Synchrony Financial

$ 75.26 1.55 %

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

CEO: Brian D. Doubles - https://www.synchrony.com

Price objectif

$89.75 19.25 %

Recommandation

Buy

DCF

$ 86.02

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SYF vs S&P500

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Quick ratio

1.33

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

7.79

may indicate that the company is undervalued or has poor growth prospects.

EPS

9.66

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

21.41 %

is generally considered excellent, indicating that the company is generating strong profits with its equity.

ROIC

11.70 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

14.23

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

1.00

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

28.72

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

14.36 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
9 indicates good financial health
Altman score
0.99 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.25 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.14 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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