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SYNCHRONY FINANCIAL (1SYF.MI) Stock Fundamental Analysis

Europe - BIT:1SYF - US87165B1035 - Common Stock

62.21 EUR
+62.21 (+Infinity%)
Last: 9/29/2025, 7:00:00 PM
Fundamental Rating

4

Taking everything into account, 1SYF scores 4 out of 10 in our fundamental rating. 1SYF was compared to 9 industry peers in the Consumer Finance industry. 1SYF has only an average score on both its financial health and profitability. 1SYF has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year 1SYF was profitable.
In the past year 1SYF had a positive cash flow from operations.
1SYF had positive earnings in each of the past 5 years.
Each year in the past 5 years 1SYF had a positive operating cash flow.
1SYF.MI Yearly Net Income VS EBIT VS OCF VS FCF1SYF.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

1.2 Ratios

Looking at the Return On Assets, with a value of 2.36%, 1SYF is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
With a decent Return On Equity value of 17.38%, 1SYF is doing good in the industry, outperforming 66.67% of the companies in the same industry.
Industry RankSector Rank
ROA 2.36%
ROE 17.38%
ROIC N/A
ROA(3y)2.53%
ROA(5y)2.67%
ROE(3y)19.86%
ROE(5y)20.15%
ROIC(3y)N/A
ROIC(5y)N/A
1SYF.MI Yearly ROA, ROE, ROIC1SYF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

1SYF's Profit Margin of 15.50% is amongst the best of the industry. 1SYF outperforms 100.00% of its industry peers.
In the last couple of years the Profit Margin of 1SYF has declined.
The Operating Margin and Gross Margin are not available for 1SYF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 15.5%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.82%
PM growth 5Y-4.27%
GM growth 3YN/A
GM growth 5YN/A
1SYF.MI Yearly Profit, Operating, Gross Margins1SYF.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

2. Health

2.1 Basic Checks

1SYF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1SYF has less shares outstanding
1SYF has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, 1SYF has an improved debt to assets ratio.
1SYF.MI Yearly Shares Outstanding1SYF.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
1SYF.MI Yearly Total Debt VS Total Assets1SYF.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

The Debt to FCF ratio of 1SYF is 1.74, which is an excellent value as it means it would take 1SYF, only 1.74 years of fcf income to pay off all of its debts.
1SYF has a better Debt to FCF ratio (1.74) than 100.00% of its industry peers.
1SYF has a Debt/Equity ratio of 1.03. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.03, 1SYF is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
Although 1SYF does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF 1.74
Altman-Z N/A
ROIC/WACCN/A
WACC15.46%
1SYF.MI Yearly LT Debt VS Equity VS FCF1SYF.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1SYF.MI Yearly Current Assets VS Current Liabilites1SYF.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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2

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.59% over the past year.
Measured over the past years, 1SYF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.76% on average per year.
1SYF shows a decrease in Revenue. In the last year, the revenue decreased by -0.81%.
1SYF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.61% yearly.
EPS 1Y (TTM)4.59%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%-39.81%
Revenue 1Y (TTM)-0.81%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%-19.74%

3.2 Future

Based on estimates for the next years, 1SYF will show a decrease in Earnings Per Share. The EPS will decrease by -3.90% on average per year.
The Revenue is expected to decrease by -0.35% on average over the next years.
EPS Next Y-8.6%
EPS Next 2Y1.32%
EPS Next 3Y6.83%
EPS Next 5Y-3.9%
Revenue Next Year2.98%
Revenue Next 2Y4.09%
Revenue Next 3Y6.37%
Revenue Next 5Y-0.35%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
1SYF.MI Yearly Revenue VS Estimates1SYF.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B 20B
1SYF.MI Yearly EPS VS Estimates1SYF.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.64, the valuation of 1SYF can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of 1SYF indicates a rather cheap valuation: 1SYF is cheaper than 100.00% of the companies listed in the same industry.
1SYF is valuated cheaply when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.
1SYF is valuated reasonably with a Price/Forward Earnings ratio of 8.02.
Based on the Price/Forward Earnings ratio, 1SYF is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.32. 1SYF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.64
Fwd PE 8.02
1SYF.MI Price Earnings VS Forward Price Earnings1SYF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

