SYF - Synchrony Financial
Price:
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--
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CONSENSUS:
Buy
DETAILS
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PRICE TARGET:
$91.40
DETAILS
HIGH:
$101.00
LOW:
$81.00
MEDIAN:
$91.50
CONSENSUS:
$91.40
UPSIDE:
13.98%
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||
| Revenue | 20,759.0 | 17,338.0 | 13,195.0 | 11,224.0 | 12,827.0 | 15,603.0 | 15,154.0 | 13,758.0 | 12,220.0 | 10,882.0 |
| Cost of Revenue | 11,367.0 | 9,676.0 | 4,896.0 | 1,758.0 | 6,975.0 | 6,471.0 | 7,415.0 | 6,687.0 | 5,234.0 | 4,087.0 |
| Gross Profit | 9,392.0 | 7,662.0 | 8,299.0 | 9,466.0 | 5,852.0 | 9,132.0 | 7,739.0 | 7,071.0 | 6,986.0 | 6,795.0 |
| Operating Expenses | ||||||||||
| R&D Expenses | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| SG&A Expenses | 2,353.0 | 2,411.0 | 2,168.0 | 1,987.0 | 1,828.0 | 2,004.0 | 1,955.0 | 1,802.0 | 1,621.0 | 1,475.0 |
| Other Expenses | 2,486.0 | 2,347.0 | 2,169.0 | 1,976.0 | 2,227.0 | 2,241.0 | 2,140.0 | 1,945.0 | 1,795.0 | 1,789.0 |
| Operating Expenses | 4,839.0 | 4,758.0 | 4,337.0 | 3,963.0 | 4,055.0 | 4,245.0 | 4,095.0 | 3,747.0 | 3,416.0 | 3,264.0 |
| Operating Income | ||||||||||
| Operating Income | 4,553.0 | 2,904.0 | 3,962.0 | 5,503.0 | 1,797.0 | 4,887.0 | 3,644.0 | 3,324.0 | 3,570.0 | 3,531.0 |
| Interest Expense | 4,634.0 | 3,711.0 | 1,521.0 | 1,032.0 | 1,665.0 | 2,291.0 | 1,870.0 | 1,391.0 | 1,248.0 | 1,135.0 |
| Interest Income | 22,645.0 | 20,710.0 | 17,146.0 | 15,271.0 | 16,067.0 | 19,090.0 | 17,988.0 | 16,407.0 | 14,778.0 | 13,228.0 |
| Profitability | ||||||||||
| EBITDA | 5,034.0 | 3,362.0 | 4,381.0 | 5,893.0 | 2,180.0 | 5,254.0 | 3,946.0 | 3,578.0 | 3,789.0 | 3,705.0 |
| EBIT | 4,553.0 | 2,904.0 | 3,962.0 | 5,503.0 | 1,797.0 | 4,887.0 | 3,644.0 | 3,324.0 | 3,570.0 | 3,531.0 |
| Income Before Tax | 4,553.0 | 2,904.0 | 3,962.0 | 5,503.0 | 1,797.0 | 4,887.0 | 3,644.0 | 3,324.0 | 3,570.0 | 3,531.0 |
| Income Tax Expense | 1,054.0 | 666.0 | 946.0 | 1,282.0 | 412.0 | 1,140.0 | 854.0 | 1,389.0 | 1,319.0 | 1,317.0 |
| Net Income | 3,499.0 | 2,238.0 | 3,016.0 | 4,221.0 | 1,385.0 | 3,747.0 | 2,790.0 | 1,935.0 | 2,251.0 | 2,214.0 |
| Per Share Data | ||||||||||
| EPS (Basic) | 8.64 | 5.21 | 6.19 | 7.40 | 2.28 | 5.59 | 3.76 | 2.43 | 2.71 | 2.66 |
| EPS (Diluted) | 8.55 | 5.19 | 6.15 | 7.34 | 2.27 | 5.56 | 3.74 | 2.42 | 2.71 | 2.65 |
| Shares Outstanding | 396.5 | 421.2 | 480.4 | 564.6 | 589.0 | 670.2 | 742.3 | 795.6 | 829.2 | 833.8 |
