Synchrony financial SYF.US Overview
SYF AI Analysis & Strategy
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SYF Current Performance
1.28%
Synchrony financial
1.08%
Avg of Sector
0.54%
S&P500
SYF Key Information
SYF Revenue by Segments
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SYF Net Income
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SYF Cash Flow
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SYF Profit Margin
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SYF PE Ratio River
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SYF Financial Forecast
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SYF Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
SYF 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; 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; and point-of-sale consumer financing for audiology products and dental services. 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. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
Price of SYF
SYF FAQ
When is SYF's latest earnings report released?
The most recent financial report for Synchrony financial (SYF) covers the period of 2025Q1 and was published on 2025/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating SYF's short-term business performance and financial health. For the latest updates on SYF's earnings releases, visit this page regularly.
Where does SYF fall in the P/E River chart?
According to historical valuation range analysis, Synchrony financial (SYF)'s current price-to-earnings (P/E) ratio is 6.86, placing it in the Reasonable zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of SYF?
According to the latest financial report, Synchrony financial (SYF) reported an Operating Profit of 984M with an Operating Margin of 44.19% this period, representing a decline of 42.39% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is SYF's revenue growth?
In the latest financial report, Synchrony financial (SYF) announced revenue of 2.23B, with a Year-Over-Year growth rate of -23.58%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much cash does SYF have?
At the end of the period, Synchrony financial (SYF) held Total Cash and Cash Equivalents of 21.63B, accounting for 0.18 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does SYF go with three margins increasing?
In the latest report, Synchrony financial (SYF) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 44.19%%, and net margin of 33%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess SYF's profit trajectory and future growth potential.
Is SYF's EPS continuing to grow?
According to the past four quarterly reports, Synchrony financial (SYF)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 1.91. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of SYF?
Synchrony financial (SYF)'s Free Cash Flow (FCF) for the period is 2.2B, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 2.14% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
What are the PEG ratio and PE ratio of SYF?
The latest valuation data shows Synchrony financial (SYF) has a Price-To-Earnings (PE) ratio of 6.86 and a Price/Earnings-To-Growth (PEG) ratio of -6.89. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.