SYNCHRONY FINANCIAL (SFE.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:SFE - US87165B1035 - Common Stock
70.85 EUR
-0.06 (-0.08%)
Taking everything into account, SFE scores 4 out of 10 in our fundamental rating. SFE was compared to 9 industry peers in the Consumer Finance industry. SFE has only an average score on both its financial health and profitability. SFE is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year SFE was profitable.
SFE had a positive operating cash flow in the past year.
Each year in the past 5 years SFE has been profitable.
Each year in the past 5 years SFE had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 2.99%, SFE is doing good in the industry, outperforming 77.78% of the companies in the same industry.
The Return On Equity of SFE (20.46%) is better than 88.89% of its industry peers.
| 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
With an excellent Profit Margin value of 18.56%, SFE belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
SFE's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for SFE so they could not be analyzed.
| 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.
SFE has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, SFE has an improved debt to assets ratio.
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.
SFE has a Debt to FCF ratio of 1.48. This is amongst the best in the industry. SFE outperforms 88.89% 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.
SFE's Debt to Equity ratio of 0.85 is fine compared to the rest of the industry. SFE outperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 1.48 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SFE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.58%, which is quite good.
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.
Measured over the past years, SFE shows a small growth in Revenue. The Revenue has been growing by 2.61% on average per year.
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 6.35% on average over the next years.
SFE is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.35% yearly.
EPS Next Y9.44%
EPS Next 2Y4.21%
EPS Next 3Y6.35%
EPS Next 5YN/A
Revenue Next Year0.68%
Revenue Next 2Y1.63%
Revenue Next 3Y2.64%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.12, which indicates a very decent valuation of SFE.
Based on the Price/Earnings ratio, SFE is valued a bit cheaper than 77.78% of the companies in the same industry.
When comparing the Price/Earnings ratio of SFE to the average of the S&P500 Index (26.57), we can say SFE is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.01, 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 66.67% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 24.04. SFE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.12 | ||
| Fwd PE | 9.01 |
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 | 3.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SFE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.97
PEG (5Y)0.62
EPS Next 2Y4.21%
EPS Next 3Y6.35%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.43%, SFE has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 1.73, SFE pays a bit more dividend than its industry peers.
Compared to the average S&P500 Dividend Yield of 1.88, SFE is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.43% |
5.2 History
On average, the dividend of SFE grows each year by 6.31%, which is quite nice.
Dividend Growth(5Y)6.31%
Div Incr Years2
Div Non Decr Years3
5.3 Sustainability
14.35% of the earnings are spent on dividend by SFE. This is a low number and sustainable payout ratio.
SFE's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP14.35%
EPS Next 2Y4.21%
EPS Next 3Y6.35%
FRA:SFE (12/17/2025, 7:00:00 PM)
70.85
-0.06 (-0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners106.13%
Inst Owner ChangeN/A
Ins Owners0.28%
Ins Owner ChangeN/A
Market Cap25.52B
Revenue(TTM)18.82B
Net Income(TTM)3.49B
Analysts78.52
Price Target73 (3.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.43% |
Yearly Dividend1.01
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)69.82%
PT rev (3m)69.82%
EPS NQ rev (1m)27.75%
EPS NQ rev (3m)27.75%
EPS NY rev (1m)54.59%
EPS NY rev (3m)54.59%
Revenue NQ rev (1m)-4.73%
Revenue NQ rev (3m)-4.73%
Revenue NY rev (1m)-6.5%
Revenue NY rev (3m)-6.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.12 | ||
| Fwd PE | 9.01 | ||
| P/S | 1.6 | ||
| P/FCF | 3.08 | ||
| P/OCF | 3.08 | ||
| P/B | 1.76 | ||
| P/tB | 2.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.77
EY10.97%
EPS(NY)7.87
Fwd EY11.1%
FCF(TTM)22.97
FCFY32.42%
OCF(TTM)22.97
OCFY32.42%
SpS44.33
BVpS40.2
TBVpS35.06
PEG (NY)0.97
PEG (5Y)0.62
Graham Number83.83
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
WACC16.36%
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 Y9.44%
EPS Next 2Y4.21%
EPS Next 3Y6.35%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.74%
Revenue growth 3Y9.89%
Revenue growth 5Y2.61%
Sales Q2Q%-0.17%
Revenue Next Year0.68%
Revenue Next 2Y1.63%
Revenue Next 3Y2.64%
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 9.12 and the Price/Book (PB) ratio is 1.76.
What is the earnings growth outlook for SYNCHRONY FINANCIAL?
The Earnings per Share (EPS) of SYNCHRONY FINANCIAL (SFE.DE) is expected to grow by 9.44% in the next year.