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 14,711.0 | 14,259.0 | 10,294.0 | 8,337.0 | 11,524.0 | 12,147.0 | 9,396.0 | 11,602.0 | 9,321.0 | 12,325.0 |
| Short-Term Investments | 3,079.0 | 3,799.0 | 4,879.0 | 5,283.0 | 7,469.0 | 5,911.0 | 6,062.0 | 4,473.0 | 5,095.0 | 3,127.0 |
| Net Receivables | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Other Current Assets | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Total Current Assets | 17,790.0 | 18,058.0 | 15,173.0 | 13,620.0 | 18,993.0 | 18,058.0 | 15,458.0 | 16,075.0 | 14,416.0 | 15,452.0 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Goodwill | 1,274.0 | 1,018.0 | 1,105.0 | 1,105.0 | 1,078.0 | 1,078.0 | 1,024.0 | 991.0 | 949.0 | 949.0 |
| Intangible Assets | 854.0 | 815.0 | 742.0 | 1,168.0 | 1,125.0 | 1,265.0 | 1,137.0 | 749.0 | 712.0 | 701.0 |
| Long-Term Investments | 104,721.0 | 103,244.0 | 92,470.0 | 85,101.0 | 81,872.0 | 87,940.0 | 93,139.0 | 81,947.0 | 76,352.0 | 68,305.0 |
| Other Non-Current Assets | (5,176.0) | (5,656.0) | (4,926.0) | (5,246.0) | (7,120.0) | (3,515.0) | (3,966.0) | (3,954.0) | (2,222.0) | (1,417.0) |
| Total Non-Current Assets | 101,673.0 | 99,421.0 | 89,391.0 | 82,128.0 | 76,955.0 | 86,768.0 | 91,334.0 | 79,733.0 | 75,791.0 | 68,538.0 |
| Total Assets | 119,463.0 | 117,479.0 | 104,564.0 | 95,748.0 | 95,948.0 | 104,826.0 | 106,792.0 | 95,808.0 | 90,207.0 | 83,990.0 |
| Current Liabilities | ||||||||||
| Account Payables | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Short-Term Debt | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Deferred Revenue | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Other Current Liabilities | 82,062.0 | 81,153.0 | 71,735.0 | 62,270.0 | 62,782.0 | 65,154.0 | 64,019.0 | 56,488.0 | 52,055.0 | 43,367.0 |
| Total Current Liabilities | 82,062.0 | 81,153.0 | 77,500.0 | 67,586.0 | 67,472.0 | 69,872.0 | 68,118.0 | 60,775.0 | 55,864.0 | 47,107.0 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 15,462.0 | 15,982.0 | 14,191.0 | 14,507.0 | 15,775.0 | 19,866.0 | 23,996.0 | 20,799.0 | 20,147.0 | 24,279.0 |
| Deferred Tax Liabilities | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Other Non-Current Liabilities | 5,359.0 | 6,441.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Total Non-Current Liabilities | 20,821.0 | 22,423.0 | 14,191.0 | 14,507.0 | 15,775.0 | 19,866.0 | 23,996.0 | 20,799.0 | 20,147.0 | 24,279.0 |
| Total Liabilities | 102,883.0 | 103,576.0 | 91,691.0 | 82,093.0 | 83,247.0 | 89,738.0 | 92,114.0 | 81,574.0 | 76,011.0 | 71,386.0 |
| Stockholders' Equity | ||||||||||
