Synchrony Financial (SYF)
Synchrony Financial Statistics
Share Statistics
Synchrony Financial has 388.75M shares outstanding. The number of shares has increased by -3.19% in one year.
| Shares Outstanding | 388.75M |
| Shares Change (YoY) | -3.19% |
| Shares Change (QoQ) | -0.15% |
| Owned by Institutions (%) | 95.3% |
| Shares Floating | 386.94M |
| Failed to Deliver (FTD) Shares | 67 |
| FTD / Avg. Volume | < 0.01% |
Short Selling Information
The latest short interest is 12.34M, so 3.17% of the outstanding shares have been sold short.
| Short Interest | 12.34M |
| Short % of Shares Out | 3.17% |
| Short % of Float | 4.97% |
| Short Ratio (days to cover) | 2.8 |
Valuation Ratios
The PE ratio is 7.37 and the forward PE ratio is 5.34. Synchrony Financial's PEG ratio is 0.11.
| PE Ratio | 7.37 |
| Forward PE | 5.34 |
| PS Ratio | 2.74 |
| Forward PS | 1.1 |
| PB Ratio | 1.55 |
| P/FCF Ratio | 2.62 |
| PEG Ratio | 0.11 |
Enterprise Valuation
Synchrony Financial has an Enterprise Value (EV) of 26.52B.
| EV / Sales | 2.82 |
| EV / EBITDA | 0 |
| EV / EBIT | 2.69 |
| EV / FCF | 2.69 |
Financial Position
The company has a current ratio of 0.22, with a Debt / Equity ratio of 0.93.
| Current Ratio | 0.22 |
| Quick Ratio | 0.22 |
| Debt / Equity | 0.93 |
| Debt / EBITDA | - |
| Debt / FCF | 1.57 |
| Interest Coverage | 1.13 |
Financial Efficiency
Return on Equity is 21.1% and Return on Invested Capital is 10.8%.
| Return on Equity | 21.1% |
| Return on Assets | 2.93% |
| Return on Invested Capital | 10.8% |
| Revenue Per Employee | $469.6K |
| Profits Per Employee | $174.95K |
| Employee Count | 20,000 |
| Asset Turnover | 0.08 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 1.05B |
| Effective Tax Rate | 23.15% |
Stock Price Statistics
The stock price has increased by 12.97% in the last 52 weeks. The beta is 1.45, so Synchrony Financial's price volatility has been higher than the market average.
| Beta | 1.45 |
| 52-Week Price Change | 12.97% |
| 50-Day Moving Average | 54.65 |
| 200-Day Moving Average | 56.48 |
| Relative Strength Index (RSI) | 45.56 |
| Average Volume (20 Days) | 5.59M |
Income Statement
In the last 12 months, Synchrony Financial had revenue of 9.39B and earned 3.5B in profits. Earnings per share was 8.64.
| Revenue | 9.39B |
| Gross Profit | 16.63B |
| Operating Income | 5.26B |
| Net Income | 3.5B |
| EBITDA | 0 |
| EBIT | 5.38B |
| Earnings Per Share (EPS) | 8.64 |
Balance Sheet
The company has 14.71B in cash and 15.46B in debt, giving a net cash position of -751M.
| Cash & Cash Equivalents | 14.71B |
| Total Debt | 15.46B |
| Net Cash | -751M |
| Retained Earnings | 21.64B |
| Total Assets | 119.46B |
| Working Capital | -64.27B |
Cash Flow
In the last 12 months, operating cash flow was 9.85B and capital expenditures 0, giving a free cash flow of 9.85B.
| Operating Cash Flow | 9.85B |
| Capital Expenditures | 0 |
| Free Cash Flow | 9.85B |
| FCF Per Share | 24.84 |
Margins
Gross margin is 177.05%, with operating and profit margins of 55.97% and 37.26%.
| Gross Margin | 177.05% |
| Operating Margin | 55.97% |
| Pretax Margin | 48.48% |
| Profit Margin | 37.26% |
| EBITDA Margin | n/a |
| EBIT Margin | 55.97% |
| FCF Margin | 104.86% |
Dividends & Yields
SYF pays an annual dividend of $1.25, which amounts to a dividend yield of 1.48%.
| Dividend Per Share | $1.25 |
| Dividend Yield | 1.48% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 14.62% |
| Earnings Yield | 13.58% |
| FCF Yield | 38.21% |
Analyst Forecast
The average price target for SYF is $70, which is 44.6% higher than the current price. The consensus rating is "Buy".
| Price Target | $70 |
| Price Target Difference | 44.6% |
| Analyst Consensus | Buy |
| Analyst Count | 24 |
Scores
| Altman Z-Score | -0.07 |
| Piotroski F-Score | 8 |