Synchrony Financial SYF
72.94
1.39
1.94%
as of 25 Sep
- Market cap
- $23.3B
- P/E
- 7.4×
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
8.89 | 7.54 | 7.29 | 5.27 | 6.29 | 15.22 | 6.47 | 6.22 | 16.06 | 13.63 |
P/S ratio |
1.33 | 1.07 | 0.76 | 0.89 | 1.66 | 1.24 | 1.24 | 0.95 | 1.85 | 2.03 |
P/FCF ratio |
3.13 | 2.62 | 1.86 | 2.32 | 3.69 | 2.73 | 2.68 | 1.86 | 3.61 | 4.72 |
P/Operating CF |
12.58 | 10.95 | 6.90 | 8.42 | 13.07 | 9.80 | 10.33 | 6.76 | 12.52 | 17.82 |
P/B ratio |
1.99 | 1.68 | 1.21 | 1.28 | 2.03 | 1.71 | 1.68 | 1.19 | 2.17 | 2.16 |
Price to Tangible BV |
2.19 | 1.95 | 1.41 | 1.51 | 2.46 | 2.09 | 2.01 | 1.39 | 2.47 | 2.45 |
EV/Sales |
1.34 | 1.10 | 0.84 | 1.11 | 2.05 | 1.50 | 1.64 | 1.75 | 2.40 | 2.75 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
3.15 | 2.69 | 2.06 | 2.91 | 4.56 | 3.30 | 3.54 | 3.43 | 4.68 | 6.38 |
EV/FCF |
3.15 | 2.69 | 2.06 | 2.91 | 4.56 | 3.30 | 3.54 | 3.43 | 4.68 | 6.38 |
Quick Ratio |
0.17 | 0.17 | 0.16 | 0.13 | 0.12 | 0.17 | 0.17 | 0.14 | 0.19 | 0.17 |
Current Ratio |
1.24 | 1.24 | 1.22 | 1.20 | 1.25 | 1.23 | 1.35 | 1.41 | 1.45 | 1.46 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
12.75% | 12.94% | 13.60% | 13.57% | 15.15% | 16.44% | 18.95% | 22.47% | 21.71% | 22.33% |
Debt/Equity |
0.91 | 0.93 | 1.15 | 1.10 | 1.06 | 1.24 | 1.32 | 1.63 | 1.46 | 1.42 |
Asset Turnover |
0.19 | 0.20 | 0.19 | 0.18 | 0.16 | 0.16 | 0.18 | 0.18 | 0.18 | 0.17 |
Operating CF/Net income |
2.84 | 2.87 | 3.91 | 2.25 | 1.70 | 5.57 | 2.40 | 3.35 | 4.43 | 2.89 |
Capex/Depreciation |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 22.45% | 24.03% | 17.35% | 23.74% | 33.58% | 10.20% | 25.81% | 19.30% | 13.61% | 16.80% | |
| 2.91% | 2.89% | 1.98% | 2.97% | 4.36% | 1.34% | 3.54% | 2.75% | 2.08% | 2.58% | |
ROIC |
17.01% | 16.42% | 11.62% | 14.77% | 17.35% | 6.63% | 13.39% | 7.78% | 8.87% | 8.92% |
Return on Tangible Assets |
16.37% | 16.26% | 11.44% | 18.90% | 24.35% | 8.58% | 15.22% | 9.97% | 7.11% | 8.84% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
62.13% | 61.98% | 68.50% | 68.72% | 58.51% | 78.98% | 63.12% | 69.79% | 71.76% | 68.14% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
0.19 | 0.22 | 0.19 | 0.10 | 0.10 | (0.01) | 0.20 | 0.23 | 0.21 | 0.17 |
Graham Number |
94.17 | 86.67 | 60.54 | 59.13 | 61.64 | 32.28 | 51.81 | 40.95 | 31.21 | 32.37 |
Earnings Yield |
11.24% | 13.26% | 13.72% | 18.99% | 15.91% | 6.57% | 15.47% | 16.07% | 6.23% | 7.34% |
Free Cash Flow Yield |
31.92% | 38.21% | 53.74% | 43.02% | 27.10% | 36.62% | 37.25% | 53.65% | 27.74% | 21.19% |
Revenue per Share |
62.51 | 60.95 | 49.86 | 36.48 | 27.90 | 27.97 | 29.04 | 24.59 | 20.98 | 18.24 |
Operating CF per Share |
26.63 | 24.84 | 20.40 | 13.93 | 12.57 | 12.71 | 13.41 | 12.59 | 10.78 | 7.85 |
Capex per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Free Cash Flow per Share |
26.63 | 24.84 | 20.40 | 13.93 | 12.57 | 12.71 | 13.41 | 12.59 | 10.78 | 7.85 |
Cash per Share |
40.48 | 37.10 | 33.85 | 21.43 | 14.77 | 19.57 | 18.12 | 12.66 | 14.58 | 11.24 |
Shareholders Equity per Share |
45.33 | 41.82 | 33.01 | 26.80 | 24.19 | 21.56 | 22.51 | 19.77 | 17.89 | 17.12 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
45.33 | 41.82 | 33.01 | 26.80 | 24.19 | 21.56 | 22.51 | 19.77 | 17.89 | 17.12 |
Free Cash Flow |
9,851.00 | 9,848.00 | 8,593.00 | 6,694.00 | 7,099.00 | 7,487.00 | 8,990.00 | 9,342.00 | 8,575.00 | 6,511.00 |
Working Capital |
21,192.00 | 21,082.00 | 19,189.00 | 15,737.00 | 17,164.00 | 15,659.00 | 24,613.00 | 27,990.00 | 27,200.00 | 25,450.00 |
Net Current Asset Value |
6,010.00 | 5,620.00 | 3,100.00 | 1,546.00 | 2,657.00 | (116.00) | 4,747.00 | 3,994.00 | 6,401.00 | 5,303.00 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Net Profit Margin |
15.00% | 14.18% | 10.46% | 16.97% | 26.53% | 8.15% | 19.25% | 15.29% | 11.59% | 14.89% |
Price to Operating Income |
6.68 | 5.66 | 5.51 | 3.93 | 4.76 | 11.38 | 4.94 | 4.78 | 9.30 | 8.61 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
20.99% | 21.06% | 19.47% | 17.92% | 19.45% | 18.72% | 19.09% | 19.43% | 18.39% | 14.91% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.05 | 0.06 | 0.05 | 0.02 | 0.02 | 0.03 | 0.04 | 0.03 | 0.03 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
7,162.65 | 6,463.67 | 7,981.90 | 17,214.51 | 22,023.79 | 13,763.02 | 10,380.28 | 12,495.69 | 14,822.52 | 15,224.42 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
81,603.00 | 81,607.50 | 76,444.00 | 67,002.50 | 62,526.00 | 63,968.00 | 64,586.50 | 60,253.50 | 54,271.50 | 47,711.00 |
Average Assets |
119,279.00 | 118,471.00 | 111,021.50 | 100,156.00 | 95,848.00 | 100,387.00 | 105,809.00 | 101,300.00 | 93,007.50 | 87,098.50 |
Average Common Equity |
15,451.00 | 14,263.50 | 12,654.00 | 12,530.00 | 12,444.00 | 13,160.50 | 14,516.00 | 14,456.00 | 14,215.00 | 13,400.00 |
Columns are period end dates