| Common Stock | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| Retained Earnings | 21,635.0 | 18,662.0 | 16,716.0 | 14,245.0 | 10,621.0 | 12,117.0 | 8,986.0 | 6,809.0 | 5,330.0 | 3,293.0 |
| Accumulated Other Comprehensive Income | (59.0) | (68.0) | (125.0) | (69.0) | (51.0) | (58.0) | (62.0) | (64.0) | (53.0) | (41.0) |
| Total Stockholders' Equity | 16,580.0 | 13,903.0 | 12,873.0 | 13,655.0 | 12,701.0 | 15,088.0 | 14,678.0 | 14,234.0 | 14,196.0 | 12,604.0 |
| Total Liabilities & Equity | 119,463.0 | 117,479.0 | 104,564.0 | 95,748.0 | 95,948.0 | 104,826.0 | 106,792.0 | 95,808.0 | 90,207.0 | 83,990.0 |
| Debt Metrics | ||||||||||
| Total Debt | 15,462.0 | 15,982.0 | 14,191.0 | 14,507.0 | 15,775.0 | 19,866.0 | 23,996.0 | 20,799.0 | 20,147.0 | 24,279.0 |
| Net Debt | 751.0 | 1,723.0 | 3,897.0 | 6,170.0 | 4,251.0 | 7,719.0 | 14,600.0 | 9,197.0 | 10,826.0 | 11,954.0 |
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 3,499.0 | 2,238.0 | 3,016.0 | 4,221.0 | 1,385.0 | 3,747.0 | 2,790.0 | 1,935.0 | 2,251.0 | 2,214.0 |
| Depreciation & Amortization | 481.0 | 458.0 | 419.0 | 390.0 | 383.0 | 367.0 | 302.0 | 254.0 | 219.0 | 174.0 |
| Stock-Based Compensation | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Change in Working Capital | (205.0) | (345.0) | (269.0) | 1,021.0 | 291.0 | 65.0 | 157.0 | 397.0 | (547.0) | 710.0 |
| Other Non-Cash Items | 6,171.0 | 6,700.0 | 3,949.0 | 1,248.0 | 6,030.0 | 4,788.0 | 6,146.0 | 649.0 | 4,511.0 | 3,381.0 |
| Operating Cash Flow | 9,848.0 | 8,593.0 | 6,694.0 | 7,099.0 | 7,487.0 | 8,990.0 | 9,342.0 | 8,916.0 | 6,823.0 | 6,184.0 |
| Investing Activities | ||||||||||
| Capital Expenditure | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Acquisitions | (1,444.0) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Purchases of Investments | (2,811.0) | (3,623.0) | (3,866.0) | (2,990.0) | (9,913.0) | (7,856.0) | (7,271.0) | (3,159.0) | (3,380.0) | (5,102.0) |
| Sales/Maturities of Investments | 3,616.0 | 5,011.0 | 3,984.0 | 5,080.0 | 8,383.0 | 8,085.0 | 5,668.0 | 3,762.0 | 1,380.0 | 3,538.0 |
| Other Investing Activities | (8,264.0) | (15,622.0) | (10,352.0) | (6,904.0) | 1,032.0 | (490.0) | (17,433.0) | (10,013.0) | (11,320.0) | (9,239.0) |
| Investing Cash Flow | (8,903.0) | (14,234.0) | (10,234.0) | (4,814.0) | (498.0) | (261.0) | (19,036.0) | (9,410.0) | (13,320.0) | (10,803.0) |
| Financing Activities | ||||||||||
| Net Debt Issuance | (536.0) | 1,777.0 | (329.0) | (1,281.0) | (4,108.0) | (4,147.0) | 3,180.0 | 633.0 | (4,166.0) | (3,147.0) |
