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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 18,500 staff and has a trailing 12-month revenue of around $8.3 billion.
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| Latest market close | $28.49 |
|---|---|
| 52-week range | $26.69 - $40.83 |
| 50-day moving average | $34.70 |
| 200-day moving average | $33.43 |
| Wall St. target price | $39.22 |
| PE ratio | 4.8628 |
| Dividend yield | $0.9 (3.02%) |
| Earnings per share (TTM) | $5.83 |
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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.
Historical closes compared with the close of $28.49 from 2023-03-17
| 1 week (2023-03-09) | -14.26% |
|---|---|
| 1 month (2023-02-16) | N/A |
| 3 months (2022-12-20) | -12.74% |
| 6 months (2022-09-19) | -12.90% |
| 1 year (2022-03-16) | -24.37% |
|---|---|
| 2 years (2021-03-19) | -30.12% |
| 3 years (2020-03-20) | 124.41% |
| 5 years (2018-03-20) | 31.0447 |
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 5x. In other words, Synchrony Financial shares trade at around 5x 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 0.4611. 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 | $8.3 billion |
|---|---|
| Operating margin TTM | 49.83% |
| Gross profit TTM | $8.3 billion |
| Return on assets TTM | 3.01% |
| Return on equity TTM | 22.74% |
| Profit margin | 36.34% |
| Book value | $27.70 |
| Market capitalisation | $12.4 billion |
TTM: trailing 12 months
Dividend payout ratio: 14.92% of net profits
Recently Synchrony Financial has paid out, on average, around 14.92% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.02% 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 3.02% return on their shares, in the form of dividend payments. In Synchrony Financial's case, that would currently equate to about $0.9 per share.
While Synchrony Financial's payout ratio might seem low, this can signify that Synchrony Financial is investing more in its future growth.
Synchrony Financial's most recent dividend payout was on 16 February 2023. The latest dividend was paid out to all shareholders who bought their shares by 2 February 2023 (the "ex-dividend date").
Over the last 12 months, Synchrony Financial's shares have ranged in value from as little as $26.6878 up to $40.8267. 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 1.6194. 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, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking 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. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; and healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries. 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. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
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