Kalkine has a fully transformed New Avatar.

Switch to Old version
1800-272-662
Shopping Cart 0
countryflagAU
Login

Synchrony Financial

Financial Services US SYF

65.46USD
-1.66(2.47%)

Last update at 2026-03-10T20:00:00Z

Day Range

65.1067.67
LowHigh

52 Week Range

26.1738.59
LowHigh

Fundamentals

  • Previous Close 67.12
  • Market Cap15796.97M
  • Volume4792241
  • P/E Ratio7.03
  • Dividend Yield2.53%
  • Revenue TTM7699.00M
  • Revenue Per Share TTM17.92
  • Gross Profit TTM 8299.00M
  • Diluted EPS TTM5.43

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 3962.00M 5503.00M 1797.00M 4887.00M 3644.00M
Minority interest - - - - -
Net income 3016.00M 4221.00M 1385.00M 3747.00M 2790.00M
Selling general administrative 1681.00M 1501.00M 1380.00M 1455.00M 1427.00M
Selling and marketing expenses 487.00M 486.00M 448.00M 549.00M 528.00M
Gross profit 16005.00M 10192.00M 11162.00M 13312.00M 16383.00M
Reconciled depreciation 419.00M 390.00M 383.00M 367.00M 302.00M
Ebit 5441.00M 5503.00M 1797.00M 4887.00M 5514.00M
Ebitda 5860.00M 5893.00M 2180.00M 5254.00M 5816.00M
Depreciation and amortization 419.00M 390.00M 383.00M 367.00M 302.00M
Non operating income net other - - - - -
Operating income 5441.00M 5503.00M 1797.00M 4887.00M 5514.00M
Other operating expenses 1319.00M -4689.00000M -1817.00000M -1854.00000M 1144.00M
Interest expense 1521.00M 1032.00M 1665.00M 2291.00M 1870.00M
Tax provision 946.00M 1282.00M 412.00M 1140.00M 854.00M
Interest income 17146.00M 15271.00M 16067.00M 19090.00M 17988.00M
Net interest income 15625.00M 14239.00M 14402.00M 16799.00M 16118.00M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 946.00M 1282.00M 412.00M 1140.00M 854.00M
Total revenue 16005.00M 10192.00M 11162.00M 13312.00M 13284.00M
Total operating expenses 1319.00M -4689.00000M -1817.00000M -1854.00000M -1144.00000M
Cost of revenue - - - -1566.00000M -3099.00000M
Total other income expense net -1479.00000M -1032.00000M -1665.00000M -2291.00000M -1870.00000M
Discontinued operations - - - - -
Net income from continuing ops 3016.00M 4221.00M 1385.00M 3747.00M 4498.00M
Net income applicable to common shares 2974.00M 4221.00M 1343.00M 3747.00M 2790.00M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 104564.00M 95748.00M 95948.00M 104826.00M 106792.00M
Intangible assets 1287.00M 1168.00M 1125.00M 1265.00M 1137.00M
Earning assets - 9644.00M 7474.00M 6636.00M 6062.00M
Other current assets 136.00M 4361.00M 5.00M 1225.00M 6062.00M
Total liab 91691.00M 14507.00M 15775.00M 19866.00M 92114.00M
Total stockholder equity 12873.00M 13655.00M 12701.00M 15088.00M 14678.00M
Deferred long term liab - - - - -
Other current liab 23.90M 62270.00M 62782.00M 69872.00M 68118.00M
Common stock 1.00M 1.00M 1.00M 1.00M 1.00M
Capital stock 735.00M 735.00M 735.00M 735.00M 1.00M
Retained earnings 16716.00M 14245.00M 10621.00M 12117.00M 8986.00M
Other liab 163.00M 228.00M 234.00M 210.00M 176.00M
Good will 1105.00M 1105.00M 1078.00M 1078.00M 1024.00M
Other assets 87075.00M 74572.00M 67283.00M 78514.00M 83111.00M
Cash 10294.00M 8337.00M 11524.00M 12147.00M 9396.00M
Cash and equivalents - - - - -
Total current liabilities 7338.90M 4.00M 67472.00M 69872.00M 68118.00M
Current deferred revenue - - - - -
Net debt 3897.00M 6170.00M 4251.00M 7719.00M 14600.00M
Short term debt 7315.00M 4.00M - 11821.00M -
Short long term debt - - - 750.00M -
Short long term debt total 14191.00M 14507.00M 15775.00M 19866.00M 23996.00M
Other stockholder equity -4453.00000M -1256.00000M 1396.00M 2294.00M 5753.00M
Property plant equipment - - - - -
Total current assets 10218.00M 13620.00M 18993.00M 18058.00M 15458.00M
Long term investments 4879.00M 5283.00M 5.00M 82338.00M 86712.00M
Net tangible assets 9747.00M 10648.00M 9764.00M 12011.00M 12517.00M
Short term investments 4879.00M 5283.00M 7469.00M 5911.00M 6062.00M
Net receivables 3.00M 72052.00M 71602.00M 81613.00M 86712.00M
Long term debt 14191.00M 14507.00M 15775.00M 19866.00M 23996.00M
Inventory - - - - -
Accounts payable 5765.00M 62270.00M 4690.00M 4718.00M 4099.00M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -125.00000M -69.00000M -51.00000M -58.00000M -62.00000M
