Financhill
Buy
78

SYF Quote, Financials, Valuation and Earnings

Last price:
$65.07
Seasonality move :
-2.08%
Day range:
$63.80 - $66.10
52-week range:
$35.29 - $69.39
Dividend yield:
1.53%
P/E ratio:
8.54x
P/S ratio:
1.78x
P/B ratio:
1.73x
Volume:
11.9M
Avg. volume:
3.9M
1-year change:
75.33%
Market cap:
$25.5B
Revenue:
$13.6B
EPS (TTM):
$7.66

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
SYF
Synchrony Financial
$3.7B $1.82 5.36% 82.01% $71.01
AXP
American Express
$16.7B $3.29 9.57% 14.81% $288.44
C
Citigroup
$19.8B $1.32 2.83% -19.18% $72.14
COF
Capital One Financial
$9.9B $3.76 6.5% 59.91% $187.40
DFS
Discover Financial Services
$4.3B $3.37 4.42% 30.02% $135.77
USB
U.S. Bancorp
$6.9B $0.99 3.75% 114.28% $56.85
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
SYF
Synchrony Financial
$65.45 $71.01 $25.5B 8.54x $0.25 1.53% 1.78x
AXP
American Express
$298.65 $288.44 $210.4B 21.98x $0.70 0.9% 3.33x
C
Citigroup
$69.19 $72.14 $130.9B 20.06x $0.56 3.15% 1.67x
COF
Capital One Financial
$178.65 $187.40 $68.2B 16.87x $0.60 1.34% 1.78x
DFS
Discover Financial Services
$173.16 $135.77 $43.5B 13.98x $0.70 1.62% 2.50x
USB
U.S. Bancorp
$47.92 $56.85 $74.8B 14.65x $0.50 4.11% 2.76x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
SYF
Synchrony Financial
49.45% 0.970 75.75% --
AXP
American Express
64.93% 0.612 28.81% 3.33x
C
Citigroup
61.95% 0.910 251.12% 1.49x
COF
Capital One Financial
43.69% 0.906 85.46% 45.77x
DFS
Discover Financial Services
51.29% 1.861 51.61% --
USB
U.S. Bancorp
57.16% 1.123 99.88% 6.91x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
SYF
Synchrony Financial
-- -- 10.34% 21.25% 57.79% $2.8B
AXP
American Express
-- -- 12.39% 34.49% 32.14% -$2.3B
C
Citigroup
-- -- 1.5% 3.83% 135.62% -$18.2B
COF
Capital One Financial
-- -- 4.08% 7.51% 59.94% $6.1B
DFS
Discover Financial Services
-- -- 9.08% 20.69% 61.64% $2.5B
USB
U.S. Bancorp
-- -- 4.37% 9.74% 88.15% $972M

Synchrony Financial vs. Competitors

  • Which has Higher Returns SYF or AXP?

    American Express has a net margin of 20.69% compared to Synchrony Financial's net margin of 15.07%. Synchrony Financial's return on equity of 21.25% beat American Express's return on equity of 34.49%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    -- $1.94 $31.6B
    AXP
    American Express
    -- $3.49 $84.7B
  • What do Analysts Say About SYF or AXP?

    Synchrony Financial has a consensus price target of $71.01, signalling upside risk potential of 8.5%. On the other hand American Express has an analysts' consensus of $288.44 which suggests that it could fall by -3.42%. Given that Synchrony Financial has higher upside potential than American Express, analysts believe Synchrony Financial is more attractive than American Express.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    10 7 0
    AXP
    American Express
    5 14 3
  • Is SYF or AXP More Risky?

    Synchrony Financial has a beta of 1.633, which suggesting that the stock is 63.302% more volatile than S&P 500. In comparison American Express has a beta of 1.232, suggesting its more volatile than the S&P 500 by 23.166%.

  • Which is a Better Dividend Stock SYF or AXP?

    Synchrony Financial has a quarterly dividend of $0.25 per share corresponding to a yield of 1.53%. American Express offers a yield of 0.9% to investors and pays a quarterly dividend of $0.70 per share. Synchrony Financial pays 20.02% of its earnings as a dividend. American Express pays out 21.26% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SYF or AXP?