| Stock Repurchased | (1,008.0) | (1,112.0) | (3,320.0) | (2,876.0) | (985.0) | (3,618.0) | (1,868.0) | (1,497.0) | (476.0) | 0.0 |
| Dividends Paid | (470.0) | (448.0) | (476.0) | (542.0) | (562.0) | (581.0) | (534.0) | (446.0) | (214.0) | 0.0 |
| Other Financing Activities | 915.0 | 9,415.0 | 9,409.0 | (505.0) | (2,376.0) | 1,154.0 | 7,475.0 | 4,085.0 | 8,661.0 | 8,263.0 |
| Financing Cash Flow | (611.0) | 9,632.0 | 5,284.0 | (5,204.0) | (8,031.0) | (6,458.0) | 8,253.0 | 2,775.0 | 3,493.0 | 5,116.0 |
| Cash Position | ||||||||||
| Net Change in Cash | 334.0 | 3,991.0 | 1,744.0 | (2,919.0) | (1,042.0) | 2,271.0 | (1,441.0) | 2,281.0 | (3,004.0) | 497.0 |
| Cash at Beginning | 14,421.0 | 10,430.0 | 8,686.0 | 11,605.0 | 12,647.0 | 10,376.0 | 11,817.0 | 9,321.0 | 12,325.0 | 11,828.0 |
| Cash at End | 14,755.0 | 14,421.0 | 10,430.0 | 8,686.0 | 11,605.0 | 12,647.0 | 10,376.0 | 11,602.0 | 9,321.0 | 12,325.0 |
| Free Cash Flow | 9,848.0 | 8,593.0 | 6,694.0 | 7,099.0 | 7,487.0 | 8,990.0 | 9,342.0 | 8,916.0 | 6,823.0 | 6,184.0 |
| Key Metrics | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | 20,759.0 | 17,338.0 | 13,195.0 | 11,224.0 | 12,827.0 | 15,603.0 | 15,154.0 | 13,758.0 | 12,220.0 | 10,882.0 |
| Gross Profit | 9,392.0 | 7,662.0 | 8,299.0 | 9,466.0 | 5,852.0 | 9,132.0 | 7,739.0 | 7,071.0 | 6,986.0 | 6,795.0 |
| Operating Income | 4,553.0 | 2,904.0 | 3,962.0 | 5,503.0 | 1,797.0 | 4,887.0 | 3,644.0 | 3,324.0 | 3,570.0 | 3,531.0 |
| Net Income | 3,499.0 | 2,238.0 | 3,016.0 | 4,221.0 | 1,385.0 | 3,747.0 | 2,790.0 | 1,935.0 | 2,251.0 | 2,214.0 |
| EPS (Diluted) | 8.55 | 5.19 | 6.15 | 7.34 | 2.27 | 5.56 | 3.74 | 2.42 | 2.71 | 2.65 |
| Balance Sheet | ||||||||||
| Cash & Equivalents | 14,711.0 | 14,259.0 | 10,294.0 | 8,337.0 | 11,524.0 | 12,147.0 | 9,396.0 | 11,602.0 | 9,321.0 | 12,325.0 |
| Total Assets | 119,463.0 | 117,479.0 | 104,564.0 | 95,748.0 | 95,948.0 | 104,826.0 | 106,792.0 | 95,808.0 | 90,207.0 | 83,990.0 |
| Total Debt | 15,462.0 | 15,982.0 | 14,191.0 | 14,507.0 | 15,775.0 | 19,866.0 | 23,996.0 | 20,799.0 | 20,147.0 | 24,279.0 |
| Stockholders' Equity | 16,580.0 | 13,903.0 | 12,873.0 | 13,655.0 | 12,701.0 | 15,088.0 | 14,678.0 | 14,234.0 | 14,196.0 | 12,604.0 |
| Cash Flow | ||||||||||
| Operating Cash Flow | 9,848.0 | 8,593.0 | 6,694.0 | 7,099.0 | 7,487.0 | 8,990.0 | 9,342.0 | 8,916.0 | 6,823.0 | 6,184.0 |
| Capital Expenditure | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Free Cash Flow | 9,848.0 | 8,593.0 | 6,694.0 | 7,099.0 | 7,487.0 | 8,990.0 | 9,342.0 | 8,916.0 | 6,823.0 | 6,184.0 |