Additional paid in capital - - - - -
Common stock total equity 1.00M 1.00M 1.00M 1.00M 1.00M
Preferred stock total equity 734.00M 734.00M 734.00M 734.00M -
Retained earnings total equity 16716.00M 14245.00M 10621.00M 12117.00M 8986.00M
Treasury stock -14171.00000M -10925.00000M -8174.00000M -7243.00000M -3729.00000M
Accumulated amortization - - - - -
Non currrent assets other -7271.00000M -7556.00000M -9672.00000M -8254.00000M -8223.00000M
Deferred long term asset charges - - - - -
Non current assets total 7271.00M 7556.00M 9672.00M 8254.00M 8223.00M
Capital lease obligations - - - - -
Long term debt total 14191.00M 14507.00M 15775.00M 19866.00M 23996.00M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -9685.00000M -4265.00000M -108.00000M 327.00M -18234.00000M
Change to liabilities -93.00000M 560.00M -67.00000M 363.00M 356.00M
Total cashflows from investing activities -10234.00000M -4814.00000M -498.00000M -261.00000M -19036.00000M
Net borrowings -329.00000M -1281.00000M -4108.00000M -4147.00000M 3180.00M
Total cash from financing activities 5284.00M -5204.00000M -8031.00000M -6458.00000M 8253.00M
Change to operating activities -72.00000M 597.00M -48.00000M 456.00M 437.00M
Net income 3016.00M 4221.00M 1385.00M 3747.00M 2790.00M
Change in cash 1744.00M -2919.00000M -1042.00000M 2271.00M -1441.00000M
Begin period cash flow 8686.00M 11605.00M 12647.00M 10376.00M 11817.00M
End period cash flow 10430.00M 8686.00M 11605.00M 12647.00M 10376.00M
Total cash from operating activities 6694.00M 7099.00M 7487.00M 8990.00M 9342.00M
Issuance of capital stock - 0.00000M 0.00000M 734.00M -
Depreciation 419.00M 390.00M 383.00M 367.00M 302.00M
Other cashflows from investing activities -549.00000M -549.00000M -390.00000M -588.00000M -802.00000M
Dividends paid -476.00000M -542.00000M -562.00000M -581.00000M 534.00M
Change to inventory - - - - -
Change to account receivables -197.00000M 424.00M 339.00M -391.00000M -280.00000M
Sale purchase of stock -3320.00000M -2876.00000M -985.00000M -3618.00000M -1868.00000M
Other cashflows from financing activities 14364.00M 29.00M -7.00000M 37.00M -34.00000M
Change to netincome 2954.00M 945.00M 4708.00M 4203.00M 5492.00M
Capital expenditures 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Change receivables -197.00000M 424.00M 339.00M -391.00000M -280.00000M
Cash flows other operating 595.00M 559.00M 739.00M 701.00M 682.00M
Exchange rate changes - - - - -
Cash and cash equivalents changes 1744.00M -2919.00000M -1042.00000M 2271.00M -1441.00000M
Change in working capital -269.00000M 1021.00M 291.00M 65.00M 157.00M
Stock based compensation - 726.00M 5310.00M 4180.00M 5545.00M
Other non cash items 3949.00M 522.00M 720.00M 608.00M 601.00M
Free cash flow 6694.00M 7099.00M 7487.00M 8990.00M 9342.00M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
SYF
Synchrony Financial		 -1.66 2.47% 65.46 7.03 7.05 2.04 1.19
V
Visa Inc. Class A		 -1.54 0.49% 314.43 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -3.0 0.58% 514.72 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -2.23 0.73% 303.15 21.83 20.04 3.53 7.21 4.18
PYPL
PayPal Holdings Inc		 -1.14 2.47% 45.02 21.96 18.69 2.93 4.56 2.86 12.64

Reports Covered

Stock Research & News

View All

Profile

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; and healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Synchrony Financial

777 Long Ridge Road, Stamford, CT, United States, 06902

Key Executives

Name Title Year Born
Ms. Margaret M. Keane Exec. Chair of the Board 1959
Mr. Brian D. Doubles Pres, CEO & Director 1976
Mr. Brian J. Wenzel Sr. Exec. VP & CFO 1968
Ms. Carol D. Juel Exec. VP & Chief Technology and Operating Officer 1973
Mr. Thomas M. Quindlen Exec. VP and CEO of Diversified, Value & Lifestyle Platforms 1962
Mr. Alberto Casellas Exec. VP and CEO of Health & Wellness 1967
Mr. David P. Melito Sr. VP, Chief Accounting Officer & Controller 1966
Ms. Kathryn Harmon Miller Sr. VP of Investor Relations NA
Mr. Jonathan S. Mothner Esq. Exec. VP, Gen. Counsel & Sec. 1964
Ms. Trish Mosconi EVP, Chief Strategy Officer & Corp. Devel. Leader NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.