Stock Scorecard
Stock Summary for Synchrony Financial (SYF) - $52.43 as of 3/28/2025 9:06:14 PM EST
Total Score
16 out of 30
Safety Score
76 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 (76 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) | 1 |
| 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) | 8 |
| 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 | 12/31/2024 |
| Next Earnings Date | 4/22/2025 |
Stock Price History |
|
| Last Day Price | 52.43 |
| Price 4 Years Ago | 42.82 |
| Last Day Price Updated | 3/28/2025 9:06:14 PM EST |
| Last Day Volume | 3,467,835 |
| Average Daily Volume | 4,672,581 |
| 52-Week High | 70.67 |
| 52-Week Low | 38.91 |
| Last Price to 52 Week Low | 34.75% |
Valuation Measures |
|
| Trailing PE | 6.33 |
| Industry PE | 17.31 |
| Sector PE | 18.76 |
| 5-Year Average PE | 7.78 |
| Free Cash Flow Ratio | 1.39 |
| Industry Free Cash Flow Ratio | 5.58 |
| Sector Free Cash Flow Ratio | 16.64 |
| Current Ratio Most Recent Quarter | 0.18 |
| Total Cash Per Share | 37.84 |
| Book Value Per Share Most Recent Quarter | 39.56 |
| Price to Book Ratio | 1.37 |
| Industry Price to Book Ratio | 3.44 |
| Sector Price to Book Ratio | 2.74 |
| Price to Sales Ratio Twelve Trailing Months | 2.29 |
| Industry Price to Sales Ratio Twelve Trailing Months | 4.65 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.21 |
| Analyst Buy Ratings | 9 |
| Analyst Strong Buy Ratings | 6 |
Share Statistics |
|
| Total Shares Outstanding | 388,750,000 |
| Market Capitalization | 20,382,162,500 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 2/3/2025 |
| Previous Dividend Amount | 0.2500 |
| Current Dividend Amount | 0.2500 |
| Total Years Dividend Increasing | 3 |
| Trailing Annual Dividend Rate | 1.00 |
| Trailing Annual Dividend Yield | 1.79% |
| Forward Annual Dividend Rate | 1.00 |
| Forward Annual Dividend Yield | 1.79% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 1.54% |
| 5-Year Average Dividend Yield | 2.27% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 3.25% |
| All-Time Dividend Growth Rate Percentage | 8.64% |
| Dividend Payout Ratio | 11.67% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 82.00% |
| Annual Earnings Growth | 56.34% |
| Reported EPS 12 Trailing Months | 8.55 |
| Reported EPS Past Year | 8.54 |
| Reported EPS Prior Year | 5.18 |
| Net Income Twelve Trailing Months | 3,499,000,000 |
| Net Income Past Year | 3,499,000,000 |
| Net Income Prior Year | 2,238,000,000 |
| Quarterly Revenue Growth YOY | 20.80% |
| 5-Year Revenue Growth | -0.30% |
| Operating Margin Twelve Trailing Months | 52.00% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 14,711,000,000 |
| Total Cash Past Year | 14,711,000,000 |
| Total Cash Prior Year | 14,259,000,000 |
| Net Cash Position Most Recent Quarter | -751,000,000 |
| 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 | 15,462,000,000 |
| Equity to Debt Ratio Past Year | 0.52 |
| Equity to Debt Ratio Most Recent Quarter | 0.52 |
| Total Stockholder Equity Past Year | 16,580,000,000 |
| Total Stockholder Equity Prior Year | 13,903,000,000 |
| Total Stockholder Equity Most Recent Quarter | 16,580,000,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 9,848,000,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 25.33 |
| Free Cash Flow Past Year | 0 |
| Free Cash Flow Prior Year | 0 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -2.99 |
| MACD Signal | -3.09 |
| 20-Day Bollinger Lower Band | 54.41 |
| 20-Day Bollinger Middle Band | 64.10 |
| 20-Day Bollinger Upper Band | 73.80 |
| Beta | 1.67 |
| RSI | 34.21 |
| 50-Day SMA | 53.58 |
| 150-Day SMA | 39.30 |
| 200-Day SMA | 39.97 |
System |
|
| Modified | 3/28/2025 8:40:20 AM EST |