1SYF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1SYF is cheaper than 77.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.73
EV/EBITDA N/A
1SYF.MI Per share data1SYF.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.65
EPS Next 2Y1.32%
EPS Next 3Y6.83%

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5

5. Dividend

5.1 Amount

1SYF has a Yearly Dividend Yield of 2.10%. Purely for dividend investing, there may be better candidates out there.
1SYF's Dividend Yield is a higher than the industry average which is at 3.05.
1SYF's Dividend Yield is comparable with the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 2.1%

5.2 History

The dividend of 1SYF is nicely growing with an annual growth rate of 6.31%!
Dividend Growth(5Y)6.31%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

1SYF pays out 16.49% of its income as dividend. This is a sustainable payout ratio.
DP16.49%
EPS Next 2Y1.32%
EPS Next 3Y6.83%
1SYF.MI Yearly Income VS Free CF VS Dividend1SYF.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
1SYF.MI Dividend Payout.1SYF.MI Dividend Payout, showing the Payout Ratio.1SYF.MI Dividend Payout.PayoutRetained Earnings

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SYNCHRONY FINANCIAL

BIT:1SYF (9/29/2025, 7:00:00 PM)

62.21

+62.21 (+Infinity%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)04-22 2025-04-22/bmo
Earnings (Next)07-15 2025-07-15/amc
Inst Owners99.71%
Inst Owner ChangeN/A
Ins Owners0.36%
Ins Owner ChangeN/A
Market Cap23.68B
Analysts76.92
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.1%
Yearly Dividend1.05
Dividend Growth(5Y)6.31%
DP16.49%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.93%
Min EPS beat(2)-2.01%
Max EPS beat(2)11.87%
EPS beat(4)3
Avg EPS beat(4)7.68%
Min EPS beat(4)-2.01%
Max EPS beat(4)13.72%
EPS beat(8)7
Avg EPS beat(8)22.24%
EPS beat(12)10
Avg EPS beat(12)16.55%
EPS beat(16)13
Avg EPS beat(16)18.05%
Revenue beat(2)1
Avg Revenue beat(2)-1.12%
Min Revenue beat(2)-3.08%
Max Revenue beat(2)0.83%
Revenue beat(4)3
Avg Revenue beat(4)0.99%
Min Revenue beat(4)-3.08%
Max Revenue beat(4)4.26%
Revenue beat(8)7
Avg Revenue beat(8)3.62%
Revenue beat(12)10
Avg Revenue beat(12)3.21%
Revenue beat(16)13
Avg Revenue beat(16)3.26%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.64
Fwd PE 8.02
P/S 1.44
P/FCF 2.73
P/OCF 2.73
P/B 1.61
P/tB 1.85
EV/EBITDA N/A
EPS(TTM)6.45
EY10.37%
EPS(NY)7.76
Fwd EY12.47%
FCF(TTM)22.78
FCFY36.62%
OCF(TTM)22.78
OCFY36.62%
SpS43.2
BVpS38.54
TBVpS33.61
PEG (NY)N/A
PEG (5Y)0.65
Profitability
Industry RankSector Rank
ROA 2.36%
ROE 17.38%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.5%
GM N/A
FCFM 52.74%
ROA(3y)2.53%
ROA(5y)2.67%
ROE(3y)19.86%
ROE(5y)20.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.82%
PM growth 5Y-4.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF 1.74
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 340.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC15.46%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)301.25%
Profit Quality(5y)326.22%
High Growth Momentum
Growth
EPS 1Y (TTM)4.59%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%-39.81%
EPS Next Y-8.6%
EPS Next 2Y1.32%
EPS Next 3Y6.83%
EPS Next 5Y-3.9%
Revenue 1Y (TTM)-0.81%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%-19.74%
Revenue Next Year2.98%
Revenue Next 2Y4.09%
Revenue Next 3Y6.37%
Revenue Next 5Y-0.35%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-70.28%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y36.41%
FCF growth 3Y11.53%
FCF growth 5Y1.84%
OCF growth 1Y36.41%
OCF growth 3Y11.53%
OCF growth 5Y1.84%