||||
| Capital expenditures | |||||
| Investments | $2,323 | -$6,955 | |||
| Total cash flows from investing | $798 | -$7,169 | |||
| Financing activities | |||||
| Dividends paid | -$102 | -$103 | |||
| Sale and purchase of stock | -$300 | -$253 | |||
| Net borrowings | $147 | $747 | |||
| Total cash flows from financing | $2,604 | $3,473 | |||
| Effect of exchange rate | |||||
| Change in cash and equivalents | $5,650 | -$1,379 | |||
| (in millions USD) | 2023 | 2022 | ||
|---|---|---|---|---|
| Net income | $2,196 | $2,974 | ||
| Operating activities | ||||
| Depreciation | $458 | $419 | ||
| Business acquisitions & disposals | ||||
| Stock-based compensation | ||||
| Total cash flows from operations | $8,593 | $6,694 | ||
| Investing activities | ||||
| Capital expenditures | ||||
| Investments | -$13,512 | -$9,685 | ||
| Total cash flows from investing | -$14,234 | -$10,234 | ||
| Financing activities | ||||
| Dividends paid | -$406 | -$434 | ||
| Sale and purchase of stock | -$1,112 | -$3,320 | ||
| Net borrowings | $1,777 | -$329 | ||
| Total cash flows from financing | $9,632 | $5,284 | ||
| Effect of exchange rate | ||||
| Change in cash and equivalents | $3,991 | $1,744 | ||
Recent institutional transactions
| Quarter | Shareholder | Change |
Shares owned
Shares
|
Value (in thousands USD) |
|---|---|---|---|---|
| 2024 Q2 | Dnb Asset Management As |
+15.30%
|
73,632 | $3,474,694 |
| 2024 Q1 | Assenagon Asset Management S.A. |
+995.39%
|
5,599,443 | $241,447,982 |
| 2024 Q1 | Blackrock |
-11.33%
|
36,920,320 | $1,592,004,210 |
| 2024 Q1 | Goldman Sachs Group Inc |
-39.64%
|
3,158,417 | $136,190,938 |
| 2024 Q1 | Arrowstreet Capital, Limited Partnership |
+28.42%
|
9,263,737 | $399,452 |
| 2024 Q1 | Bank Of America Corp de/ |
-6.67%
|
20,516,414 | $884,667,752 |
| 2024 Q1 | Caisse De Depot Et Placement Du Quebec |
+63,051.77%
|
1,141,784 | $49,233,726 |
| 2024 Q1 | Invesco |
+21.19%
|
6,433,985 | $277,433,434 |
| 2024 Q1 | Solel Partners L.P. |
Opened
|
1,054,300 | $45,461,416 |
| 2024 Q1 | Deutsche Bank Ag\ |
+40.73%
|
3,227,207 | $139,157,166 |
Institutional shareholders
| Shareholder | Stake |
Shares owned
Shares
|
Value (in thousands USD) |
|---|---|---|---|
| Capital World Investors | 11.09% | 44,534,680 | |
| Blackrock | 9.19% | 36,920,320 | |
| Bank Of America Corp de/ | 5.11% | 20,516,414 | |
| Arrowstreet Capital, Limited Partnership | 2.31% | 9,263,737 | |
| Par Capital Management Inc | 2.09% | 8,400,000 | |
| Southpoint Capital Advisors L.P. | 1.87% | 7,500,000 | |
| Invesco | 1.60% | 6,433,985 | |
| Dimensional Fund Advisors L.P. | 1.59% | 6,373,358 | |
| Assenagon Asset Management S.A. | 1.39% | 5,599,443 | |
| Bank Of New York Mellon Corp | 1.14% | 4,567,808 |
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