    Synchrony Financial quarterly revenues are $3.8B, which are smaller than American Express quarterly revenues of $16.6B. Synchrony Financial's net income of $789M is lower than American Express's net income of $2.5B. Notably, Synchrony Financial's price-to-earnings ratio is 8.54x while American Express's PE ratio is 21.98x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Synchrony Financial is 1.78x versus 3.33x for American Express. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.78x 8.54x $3.8B $789M
    AXP
    American Express
    3.33x 21.98x $16.6B $2.5B
  • Which has Higher Returns SYF or C?

    Citigroup has a net margin of 20.69% compared to Synchrony Financial's net margin of 15.98%. Synchrony Financial's return on equity of 21.25% beat Citigroup's return on equity of 3.83%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    -- $1.94 $31.6B
    C
    Citigroup
    -- $1.51 $550.3B
  • What do Analysts Say About SYF or C?

    Synchrony Financial has a consensus price target of $71.01, signalling upside risk potential of 8.5%. On the other hand Citigroup has an analysts' consensus of $72.14 which suggests that it could grow by 15.98%. Given that Citigroup has higher upside potential than Synchrony Financial, analysts believe Citigroup is more attractive than Synchrony Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    10 7 0
    C
    Citigroup
    8 8 0
  • Is SYF or C More Risky?

    Synchrony Financial has a beta of 1.633, which suggesting that the stock is 63.302% more volatile than S&P 500. In comparison Citigroup has a beta of 1.448, suggesting its more volatile than the S&P 500 by 44.751%.

  • Which is a Better Dividend Stock SYF or C?

    Synchrony Financial has a quarterly dividend of $0.25 per share corresponding to a yield of 1.53%. Citigroup offers a yield of 3.15% to investors and pays a quarterly dividend of $0.56 per share. Synchrony Financial pays 20.02% of its earnings as a dividend. Citigroup pays out 56.48% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SYF or C?

    Synchrony Financial quarterly revenues are $3.8B, which are smaller than Citigroup quarterly revenues of $20.3B. Synchrony Financial's net income of $789M is lower than Citigroup's net income of $3.2B. Notably, Synchrony Financial's price-to-earnings ratio is 8.54x while Citigroup's PE ratio is 20.06x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Synchrony Financial is 1.78x versus 1.67x for Citigroup. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.78x 8.54x $3.8B $789M
    C
    Citigroup
    1.67x 20.06x $20.3B $3.2B
  • Which has Higher Returns SYF or COF?

    Capital One Financial has a net margin of 20.69% compared to Synchrony Financial's net margin of 17.75%. Synchrony Financial's return on equity of 21.25% beat Capital One Financial's return on equity of 7.51%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    -- $1.94 $31.6B
    COF
    Capital One Financial
    -- $4.41 $111.7B
  • What do Analysts Say About SYF or COF?

    Synchrony Financial has a consensus price target of $71.01, signalling upside risk potential of 8.5%. On the other hand Capital One Financial has an analysts' consensus of $187.40 which suggests that it could grow by 4.9%. Given that Synchrony Financial has higher upside potential than Capital One Financial, analysts believe Synchrony Financial is more attractive than Capital One Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    10 7 0
    COF
    Capital One Financial
    5 12 1
  • Is SYF or COF More Risky?

    Synchrony Financial has a beta of 1.633, which suggesting that the stock is 63.302% more volatile than S&P 500. In comparison Capital One Financial has a beta of 1.454, suggesting its more volatile than the S&P 500 by 45.401%.

  • Which is a Better Dividend Stock SYF or COF?

    Synchrony Financial has a quarterly dividend of $0.25 per share corresponding to a yield of 1.53%. Capital One Financial offers a yield of 1.34% to investors and pays a quarterly dividend of $0.60 per share. Synchrony Financial pays 20.02% of its earnings as a dividend. Capital One Financial pays out 23.72% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SYF or COF?

    Synchrony Financial quarterly revenues are $3.8B, which are smaller than Capital One Financial quarterly revenues of $10B. Synchrony Financial's net income of $789M is lower than Capital One Financial's net income of $1.8B. Notably, Synchrony Financial's price-to-earnings ratio is 8.54x while Capital One Financial's PE ratio is 16.87x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Synchrony Financial is 1.78x versus 1.78x for Capital One Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.78x 8.54x $3.8B $789M
    COF
    Capital One Financial
    1.78x 16.87x $10B $1.8B
  • Which has Higher Returns SYF or DFS?

