Our top pick for
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Synchrony Financial is a credit services business based in the US. Synchrony Financial shares (SYF) are listed on the NYSE and all prices are listed in US Dollars. Synchrony Financial employs 16,500 staff and has a trailing 12-month revenue of around USD$6.9 billion.
Since the stock market crash in March caused by coronavirus, Synchrony Financial's share price has had significant negative movement.
Its last market close was USD$29.38, which is 11.85% down on its pre-crash value of USD$33.33 and 141.81% up on the lowest point reached during the March crash when the shares fell as low as USD$12.15.
If you had bought USD$1,000 worth of Synchrony Financial shares at the start of February 2020, those shares would have been worth USD$394.88 at the bottom of the March crash, and if you held on to them, then as of the last market close they'd be worth USD$906.37.
|Latest market close||USD$29.38|
|52-week range||USD$12.15 - USD$38.18|
|50-day moving average||USD$26.7989|
|200-day moving average||USD$22.6309|
|Wall St. target price||USD$31.03|
|Dividend yield||USD$0.88 (3%)|
|Earnings per share (TTM)||USD$3.363|
The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
|1 week (2020-11-14)||N/A|
|1 month (2020-10-23)||5.87%|
|3 months (2020-08-25)||17.99%|
|6 months (2020-05-21)||62.05%|
|1 year (2019-11-21)||-20.10%|
|2 years (2018-11-21)||14.50%|
|3 years (2017-11-21)||-13.00%|
|5 years (2015-11-21)||N/A|
Valuing Synchrony Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Synchrony Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Synchrony Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 9x. In other words, Synchrony Financial shares trade at around 9x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Synchrony Financial's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.5147. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Synchrony Financial's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
|Revenue TTM||USD$6.9 billion|
|Operating margin TTM||44.13%|
|Gross profit TTM||USD$9.1 billion|
|Return on assets TTM||2.09%|
|Return on equity TTM||15.93%|
|Market capitalisation||USD$17 billion|
TTM: trailing 12 months
There are currently 14.5 million Synchrony Financial shares held short by investors – that's known as Synchrony Financial's "short interest". This figure is 7.9% down from 15.7 million last month.
There are a few different ways that this level of interest in shorting Synchrony Financial shares can be evaluated.
Synchrony Financial's "short interest ratio" (SIR) is the quantity of Synchrony Financial shares currently shorted divided by the average quantity of Synchrony Financial shares traded daily (recently around 5.3 million). Synchrony Financial's SIR currently stands at 2.75. In other words for every 100,000 Synchrony Financial shares traded daily on the market, roughly 2750 shares are currently held short.
However Synchrony Financial's short interest can also be evaluated against the total number of Synchrony Financial shares, or, against the total number of tradable Synchrony Financial shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Synchrony Financial's short interest could be expressed as 0.02% of the outstanding shares (for every 100,000 Synchrony Financial shares in existence, roughly 20 shares are currently held short) or 0.0249% of the tradable shares (for every 100,000 tradable Synchrony Financial shares, roughly 25 shares are currently held short).
Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Synchrony Financial.
Find out more about how you can short Synchrony Financial stock.
Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Synchrony Financial.
When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.
Total ESG risk: 19.4
Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Synchrony Financial's overall score of 19.4 (as at 10/01/2020) is pretty good – landing it in it in the 22nd percentile of companies rated in the same sector.
ESG scores are increasingly used to estimate the level of risk a company like Synchrony Financial is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).
Environmental score: 2.14/100
Synchrony Financial's environmental score of 2.14 puts it squarely in the 4th percentile of companies rated in the same sector. This could suggest that Synchrony Financial is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.
Social score: 15.13/100
Synchrony Financial's social score of 15.13 puts it squarely in the 4th percentile of companies rated in the same sector. This could suggest that Synchrony Financial is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.
Governance score: 9.63/100
Synchrony Financial's governance score puts it squarely in the 4th percentile of companies rated in the same sector. That could suggest that Synchrony Financial is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.
Controversy score: 2/5
ESG scores also evaluate any incidences of controversy that a company has been involved in. Synchrony Financial scored a 2 out of 5 for controversy – the second-highest score possible, reflecting that Synchrony Financial has, for the most part, managed to keep its nose clean.
|Total ESG score||19.4|
|Total ESG percentile||21.74|
|Environmental score percentile||4|
|Social score percentile||4|
|Governance score percentile||4|
|Level of controversy||2|
Dividend payout ratio: 31.1% of net profits
Recently Synchrony Financial has paid out, on average, around 31.1% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Synchrony Financial shareholders could enjoy a 3% return on their shares, in the form of dividend payments. In Synchrony Financial's case, that would currently equate to about $0.88 per share.
While Synchrony Financial's payout ratio might seem fairly standard, it's worth remembering that Synchrony Financial may be investing much of the rest of its net profits in future growth.
Synchrony Financial's most recent dividend payout was on 13 August 2020. The latest dividend was paid out to all shareholders who bought their shares by 31 July 2020 (the "ex-dividend date").
Over the last 12 months, Synchrony Financial's shares have ranged in value from as little as $12.15 up to $38.18. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Synchrony Financial's is 1.6371. This would suggest that Synchrony Financial's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).
Synchrony Financial operates as a consumer financial services company in the United States. It delivers a range of specialized financing programs and consumer banking products to digital, retail, home, auto, travel, health, and pet industries. The company also offers private label credit cards, dual cards, general purpose co-branded credit cards, and small and medium-sized business credit products; and promotional financing for consumer purchases, such as private label credit cards and installment loans. In addition, it provides promotional financing to consumers for health, veterinary and personal care procedures, and services and products, such as dental, vision, audiology, and cosmetic; debt cancellation products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. Synchrony Financial was incorporated in 2003 and is headquartered in Stamford, Connecticut.
Everything we know about the NewRez IPO, plus information on how to buy in.
Everything we know about the Perella Weinberg IPO, plus information on how to buy in.
Everything we know about the Nanobiotix IPO, plus information on how to buy in.
Everything we know about the Diversey IPO, plus information on how to buy in.
Everything we know about the Certara IPO, plus information on how to buy in.
Everything we know about the Arrival IPO, plus information on how to buy in.
Everything we know about the iSpecimen IPO, plus information on how to buy in.
Everything we know about the IDEX Biometrics ASA IPO, plus information on how to buy in.
Steps to owning and managing MYSZ, with 24-hour and historical pricing before you buy.
Steps to owning and managing MG, with 24-hour and historical pricing before you buy.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.