SYNCHRONY FINANCIAL (SFE.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:SFE - US87165B1035 - Common Stock
66.58 EUR
+0.62 (+0.94%)
Overall SFE gets a fundamental rating of 4 out of 10. We evaluated SFE against 9 industry peers in the Consumer Finance industry. SFE has an average financial health and profitability rating. SFE has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year SFE was profitable.
In the past year SFE had a positive cash flow from operations.
In the past 5 years SFE has always been profitable.
Each year in the past 5 years SFE had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.99%, SFE is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
Looking at the Return On Equity, with a value of 20.46%, SFE is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.99% | ||
| ROE | 20.46% | ||
| 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
SFE has a better Profit Margin (18.56%) than 88.89% of its industry peers.
In the last couple of years the Profit Margin of SFE has declined.
SFE 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) | 18.56% | ||
| 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
2. Health
2.1 Basic Checks
SFE does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SFE has been reduced compared to 1 year ago.
The number of shares outstanding for SFE has been reduced compared to 5 years ago.
SFE has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SFE is 1.48, which is an excellent value as it means it would take SFE, only 1.48 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of SFE (1.48) is better than 100.00% of its industry peers.
SFE has a Debt/Equity ratio of 0.85. This is a neutral value indicating SFE is somewhat dependend on debt financing.
The Debt to Equity ratio of SFE (0.85) is better than 77.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 1.48 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.58% over the past year.
Measured over the past years, SFE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.76% on average per year.
Looking at the last year, SFE shows a decrease in Revenue. The Revenue has decreased by -2.74% in the last year.
SFE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.61% yearly.
EPS 1Y (TTM)19.58%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%47.42%
Revenue 1Y (TTM)-2.74%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%-0.17%
3.2 Future
The Earnings Per Share is expected to grow by 6.88% on average over the next years.
The Revenue is expected to decrease by -0.35% on average over the next years.
EPS Next Y10.11%
EPS Next 2Y4.79%
EPS Next 3Y6.88%
EPS Next 5YN/A
Revenue Next Year0.8%
Revenue Next 2Y2.27%
Revenue Next 3Y2.03%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.41 indicates a reasonable valuation of SFE.
Compared to the rest of the industry, the Price/Earnings ratio of SFE indicates a rather cheap valuation: SFE is cheaper than 88.89% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.11, SFE is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.21, the valuation of SFE can be described as reasonable.
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 (36.21), we can say SFE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.41 | ||
| Fwd PE | 8.21 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SFE is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.83
PEG (5Y)0.57
EPS Next 2Y4.79%
EPS Next 3Y6.88%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.56%, SFE has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.75, SFE pays a bit more dividend than its industry peers.
Compared to the average S&P500 Dividend Yield of 2.32, SFE is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.56% |
5.2 History
The dividend of SFE is nicely growing with an annual growth rate of 6.31%!
Dividend Growth(5Y)6.31%
Div Incr Years2
Div Non Decr Years3
5.3 Sustainability
SFE pays out 14.35% of its income as dividend. This is a sustainable payout ratio.
The dividend of SFE is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP14.35%
EPS Next 2Y4.79%
EPS Next 3Y6.88%
FRA:SFE (11/26/2025, 7:00:00 PM)
66.58
+0.62 (+0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners104.86%
Inst Owner ChangeN/A
Ins Owners0.28%
Ins Owner ChangeN/A
Market Cap23.98B
Revenue(TTM)18.82B
Net Income(TTM)3.49B
Analysts78.52
Price Target73.69 (10.68%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.56% |
Yearly Dividend1.02
Dividend Growth(5Y)6.31%
DP14.35%
Div Incr Years2
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)34.51%
Min EPS beat(2)27.28%
Max EPS beat(2)41.74%
EPS beat(4)3
Avg EPS beat(4)19.72%
Min EPS beat(4)-2.01%
Max EPS beat(4)41.74%
EPS beat(8)7
Avg EPS beat(8)29.91%
EPS beat(12)10
Avg EPS beat(12)20.91%
EPS beat(16)13
Avg EPS beat(16)17.52%
Revenue beat(2)1
Avg Revenue beat(2)0.12%
Min Revenue beat(2)-0.4%
Max Revenue beat(2)0.65%
Revenue beat(4)3
Avg Revenue beat(4)1.04%
Min Revenue beat(4)-0.4%
Max Revenue beat(4)3.65%
Revenue beat(8)7
Avg Revenue beat(8)4.32%
Revenue beat(12)10
Avg Revenue beat(12)3.15%
Revenue beat(16)14
Avg Revenue beat(16)3.6%
PT rev (1m)71.42%
PT rev (3m)71.42%
EPS NQ rev (1m)29.07%
EPS NQ rev (3m)29.07%
EPS NY rev (1m)55.53%
EPS NY rev (3m)55.53%
Revenue NQ rev (1m)-3.31%
Revenue NQ rev (3m)-3.31%
Revenue NY rev (1m)-6.39%
Revenue NY rev (3m)-6.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.41 | ||
| Fwd PE | 8.21 | ||
| P/S | 1.47 | ||
| P/FCF | 2.84 | ||
| P/OCF | 2.84 | ||
| P/B | 1.63 | ||
| P/tB | 1.86 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.92
EY11.9%
EPS(NY)8.11
Fwd EY12.18%
FCF(TTM)23.41
FCFY35.15%
OCF(TTM)23.41
OCFY35.15%
SpS45.18
BVpS40.97
TBVpS35.72
PEG (NY)0.83
PEG (5Y)0.57
Graham Number85.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.99% | ||
| ROE | 20.46% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 18.56% | ||
| GM | N/A | ||
| FCFM | 51.81% |
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
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-14.82%
PM growth 5Y-4.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.16
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 1.48 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 279.21% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.67%
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)19.58%
EPS 3Y5.22%
EPS 5Y14.76%
EPS Q2Q%47.42%
EPS Next Y10.11%
EPS Next 2Y4.79%
EPS Next 3Y6.88%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.74%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%-0.17%
Revenue Next Year0.8%
Revenue Next 2Y2.27%
Revenue Next 3Y2.03%
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 1Y20.03%
FCF growth 3Y11.53%
FCF growth 5Y1.84%
OCF growth 1Y20.03%
OCF growth 3Y11.53%
OCF growth 5Y1.84%
SYNCHRONY FINANCIAL / SFE.DE FAQ
What is the fundamental rating for SFE stock?
ChartMill assigns a fundamental rating of 4 / 10 to SFE.DE.
Can you provide the valuation status for SYNCHRONY FINANCIAL?
ChartMill assigns a valuation rating of 6 / 10 to SYNCHRONY FINANCIAL (SFE.DE). This can be considered as Fairly Valued.
How profitable is SYNCHRONY FINANCIAL (SFE.DE) stock?
SYNCHRONY FINANCIAL (SFE.DE) has a profitability rating of 4 / 10.
What is the valuation of SYNCHRONY FINANCIAL based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SYNCHRONY FINANCIAL (SFE.DE) is 8.41 and the Price/Book (PB) ratio is 1.63.
What is the earnings growth outlook for SYNCHRONY FINANCIAL?
The Earnings per Share (EPS) of SYNCHRONY FINANCIAL (SFE.DE) is expected to grow by 10.11% in the next year.