    Discover Financial Services has a net margin of 20.69% compared to Synchrony Financial's net margin of 21.67%. Synchrony Financial's return on equity of 21.25% beat Discover Financial Services's return on equity of 20.69%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    -- $1.94 $31.6B
    DFS
    Discover Financial Services
    -- $3.69 $35.4B
  • What do Analysts Say About SYF or DFS?

    Synchrony Financial has a consensus price target of $71.01, signalling upside risk potential of 8.5%. On the other hand Discover Financial Services has an analysts' consensus of $135.77 which suggests that it could grow by 0.97%. Given that Synchrony Financial has higher upside potential than Discover Financial Services, analysts believe Synchrony Financial is more attractive than Discover Financial Services.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    10 7 0
    DFS
    Discover Financial Services
    3 12 0
  • Is SYF or DFS More Risky?

    Synchrony Financial has a beta of 1.633, which suggesting that the stock is 63.302% more volatile than S&P 500. In comparison Discover Financial Services has a beta of 1.449, suggesting its more volatile than the S&P 500 by 44.894%.

  • Which is a Better Dividend Stock SYF or DFS?

    Synchrony Financial has a quarterly dividend of $0.25 per share corresponding to a yield of 1.53%. Discover Financial Services offers a yield of 1.62% to investors and pays a quarterly dividend of $0.70 per share. Synchrony Financial pays 20.02% of its earnings as a dividend. Discover Financial Services pays out 25.58% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SYF or DFS?

    Synchrony Financial quarterly revenues are $3.8B, which are smaller than Discover Financial Services quarterly revenues of $4.5B. Synchrony Financial's net income of $789M is lower than Discover Financial Services's net income of $965M. Notably, Synchrony Financial's price-to-earnings ratio is 8.54x while Discover Financial Services's PE ratio is 13.98x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Synchrony Financial is 1.78x versus 2.50x for Discover Financial Services. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.78x 8.54x $3.8B $789M
    DFS
    Discover Financial Services
    2.50x 13.98x $4.5B $965M
  • Which has Higher Returns SYF or USB?

    U.S. Bancorp has a net margin of 20.69% compared to Synchrony Financial's net margin of 25.08%. Synchrony Financial's return on equity of 21.25% beat U.S. Bancorp's return on equity of 9.74%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    -- $1.94 $31.6B
    USB
    U.S. Bancorp
    -- $1.03 $137.9B
  • What do Analysts Say About SYF or USB?

    Synchrony Financial has a consensus price target of $71.01, signalling upside risk potential of 8.5%. On the other hand U.S. Bancorp has an analysts' consensus of $56.85 which suggests that it could grow by 18.64%. Given that U.S. Bancorp has higher upside potential than Synchrony Financial, analysts believe U.S. Bancorp is more attractive than Synchrony Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    10 7 0
    USB
    U.S. Bancorp
    7 12 0
  • Is SYF or USB More Risky?

    Synchrony Financial has a beta of 1.633, which suggesting that the stock is 63.302% more volatile than S&P 500. In comparison U.S. Bancorp has a beta of 1.032, suggesting its more volatile than the S&P 500 by 3.212%.

  • Which is a Better Dividend Stock SYF or USB?

    Synchrony Financial has a quarterly dividend of $0.25 per share corresponding to a yield of 1.53%. U.S. Bancorp offers a yield of 4.11% to investors and pays a quarterly dividend of $0.50 per share. Synchrony Financial pays 20.02% of its earnings as a dividend. U.S. Bancorp pays out 60.99% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SYF or USB?

    Synchrony Financial quarterly revenues are $3.8B, which are smaller than U.S. Bancorp quarterly revenues of $6.8B. Synchrony Financial's net income of $789M is lower than U.S. Bancorp's net income of $1.7B. Notably, Synchrony Financial's price-to-earnings ratio is 8.54x while U.S. Bancorp's PE ratio is 14.65x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Synchrony Financial is 1.78x versus 2.76x for U.S. Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.78x 8.54x $3.8B $789M
    USB
    U.S. Bancorp
    2.76x 14.65x $6.8B $1.7B

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