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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)21.49bn
- Net income in USD2.89bn
- 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 | 22.84% | 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Affirm Holdings Inc | 1.95bn | -678.58m | 9.90bn | 2.17k | -- | 3.76 | -- | 5.07 | -2.22 | -2.22 | 6.37 | 8.50 | 0.2334 | -- | 9.09 | 898,269.40 | -8.12 | -- | -8.36 | -- | -- | -- | -34.80 | -- | -- | -1.47 | 0.704 | -- | 21.41 | -- | -39.29 | -- | -- | -- |
| UWM Holdings Corp | 2.25bn | 7.44m | 11.10bn | 6.70k | 161.63 | 5.78 | 37.11 | 4.93 | 0.043 | 0.043 | 4.80 | 1.20 | 0.1897 | -- | 18.04 | 336,184.00 | 2.10 | 10.09 | 2.93 | 12.33 | 89.15 | 93.83 | 11.07 | 44.39 | -- | 1.28 | 0.7957 | 1.90 | 3.68 | 29.56 | -131.72 | -- | -13.08 | -- |
| Ally Financial Inc | 14.25bn | 749.00m | 12.06bn | 11.10k | 16.19 | 1.06 | 5.92 | 1.35 | 2.45 | 2.45 | 29.17 | 44.93 | -- | -- | -- | -- | 0.4416 | 0.9312 | -- | -- | -- | -- | 9.61 | 20.44 | -- | -- | -- | 19.77 | 31.42 | 9.05 | -43.18 | -5.96 | -5.75 | 16.47 |
| Synchrony Financial | 21.49bn | 2.89bn | 18.03bn | 20.00k | 6.44 | 1.28 | 5.38 | 0.9626 | 6.97 | 6.97 | 45.00 | 38.07 | -- | -- | -- | -- | 2.56 | 2.85 | -- | -- | -- | -- | 15.64 | 18.26 | -- | -- | -- | 16.91 | 20.79 | 2.86 | -26.16 | -4.68 | -- | 4.67 |
| Corpay Inc | 3.79bn | 996.82m | 20.20bn | 10.50k | 21.38 | 6.31 | 15.15 | 5.33 | 13.45 | 13.45 | 51.15 | 45.54 | 0.2493 | -- | 1.60 | 361,108.30 | 6.55 | 6.81 | 11.57 | 11.26 | 78.31 | 78.27 | 26.29 | 29.06 | -- | 4.50 | 0.6733 | 0.00 | 9.65 | 9.08 | 2.89 | 3.27 | 13.58 | -- |
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Mar 2024 | 49.10m | 12.07% |
| Capital Research & Management Co. (World Investors)as of 31 Dec 2023 | 44.53m | 10.95% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 21.18m | 5.21% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 18.72m | 4.60% |
| Managed Account Advisors LLCas of 31 Dec 2023 | 17.93m | 4.41% |
| Geode Capital Management LLCas of 31 Dec 2023 | 9.39m | 2.31% |
| PAR Capital Management, Inc.as of 31 Dec 2023 | 8.40m | 2.07% |
| Arrowstreet Capital LPas of 31 Dec 2023 | 7.21m | 1.77% |
| First Trust Advisors LPas of 31 Dec 2023 | 6.91m | 1.70% |
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 6.37m | 1.57% |
