SYNCHRONY FINANCIAL (SFE.DE) Fundamental Analysis & Valuation

FRA:SFE • US87165B1035

Current stock price

58.01 EUR
-0.56 (-0.96%)
Last:

This SFE.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SFE.DE Profitability Analysis

1.1 Basic Checks

  • In the past year SFE was profitable.
  • SFE had a positive operating cash flow in the past year.
  • In the past 5 years SFE has always been profitable.
  • SFE had a positive operating cash flow in each of the past 5 years.
SFE.DE Yearly Net Income VS EBIT VS OCF VS FCFSFE.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

1.2 Ratios

  • SFE has a Return On Assets of 2.91%. This is comparable to the rest of the industry: SFE outperforms 55.56% of its industry peers.
  • SFE has a better Return On Equity (20.69%) than 77.78% of its industry peers.
Industry RankSector Rank
ROA 2.91%
ROE 20.69%
ROIC N/A
ROA(3y)2.55%
ROA(5y)2.97%
ROE(3y)19.05%
ROE(5y)22.17%
ROIC(3y)N/A
ROIC(5y)N/A
SFE.DE Yearly ROA, ROE, ROICSFE.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • SFE has a better Profit Margin (18.27%) than 100.00% of its industry peers.
  • SFE's Profit Margin has improved in the last couple of years.
  • SFE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 18.27%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.56%
PM growth 5Y15.04%
GM growth 3YN/A
GM growth 5YN/A
SFE.DE Yearly Profit, Operating, Gross MarginsSFE.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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4

2. SFE.DE Health Analysis

2.1 Basic Checks

  • SFE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, SFE has less shares outstanding
  • Compared to 5 years ago, SFE has less shares outstanding
  • Compared to 1 year ago, SFE has an improved debt to assets ratio.
SFE.DE Yearly Shares OutstandingSFE.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
SFE.DE Yearly Total Debt VS Total AssetsSFE.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • SFE has a debt to FCF ratio of 1.54. This is a very positive value and a sign of high solvency as it would only need 1.54 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.54, SFE belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.91 indicates that SFE is somewhat dependend on debt financing.
  • The Debt to Equity ratio of SFE (0.91) is better than 77.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.91
Debt/FCF 1.54
Altman-Z N/A
ROIC/WACCN/A
WACC14.38%
SFE.DE Yearly LT Debt VS Equity VS FCFSFE.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SFE.DE Yearly Current Assets VS Current LiabilitesSFE.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. SFE.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.78% over the past year.
  • SFE shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.31% yearly.
  • SFE shows a decrease in Revenue. In the last year, the revenue decreased by -2.80%.
  • The Revenue has been growing slightly by 5.10% on average over the past years.
EPS 1Y (TTM)8.78%
EPS 3Y15.05%
EPS 5Y31.31%
EPS Q2Q%6.81%
Revenue 1Y (TTM)-2.8%
Revenue growth 3Y5.86%
Revenue growth 5Y5.1%
Sales Q2Q%0.87%

3.2 Future

  • SFE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.71% yearly.
  • SFE is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.19% yearly.
EPS Next Y0.43%
EPS Next 2Y5.94%
EPS Next 3Y7.71%
EPS Next 5YN/A
Revenue Next Year-0.73%
Revenue Next 2Y2.07%
Revenue Next 3Y1.61%
Revenue Next 5Y-2.19%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SFE.DE Yearly Revenue VS EstimatesSFE.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B
SFE.DE Yearly EPS VS EstimatesSFE.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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6

4. SFE.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.20, which indicates a rather cheap valuation of SFE.
  • Based on the Price/Earnings ratio, SFE is valued cheaper than 88.89% of the companies in the same industry.
  • SFE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.60.
  • Based on the Price/Forward Earnings ratio of 7.17, the valuation of SFE can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, SFE is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of SFE to the average of the S&P500 Index (22.84), we can say SFE is valued rather cheaply.
Industry RankSector Rank
PE 7.2
Fwd PE 7.17
SFE.DE Price Earnings VS Forward Price EarningsSFE.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • SFE's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SFE is cheaper than 66.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.36
EV/EBITDA N/A
SFE.DE Per share dataSFE.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)16.93
PEG (5Y)0.23
EPS Next 2Y5.94%
EPS Next 3Y7.71%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. SFE.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.80%, SFE has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.39, SFE pays a bit more dividend than its industry peers.
  • SFE's Dividend Yield is comparable with the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 1.8%

5.2 History

  • On average, the dividend of SFE grows each year by 8.17%, which is quite nice.
Dividend Growth(5Y)8.17%
Div Incr Years2
Div Non Decr Years3
SFE.DE Yearly Dividends per shareSFE.DE Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • SFE pays out 14.70% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of SFE is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP14.7%
EPS Next 2Y5.94%
EPS Next 3Y7.71%
SFE.DE Yearly Income VS Free CF VS DividendSFE.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
SFE.DE Dividend Payout.SFE.DE Dividend Payout, showing the Payout Ratio.SFE.DE Dividend Payout.PayoutRetained Earnings

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SFE.DE Fundamentals: All Metrics, Ratios and Statistics

SYNCHRONY FINANCIAL

FRA:SFE (3/31/2026, 7:00:00 PM)

58.01

-0.56 (-0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners107.26%
Inst Owner ChangeN/A
Ins Owners0.38%
Ins Owner ChangeN/A
Market Cap20.16B
Revenue(TTM)18.99B
Net Income(TTM)3.47B
Analysts80
Price Target76.61 (32.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.8%
Yearly Dividend1.2
Dividend Growth(5Y)8.17%
DP14.7%
Div Incr Years2
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)13.04%
Min EPS beat(2)-1.19%
Max EPS beat(2)27.28%
EPS beat(4)3
Avg EPS beat(4)19.92%
Min EPS beat(4)-1.19%
Max EPS beat(4)41.74%
EPS beat(8)6
Avg EPS beat(8)28.58%
EPS beat(12)9
Avg EPS beat(12)19.77%
EPS beat(16)13
Avg EPS beat(16)17.53%
Revenue beat(2)0
Avg Revenue beat(2)-0.78%
Min Revenue beat(2)-1.16%
Max Revenue beat(2)-0.4%
Revenue beat(4)2
Avg Revenue beat(4)-0.16%
Min Revenue beat(4)-1.16%
Max Revenue beat(4)0.65%
Revenue beat(8)6
Avg Revenue beat(8)4.11%
Revenue beat(12)10
Avg Revenue beat(12)3.06%
Revenue beat(16)13
Avg Revenue beat(16)3.17%
PT rev (1m)0%
PT rev (3m)4.94%
EPS NQ rev (1m)1.57%
EPS NQ rev (3m)0.01%
EPS NY rev (1m)1.01%
EPS NY rev (3m)0.6%
Revenue NQ rev (1m)1.37%
Revenue NQ rev (3m)-5.61%
Revenue NY rev (1m)2.81%
Revenue NY rev (3m)-2.06%
Valuation
Industry RankSector Rank
PE 7.2
Fwd PE 7.17
P/S 1.22
P/FCF 2.36
P/OCF 2.36
P/B 1.39
P/tB 1.64
EV/EBITDA N/A
EPS(TTM)8.06
EY13.89%
EPS(NY)8.1
Fwd EY13.95%
FCF(TTM)24.59
FCFY42.39%
OCF(TTM)24.59
OCFY42.39%
SpS47.39
BVpS41.85
TBVpS35.32
PEG (NY)16.93
PEG (5Y)0.23
Graham Number87.12
Profitability
Industry RankSector Rank
ROA 2.91%
ROE 20.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.27%
GM N/A
FCFM 51.89%
ROA(3y)2.55%
ROA(5y)2.97%
ROE(3y)19.05%
ROE(5y)22.17%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.56%
PM growth 5Y15.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.91
Debt/FCF 1.54
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 283.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.38%
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)320.88%
Profit Quality(5y)271.52%
High Growth Momentum
Growth
EPS 1Y (TTM)8.78%
EPS 3Y15.05%
EPS 5Y31.31%
EPS Q2Q%6.81%
EPS Next Y0.43%
EPS Next 2Y5.94%
EPS Next 3Y7.71%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.8%
Revenue growth 3Y5.86%
Revenue growth 5Y5.1%
Sales Q2Q%0.87%
Revenue Next Year-0.73%
Revenue Next 2Y2.07%
Revenue Next 3Y1.61%
Revenue Next 5Y-2.19%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-62.1%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y0.03%
FCF growth 3Y13.74%
FCF growth 5Y5.64%
OCF growth 1Y0.03%
OCF growth 3Y13.74%
OCF growth 5Y5.64%

SYNCHRONY FINANCIAL / SFE.DE Fundamental Analysis FAQ

What is the fundamental rating for SFE stock?

ChartMill assigns a fundamental rating of 4 / 10 to SFE.DE.


What is the valuation status for SFE stock?

ChartMill assigns a valuation rating of 6 / 10 to SYNCHRONY FINANCIAL (SFE.DE). This can be considered as Fairly Valued.


Can you provide the profitability details for SYNCHRONY FINANCIAL?

SYNCHRONY FINANCIAL (SFE.DE) has a profitability rating of 4 / 10.


What are the PE and PB ratios of SYNCHRONY FINANCIAL (SFE.DE) stock?

The Price/Earnings (PE) ratio for SYNCHRONY FINANCIAL (SFE.DE) is 7.2 and the Price/Book (PB) ratio is 1.39.


What is the financial health of SYNCHRONY FINANCIAL (SFE.DE) stock?

The financial health rating of SYNCHRONY FINANCIAL (SFE.DE) is 4 / 10.