SYNCHRONY FINANCIAL(BIT:1SYF) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to 1SYF. 1SYF was compared to 9 industry peers in the Consumer Finance industry. 1SYF has an average financial health and profitability rating. 1SYF has a valuation in line with the averages, but it does not seem to be growing.

Quickly go to:

1. Profitability

1.1 Basic Checks

1SYF had positive earnings in the past year.

1SYF had a positive operating cash flow in the past year.

1SYF had positive earnings in each of the past 5 years.

1SYF had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

1SYF's Return On Assets of 2.36% is fine compared to the rest of the industry. 1SYF outperforms 66.67% of its industry peers.

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 Rank	Sector 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

1.3 Margins

1SYF has a better Profit Margin (15.50%) than 100.00% of its industry peers.

1SYF's Profit Margin has declined in the last couple of years.

1SYF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

2.2 Solvency

1SYF has a debt to FCF ratio of 1.74. This is a very positive value and a sign of high solvency as it would only need 1.74 years to pay back of all of its debts.

With an excellent Debt to FCF ratio value of 1.74, 1SYF belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.

A Debt/Equity ratio of 1.03 is on the high side and indicates that 1SYF has dependencies on debt financing.

1SYF has a Debt to Equity ratio of 1.03. This is in the better half of the industry: 1SYF outperforms 77.78% of its industry peers.

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 Rank	Sector Rank
Debt/Equity	1.03
Debt/FCF	1.74
Altman-Z	N/A

ROIC/WACCN/A

WACC15.48%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

1SYF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.59%.

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.

The Revenue has decreased by -0.81% in the past year.

Measured over the past years, 1SYF shows a small growth in Revenue. The Revenue has been growing by 2.61% on average per year.

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

1SYF is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.90% yearly.

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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.40, the valuation of 1SYF can be described as reasonable.

100.00% of the companies in the same industry are more expensive than 1SYF, based on the Price/Earnings ratio.

1SYF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.60.

A Price/Forward Earnings ratio of 6.99 indicates a rather cheap valuation of 1SYF.

1SYF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. 1SYF is cheaper than 77.78% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.43, 1SYF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.4
Fwd PE	6.99

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, 1SYF is valued a bit cheaper than 66.67% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.38
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.57

EPS Next 2Y1.32%

EPS Next 3Y6.83%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.98%, 1SYF has a reasonable but not impressive dividend return.

1SYF's Dividend Yield is a higher than the industry average which is at 3.01.

1SYF's Dividend Yield is comparable with the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	1.98%

5.2 History

On average, the dividend of 1SYF grows each year by 6.31%, which is quite nice.

Dividend Growth(5Y)6.31%

Div Incr YearsN/A

Div Non Decr YearsN/A

5.3 Sustainability

16.49% of the earnings are spent on dividend by 1SYF. This is a low number and sustainable payout ratio.

DP16.49%

EPS Next 2Y1.32%

EPS Next 3Y6.83%

More info and screens

Find the best dividend stocks

Show peers with best dividend

SYNCHRONY FINANCIAL

BIT:1SYF (5/16/2025, 7:00:00 PM)

54.49

+54.49 (+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 Cap20.74B

Analysts76.92

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.98%

Yearly Dividend1.06

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 Rank	Sector Rank
PE	8.4
Fwd PE	6.99
P/S	1.25
P/FCF	2.38
P/OCF	2.38
P/B	1.41
P/tB	1.61
EV/EBITDA	N/A

EPS(TTM)6.49

EY11.91%

EPS(NY)7.8

Fwd EY14.31%

FCF(TTM)22.9

FCFY42.03%

OCF(TTM)22.9

OCFY42.03%

SpS43.43

BVpS38.75

TBVpS33.79

PEG (NY)N/A

PEG (5Y)0.57

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC15.48%

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%

SYNCHRONY FINANCIAL (1SYF.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens