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SYF Quote, Financials, Valuation and Earnings

Last price:
$80.41
Seasonality move :
2.45%
Day range:
$79.15 - $80.65
52-week range:
$40.55 - $80.40
Dividend yield:
1.45%
P/E ratio:
8.65x
P/S ratio:
1.57x
P/B ratio:
1.80x
Volume:
3.7M
Avg. volume:
3.4M
1-year change:
20.32%
Market cap:
$28.5B
Revenue:
$20.8B
EPS (TTM):
$9.15

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
$3.8B $2.21 -21.81% 6.81% $82.74
AXP
American Express Co.
$18B $3.98 -1.67% 17.7% $351.87
BAC
Bank of America Corp.
$27.5B $0.95 -42.21% 19.4% $58.90
CFG
Citizens Financial Group, Inc. (Rhode Island)
$2.1B $1.03 -28.82% 34.8% $61.83
JPM
JPMorgan Chase & Co.
$45.6B $4.87 -31.73% 1.99% $328.09
TFC
Truist Financial Corp.
$5.2B $0.99 -32.2% 19.71% $50.55
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
SYF
Synchrony Financial
$79.15 $82.74 $28.5B 8.65x $0.30 1.45% 1.57x
AXP
American Express Co.
$371.15 $351.87 $255.7B 24.92x $0.82 0.85% 3.30x
BAC
Bank of America Corp.
$54.16 $58.90 $395.5B 14.76x $0.28 1.96% 2.14x
CFG
Citizens Financial Group, Inc. (Rhode Island)
$55.88 $61.83 $24B 15.68x $0.46 3.08% 2.04x
JPM
JPMorgan Chase & Co.
$312.13 $328.09 $849.7B 15.46x $1.50 1.78% 3.15x
TFC
Truist Financial Corp.
$47.42 $50.55 $60.7B 12.72x $0.52 4.39% 2.04x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
SYF
Synchrony Financial
45.82% 2.115 53.83% 2.90x
AXP
American Express Co.
64.63% 1.667 25.88% 3.39x
BAC
Bank of America Corp.
70.22% 1.655 177.48% 0.00x
CFG
Citizens Financial Group, Inc. (Rhode Island)
29.21% 1.998 42.54% 0.00x
JPM
JPMorgan Chase & Co.
75.36% 1.441 125.37% 0.00x
TFC
Truist Financial Corp.
52.45% 1.570 112.45% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
SYF
Synchrony Financial
$3.9B $1.6B 11.05% 21.5% 57.39% $2.6B
AXP
American Express Co.
$12.7B $4.6B 12.07% 33.57% 28.56% $5.6B
BAC
Bank of America Corp.
-- $9.5B 2.9% 9.94% 60.32% $17.7B
CFG
Citizens Financial Group, Inc. (Rhode Island)
-- $629M 4.53% 6.81% 52.51% $1.7B
JPM
JPMorgan Chase & Co.
-- $18.8B 4.32% 16.41% 61.65% $38.1B
TFC
Truist Financial Corp.
-- $1.8B 4.09% 8.08% 55.81% $1.3B

Synchrony Financial vs. Competitors

  • Which has Higher Returns SYF or AXP?

    American Express Co. has a net margin of 22.28% compared to Synchrony Financial's net margin of 14.01%. Synchrony Financial's return on equity of 21.5% beat American Express Co.'s return on equity of 33.57%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    81.34% $2.86 $31.5B
    AXP
    American Express Co.
    61.53% $4.14 $91.7B
  • What do Analysts Say About SYF or AXP?

    Synchrony Financial has a consensus price target of $82.74, signalling upside risk potential of 4.54%. On the other hand American Express Co. has an analysts' consensus of $351.87 which suggests that it could fall by -5.2%. Given that Synchrony Financial has higher upside potential than American Express Co., analysts believe Synchrony Financial is more attractive than American Express Co..

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    12 7 0
    AXP
    American Express Co.
    7 17 1
  • Is SYF or AXP More Risky?

    Synchrony Financial has a beta of 1.461, which suggesting that the stock is 46.098% more volatile than S&P 500. In comparison American Express Co. has a beta of 1.141, suggesting its more volatile than the S&P 500 by 14.096%.

  • Which is a Better Dividend Stock SYF or AXP?

    Synchrony Financial has a quarterly dividend of $0.30 per share corresponding to a yield of 1.45%. American Express Co. offers a yield of 0.85% to investors and pays a quarterly dividend of $0.82 per share. Synchrony Financial pays 11.69% of its earnings as a dividend. American Express Co. pays out 19.97% 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 $4.8B, which are smaller than American Express Co. quarterly revenues of $20.6B. Synchrony Financial's net income of $1.1B is lower than American Express Co.'s net income of $2.9B. Notably, Synchrony Financial's price-to-earnings ratio is 8.65x while American Express Co.'s PE ratio is 24.92x. 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 1.57x versus 3.30x for American Express Co.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.57x 8.65x $4.8B $1.1B
    AXP
    American Express Co.
    3.30x 24.92x $20.6B $2.9B
  • Which has Higher Returns SYF or BAC?

    Bank of America Corp. has a net margin of 22.28% compared to Synchrony Financial's net margin of 17.26%. Synchrony Financial's return on equity of 21.5% beat Bank of America Corp.'s return on equity of 9.94%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    81.34% $2.86 $31.5B
    BAC
    Bank of America Corp.
    -- $1.06 $1T
  • What do Analysts Say About SYF or BAC?

    Synchrony Financial has a consensus price target of $82.74, signalling upside risk potential of 4.54%. On the other hand Bank of America Corp. has an analysts' consensus of $58.90 which suggests that it could grow by 8.74%. Given that Bank of America Corp. has higher upside potential than Synchrony Financial, analysts believe Bank of America Corp. is more attractive than Synchrony Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    12 7 0
    BAC
    Bank of America Corp.
    14 4 0
  • Is SYF or BAC More Risky?

    Synchrony Financial has a beta of 1.461, which suggesting that the stock is 46.098% more volatile than S&P 500. In comparison Bank of America Corp. has a beta of 1.303, suggesting its more volatile than the S&P 500 by 30.252%.

  • Which is a Better Dividend Stock SYF or BAC?

    Synchrony Financial has a quarterly dividend of $0.30 per share corresponding to a yield of 1.45%. Bank of America Corp. offers a yield of 1.96% to investors and pays a quarterly dividend of $0.28 per share. Synchrony Financial pays 11.69% of its earnings as a dividend. Bank of America Corp. pays out 31.12% 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 BAC?

    Synchrony Financial quarterly revenues are $4.8B, which are smaller than Bank of America Corp. quarterly revenues of $49.1B. Synchrony Financial's net income of $1.1B is lower than Bank of America Corp.'s net income of $8.5B. Notably, Synchrony Financial's price-to-earnings ratio is 8.65x while Bank of America Corp.'s PE ratio is 14.76x. 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 1.57x versus 2.14x for Bank of America Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.57x 8.65x $4.8B $1.1B
    BAC
    Bank of America Corp.
    2.14x 14.76x $49.1B $8.5B
  • Which has Higher Returns SYF or CFG?

    Citizens Financial Group, Inc. (Rhode Island) has a net margin of 22.28% compared to Synchrony Financial's net margin of 16.22%. Synchrony Financial's return on equity of 21.5% beat Citizens Financial Group, Inc. (Rhode Island)'s return on equity of 6.81%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    81.34% $2.86 $31.5B
    CFG
    Citizens Financial Group, Inc. (Rhode Island)
    -- $1.05 $36.5B
  • What do Analysts Say About SYF or CFG?

    Synchrony Financial has a consensus price target of $82.74, signalling upside risk potential of 4.54%. On the other hand Citizens Financial Group, Inc. (Rhode Island) has an analysts' consensus of $61.83 which suggests that it could grow by 10.64%. Given that Citizens Financial Group, Inc. (Rhode Island) has higher upside potential than Synchrony Financial, analysts believe Citizens Financial Group, Inc. (Rhode Island) is more attractive than Synchrony Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    12 7 0
    CFG
    Citizens Financial Group, Inc. (Rhode Island)
    14 3 0
  • Is SYF or CFG More Risky?

    Synchrony Financial has a beta of 1.461, which suggesting that the stock is 46.098% more volatile than S&P 500. In comparison Citizens Financial Group, Inc. (Rhode Island) has a beta of 1.095, suggesting its more volatile than the S&P 500 by 9.503%.

  • Which is a Better Dividend Stock SYF or CFG?

    Synchrony Financial has a quarterly dividend of $0.30 per share corresponding to a yield of 1.45%. Citizens Financial Group, Inc. (Rhode Island) offers a yield of 3.08% to investors and pays a quarterly dividend of $0.46 per share. Synchrony Financial pays 11.69% of its earnings as a dividend. Citizens Financial Group, Inc. (Rhode Island) pays out 55.53% 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 CFG?

    Synchrony Financial quarterly revenues are $4.8B, which are larger than Citizens Financial Group, Inc. (Rhode Island) quarterly revenues of $3B. Synchrony Financial's net income of $1.1B is higher than Citizens Financial Group, Inc. (Rhode Island)'s net income of $494M. Notably, Synchrony Financial's price-to-earnings ratio is 8.65x while Citizens Financial Group, Inc. (Rhode Island)'s PE ratio is 15.68x. 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 1.57x versus 2.04x for Citizens Financial Group, Inc. (Rhode Island). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.57x 8.65x $4.8B $1.1B
    CFG
    Citizens Financial Group, Inc. (Rhode Island)
    2.04x 15.68x $3B $494M
  • Which has Higher Returns SYF or JPM?

    JPMorgan Chase & Co. has a net margin of 22.28% compared to Synchrony Financial's net margin of 19.98%. Synchrony Financial's return on equity of 21.5% beat JPMorgan Chase & Co.'s return on equity of 16.41%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    81.34% $2.86 $31.5B
    JPM
    JPMorgan Chase & Co.
    -- $5.07 $1.5T
  • What do Analysts Say About SYF or JPM?

    Synchrony Financial has a consensus price target of $82.74, signalling upside risk potential of 4.54%. On the other hand JPMorgan Chase & Co. has an analysts' consensus of $328.09 which suggests that it could grow by 5.11%. Given that JPMorgan Chase & Co. has higher upside potential than Synchrony Financial, analysts believe JPMorgan Chase & Co. is more attractive than Synchrony Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    12 7 0
    JPM
    JPMorgan Chase & Co.
    9 8 2
  • Is SYF or JPM More Risky?

    Synchrony Financial has a beta of 1.461, which suggesting that the stock is 46.098% more volatile than S&P 500. In comparison JPMorgan Chase & Co. has a beta of 1.082, suggesting its more volatile than the S&P 500 by 8.24%.

  • Which is a Better Dividend Stock SYF or JPM?

    Synchrony Financial has a quarterly dividend of $0.30 per share corresponding to a yield of 1.45%. JPMorgan Chase & Co. offers a yield of 1.78% to investors and pays a quarterly dividend of $1.50 per share. Synchrony Financial pays 11.69% of its earnings as a dividend. JPMorgan Chase & Co. pays out 24.3% 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 JPM?

    Synchrony Financial quarterly revenues are $4.8B, which are smaller than JPMorgan Chase & Co. quarterly revenues of $71.7B. Synchrony Financial's net income of $1.1B is lower than JPMorgan Chase & Co.'s net income of $14.3B. Notably, Synchrony Financial's price-to-earnings ratio is 8.65x while JPMorgan Chase & Co.'s PE ratio is 15.46x. 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 1.57x versus 3.15x for JPMorgan Chase & Co.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.57x 8.65x $4.8B $1.1B
    JPM
    JPMorgan Chase & Co.
    3.15x 15.46x $71.7B $14.3B
  • Which has Higher Returns SYF or TFC?

    Truist Financial Corp. has a net margin of 22.28% compared to Synchrony Financial's net margin of 18.44%. Synchrony Financial's return on equity of 21.5% beat Truist Financial Corp.'s return on equity of 8.08%.

    Company Gross Margin Earnings Per Share Invested Capital
    SYF
    Synchrony Financial
    81.34% $2.86 $31.5B
    TFC
    Truist Financial Corp.
    -- $1.04 $138.1B
  • What do Analysts Say About SYF or TFC?

    Synchrony Financial has a consensus price target of $82.74, signalling upside risk potential of 4.54%. On the other hand Truist Financial Corp. has an analysts' consensus of $50.55 which suggests that it could grow by 6.61%. Given that Truist Financial Corp. has higher upside potential than Synchrony Financial, analysts believe Truist Financial Corp. is more attractive than Synchrony Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    SYF
    Synchrony Financial
    12 7 0
    TFC
    Truist Financial Corp.
    9 11 0
  • Is SYF or TFC More Risky?

    Synchrony Financial has a beta of 1.461, which suggesting that the stock is 46.098% more volatile than S&P 500. In comparison Truist Financial Corp. has a beta of 0.901, suggesting its less volatile than the S&P 500 by 9.933%.

  • Which is a Better Dividend Stock SYF or TFC?

    Synchrony Financial has a quarterly dividend of $0.30 per share corresponding to a yield of 1.45%. Truist Financial Corp. offers a yield of 4.39% to investors and pays a quarterly dividend of $0.52 per share. Synchrony Financial pays 11.69% of its earnings as a dividend. Truist Financial Corp. pays out 6966.67% of its earnings as a dividend. Synchrony Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Truist Financial Corp.'s is not.

  • Which has Better Financial Ratios SYF or TFC?

    Synchrony Financial quarterly revenues are $4.8B, which are smaller than Truist Financial Corp. quarterly revenues of $7.9B. Synchrony Financial's net income of $1.1B is lower than Truist Financial Corp.'s net income of $1.5B. Notably, Synchrony Financial's price-to-earnings ratio is 8.65x while Truist Financial Corp.'s PE ratio is 12.72x. 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 1.57x versus 2.04x for Truist Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SYF
    Synchrony Financial
    1.57x 8.65x $4.8B $1.1B
    TFC
    Truist Financial Corp.
    2.04x 12.72x $7.9B $1.5B

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