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About the company
Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. The Company primarily offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). It primarily manages its credit products through five sales platforms (Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle). The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.
- Revenue in USD (TTM)22.48bn
- Net income in USD3.10bn
- Incorporated2003
- Employees20.00k
- LocationSynchrony Financial777 Long Ridge RdSTAMFORD 06902-1250United StatesUSA
- Phone+1 (203) 585-6730
- Fax+1 (302) 655-5049
- Websitehttps://www.synchrony.com/
Mergers & acquisitions
| Acquired company | SYF:NYQ since announced | Transaction value |
|---|---|---|
| Ally Lending | 82.11% | 154.00m |
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SLM Corp | 2.63bn | 646.56m | 5.28bn | 1.74k | 8.64 | 2.80 | 7.26 | 2.78 | 2.88 | 2.88 | 8.57 | 10.05 | -- | -- | -- | -- | 2.24 | 2.46 | -- | -- | -- | -- | 34.97 | 40.14 | -- | -- | -- | 10.30 | 27.60 | 6.02 | 22.54 | 6.69 | -- | -- |
| Credit Acceptance Corp. | 2.09bn | 189.60m | 5.57bn | 2.23k | 30.90 | 3.38 | 25.65 | 2.67 | 14.89 | 14.89 | 166.45 | 135.94 | 0.2597 | -- | 102.86 | 935,528.70 | 2.36 | 7.98 | 2.46 | 9.14 | -- | -- | 9.08 | 32.66 | -- | 1.72 | 0.7915 | 0.00 | 3.79 | 8.14 | -46.60 | -13.00 | -30.74 | -- |
| Mr Cooper Group Inc | 1.98bn | 511.00m | 6.29bn | 6.80k | 12.70 | 1.36 | 11.52 | 3.19 | 7.74 | 7.74 | 29.85 | 72.47 | 0.1334 | -- | -- | 290,441.20 | 3.45 | 4.06 | 3.96 | 5.35 | -- | -- | 25.87 | 28.31 | -- | -- | 0.6882 | 0.00 | -27.19 | 0.0447 | -45.83 | -13.46 | -1.12 | -- |
| Upstart Holdings Inc | 557.88m | -168.22m | 6.52bn | 1.39k | -- | 10.91 | -- | 11.68 | -1.93 | -1.93 | 6.46 | 6.54 | 0.2928 | -- | 12.79 | 401,928.00 | -8.83 | -3.57 | -10.65 | -4.49 | 72.48 | 80.07 | -30.15 | -8.18 | -- | -45.82 | 0.5984 | -- | -39.04 | 38.90 | -120.98 | -- | 63.20 | -- |
| OneMain Holdings Inc | 5.60bn | 548.00m | 6.63bn | 9.10k | 12.19 | 2.07 | 8.08 | 1.18 | 4.56 | 4.56 | 46.58 | 26.87 | 0.2252 | -- | 414.67 | 615,164.80 | 2.20 | 3.94 | 2.20 | 3.97 | 79.55 | 80.68 | 9.79 | 17.59 | -- | -- | 0.8682 | 78.40 | 4.09 | 4.56 | -26.49 | 7.48 | -- | -- |
| UWM Holdings Corp | 2.47bn | -21.59m | 9.62bn | 6.70k | -- | 80.60 | -- | 3.89 | -0.2309 | -0.2309 | 5.24 | 0.0747 | 0.181 | -- | 28.64 | 369,159.00 | -1.26 | 10.09 | -1.68 | 12.33 | 88.92 | 93.83 | -6.96 | 44.39 | -- | 0.8764 | 0.8463 | 1.90 | 3.68 | 29.56 | -131.72 | -- | -13.08 | -- |
| Ally Financial Inc | 14.32bn | 775.00m | 11.33bn | 11.10k | 14.87 | 0.9138 | 5.60 | 1.26 | 2.50 | 2.50 | 28.99 | 48.32 | -- | -- | -- | -- | 0.4554 | 0.9312 | -- | -- | -- | -- | 9.88 | 20.44 | -- | -- | -- | 19.77 | 31.42 | 9.05 | -43.18 | -5.96 | -5.75 | 16.47 |
| SoFi Technologies Inc | 2.71bn | 184.39m | 16.29bn | 4.40k | 85.07 | 2.66 | 42.00 | 6.37 | 0.1764 | 0.1764 | 2.45 | 5.65 | -- | -- | -- | -- | 0.6867 | -- | -- | -- | -- | -- | 8.38 | -27.57 | -- | -- | -- | -- | 165.21 | 28.32 | 5.45 | -- | 54.58 | -- |
| Synchrony Financial | 22.48bn | 3.10bn | 25.36bn | 20.00k | 8.50 | 1.72 | 7.08 | 1.31 | 7.66 | 7.66 | 47.72 | 41.06 | -- | -- | -- | -- | 2.73 | 2.85 | -- | -- | -- | -- | 16.36 | 18.26 | -- | -- | -- | 16.91 | 20.79 | 2.86 | -26.16 | -4.68 | -- | 4.67 |
| Capital One Financial Corp. | 45.46bn | 4.06bn | 69.68bn | 52.50k | 17.24 | 1.20 | 9.48 | 1.81 | 10.59 | 10.59 | 100.22 | 164.94 | -- | -- | -- | -- | 0.9104 | 1.55 | -- | -- | -- | -- | 11.35 | 20.74 | -- | -- | -- | 17.50 | 34.26 | 9.06 | -34.95 | -4.34 | 1.92 | 8.45 |
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 30 Sep 2024 | 47.72m | 12.26% |
| Capital Research & Management Co. (World Investors)as of 30 Sep 2024 | 43.13m | 11.08% |
| BlackRock Fund Advisorsas of 30 Sep 2024 | 21.08m | 5.41% |
| SSgA Funds Management, Inc.as of 30 Sep 2024 | 18.25m | 4.69% |
| Geode Capital Management LLCas of 30 Sep 2024 | 9.76m | 2.51% |
| Managed Account Advisors LLCas of 30 Sep 2024 | 8.89m | 2.28% |
| PAR Capital Management, Inc.as of 30 Sep 2024 | 8.40m | 2.16% |
| Arrowstreet Capital LPas of 30 Sep 2024 | 8.09m | 2.08% |
| First Trust Advisors LPas of 30 Sep 2024 | 7.05m | 1.81% |
| Boston Partners Global Investors, Inc.as of 30 Sep 2024 | 6.40m | 1.64% |
