Stock Scorecard
Stock Summary for Synchrony Financial (SYF) - $61.36 as of 5/13/2025 9:09:30 PM EST
Total Score
15 out of 30
Safety Score
73 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for SYF
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for SYF
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for SYF
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for SYF
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for SYF (73 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 5 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for SYF
Financial Details for SYF
Company Overview |
|
|---|---|
| Ticker | SYF |
| Company Name | Synchrony Financial |
| Country | USA |
| Description | Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary. |
| Sector Name | FINANCE |
| Industry Name | FINANCE SERVICES |
| Most Recent Quarter | 3/31/2025 |
| Next Earnings Date | 7/15/2025 |
Stock Price History |
|
| Last Day Price | 61.36 |
| Price 4 Years Ago | 42.58 |
| Last Day Price Updated | 5/13/2025 9:09:30 PM EST |
| Last Day Volume | 4,144,888 |
| Average Daily Volume | 5,291,635 |
| 52-Week High | 70.54 |
| 52-Week Low | 40.32 |
| Last Price to 52 Week Low | 52.18% |
Valuation Measures |
|
| Trailing PE | 8.27 |
| Industry PE | 15.75 |
| Sector PE | 19.55 |
| 5-Year Average PE | 10.68 |
| Free Cash Flow Ratio | 1.08 |
| Industry Free Cash Flow Ratio | 6.59 |
| Sector Free Cash Flow Ratio | 24.07 |
| Current Ratio Most Recent Quarter | 0.29 |
| Total Cash Per Share | 56.82 |
| Book Value Per Share Most Recent Quarter | 40.36 |
| Price to Book Ratio | 1.50 |
| Industry Price to Book Ratio | 3.64 |
| Sector Price to Book Ratio | 2.07 |
| Price to Sales Ratio Twelve Trailing Months | 2.64 |
| Industry Price to Sales Ratio Twelve Trailing Months | 5.38 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.98 |
| Analyst Buy Ratings | 9 |
| Analyst Strong Buy Ratings | 5 |
Share Statistics |
|
| Total Shares Outstanding | 380,657,000 |
| Market Capitalization | 23,357,113,520 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 5/5/2025 |
| Previous Dividend Amount | 0.2500 |
| Current Dividend Amount | 0.3000 |
| Total Years Dividend Increasing | 3 |
| Trailing Annual Dividend Rate | 1.05 |
| Trailing Annual Dividend Yield | 1.74% |
| Forward Annual Dividend Rate | 1.20 |
| Forward Annual Dividend Yield | 1.99% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 1.55% |
| 5-Year Average Dividend Yield | 2.28% |
| 1-Year Dividend Growth Rate Percentage | 20.00% |
| 3-Year Dividend Growth Rate Percentage | 9.54% |
| 5-Year Dividend Growth Rate Percentage | 8.06% |
| All-Time Dividend Growth Rate Percentage | 8.64% |
| Dividend Payout Ratio | 14.38% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -39.80% |
| Annual Earnings Growth | 56.34% |
| Reported EPS 12 Trailing Months | 7.30 |
| Reported EPS Past Year | 1.89 |
| Reported EPS Prior Year | 8.54 |
| Net Income Twelve Trailing Months | 2,963,000,000 |
| Net Income Past Year | 3,499,000,000 |
| Net Income Prior Year | 2,238,000,000 |
| Quarterly Revenue Growth YOY | -23.60% |
| 5-Year Revenue Growth | -6.74% |
| Operating Margin Twelve Trailing Months | 44.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 21,629,000,000 |
| Total Cash Past Year | 14,711,000,000 |
| Total Cash Prior Year | 14,259,000,000 |
| Net Cash Position Most Recent Quarter | 4,620,000,000 |
| Net Cash Position Past Year | -751,000,000 |
| Long Term Debt Past Year | 15,462,000,000 |
| Long Term Debt Prior Year | 15,982,000,000 |
| Total Debt Most Recent Quarter | 17,009,000,000 |
| Equity to Debt Ratio Past Year | 0.52 |
| Equity to Debt Ratio Most Recent Quarter | 0.49 |
| Total Stockholder Equity Past Year | 16,580,000,000 |
| Total Stockholder Equity Prior Year | 13,903,000,000 |
| Total Stockholder Equity Most Recent Quarter | 16,581,000,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 9,800,000,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 25.74 |
| Free Cash Flow Past Year | 9,848,000,000 |
| Free Cash Flow Prior Year | 8,593,000,000 |
Options |
|
| Put/Call Ratio | 3.37 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.76 |
| MACD Signal | -0.08 |
| 20-Day Bollinger Lower Band | 42.35 |
| 20-Day Bollinger Middle Band | 58.27 |
| 20-Day Bollinger Upper Band | 74.19 |
| Beta | 1.42 |
| RSI | 60.68 |
| 50-Day SMA | 54.24 |
| 150-Day SMA | 39.92 |
| 200-Day SMA | 39.94 |
System |
|
| Modified | 5/13/2025 11:47:23 AM EST |