Financhill
Buy
74

SYF Quote, Financials, Valuation and Earnings

Last price:
$86.03
Seasonality move :
-5.53%
Day range:
$85.73 - $86.48
52-week range:
$40.55 - $86.48
Dividend yield:
1.34%
P/E ratio:
9.41x
P/S ratio:
1.71x
P/B ratio:
1.96x
Volume:
772.4K
Avg. volume:
3.5M
1-year change:
29.18%
Market cap:
$31B
Revenue:
$20.8B
EPS (TTM):
$9.15
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Revenue $12.8B $11.2B $13.2B $17.3B $20.8B
Revenue Growth (YoY) -17.79% -12.5% 17.56% 31.4% 19.73%
 
Cost of Revenues $1.4B $905M $1.4B $3.2B $4.1B
Gross Profit $11.4B $10.3B $11.8B $14.1B $16.6B
Gross Profit Margin 88.92% 91.94% 89.62% 81.28% 80.11%
 
R&D Expenses -- -- -- -- --
Selling, General & Admin -- -- -- -- --
Other Inc / (Exp) -- -- -- -- --
Operating Expenses $9B $4.4B $7.4B $10.4B $11.2B
Operating Income $2.5B $6B $4.5B $3.7B $5.4B
 
Net Interest Expenses $571M $466M $513M $759M $828M
EBT. Incl. Unusual Items $1.8B $5.5B $4B $2.9B $4.6B
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $412M $1.3B $946M $666M $1.1B
Net Income to Company $1.4B $4.2B $3B $2.2B $3.5B
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $1.4B $4.2B $3B $2.2B $3.5B
 
Basic EPS (Cont. Ops) $2.28 $7.40 $6.19 $5.21 $8.64
Diluted EPS (Cont. Ops) $2.27 $7.34 $6.15 $5.19 $8.55
Weighted Average Basic Share $589M $564.6M $480.4M $421.2M $396.5M
Weighted Average Diluted Share $590.8M $569.3M $483.4M $423.5M $400.6M
 
EBITDA $8.1B $7B $8.2B $9.9B $12.4B
EBIT $7.8B $6.7B $7.9B $9.6B $12.1B
 
Revenue (Reported) $12.8B $11.2B $13.2B $17.3B $20.8B
Operating Income (Reported) $2.5B $6B $4.5B $3.7B $5.4B
Operating Income (Adjusted) $7.8B $6.7B $7.9B $9.6B $12.1B
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Revenue $2.7B $3.3B $4.5B $5B $4.8B
Revenue Growth (YoY) -11.18% 22.12% 34.18% 11.71% -3.13%
 
Cost of Revenues $211M $370M $902M $1.1B $902M
Gross Profit $2.5B $3B $3.6B $3.9B $3.9B
Gross Profit Margin 92.26% 88.89% 79.81% 78.94% 81.34%
 
R&D Expenses -- -- -- -- --
Selling, General & Admin -- -- -- -- --
Other Inc / (Exp) -- -- -- -- --
Operating Expenses $906M $1.9B $2.5B $2.7B $2.3B
Operating Income $1.6B $1.1B $1B $1.2B $1.6B
 
Net Interest Expenses $109M $134M $192M $208M $199M
EBT. Incl. Unusual Items $1.5B $922M $833M $1B $1.4B
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $359M $219M $205M $239M $352M
Net Income to Company $1.1B $703M $628M $789M $1.1B
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $1.1B $703M $628M $789M $1.1B
 
Basic EPS (Cont. Ops) $2.02 $1.48 $1.49 $1.96 $2.89
Diluted EPS (Cont. Ops) $2.00 $1.47 $1.48 $1.94 $2.86
Weighted Average Basic Share $560.6M $468.5M $416M $392.3M $365.9M
Weighted Average Diluted Share $565.6M $470.7M $418.4M $396.5M $369.9M
 
EBITDA $1.7B $2.1B $2.6B $2.9B $2.9B
EBIT $1.6B $2B $2.5B $2.8B $2.8B
 
Revenue (Reported) $2.7B $3.3B $4.5B $5B $4.8B
Operating Income (Reported) $1.6B $1.1B $1B $1.2B $1.6B
Operating Income (Adjusted) $1.6B $2B $2.5B $2.8B $2.8B
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Revenue $11.3B $12.5B $16.3B $20.6B $19.3B
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues $972M $1.1B $2.9B $4.1B $3.8B
Gross Profit $10.3B $11.4B $13.4B $16.5B $15.5B
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin -- -- -- -- --
Other Inc / (Exp) -- -- -- $1.1B --
Operating Expenses $4.4B $6.7B $9.6B $11.5B $10B
Operating Income $5.9B $4.7B $3.8B $5B $5.5B
 
Net Interest Expenses $496M $456M $715M $832M $814M
EBT. Incl. Unusual Items $5.4B $4.3B $3.1B $4.1B $4.6B
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $1.3B $1B $731M $954M $1.1B
Net Income to Company $4.1B $3.3B $2.4B $3.2B $3.6B
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $4.1B $3.3B $2.4B $3.2B $3.6B
 
Basic EPS (Cont. Ops) $7.14 $6.37 $5.44 $7.73 $9.25
Diluted EPS (Cont. Ops) $7.08 $6.32 $5.41 $7.66 $9.15
Weighted Average Basic Share
Weighted Average Diluted Share
 
EBITDA $7.1B $7.8B $9.6B $12.2B $11.1B
EBIT $6.8B $7.5B $9.2B $11.9B $10.8B
 
Revenue (Reported) $11.3B $12.5B $16.3B $20.6B $19.3B
Operating Income (Reported) $5.9B $4.7B $3.8B $5B $5.5B
Operating Income (Adjusted) $6.8B $7.5B $9.2B $11.9B $10.8B
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Revenue $8.3B $9.5B $12.6B $15.8B $14.4B
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues $692M $842M $2.4B $3.1B $2.8B
Gross Profit $7.6B $8.7B $10.2B $12.7B $11.5B
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin -- -- -- -- --
Other Inc / (Exp) -- -- -- $1.1B --
Operating Expenses $2.8B $5.1B $7.3B $8.5B $7.3B
Operating Income $4.8B $3.6B $2.9B $4.2B $4.3B
 
Net Interest Expenses $362M $352M $554M $627M $613M
EBT. Incl. Unusual Items $4.5B $3.2B $2.4B $3.6B $3.7B
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $1B $782M $567M $855M $868M
Net Income to Company $3.4B $2.4B $1.8B $2.7B $2.8B
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $3.4B $2.4B $1.8B $2.7B $2.8B
 
Basic EPS (Cont. Ops) $5.89 $4.87 $4.17 $6.69 $7.31
Diluted EPS (Cont. Ops) $5.84 $4.85 $4.14 $6.63 $7.24
Weighted Average Basic Share $1.7B $1.5B $1.3B $1.2B $1.1B
Weighted Average Diluted Share $1.7B $1.5B $1.3B $1.2B $1.1B
 
EBITDA $5.2B $6B $7.4B $9.6B $8.3B
EBIT $5B $5.7B $7.1B $9.4B $8.1B
 
Revenue (Reported) $8.3B $9.5B $12.6B $15.8B $14.4B
Operating Income (Reported) $4.8B $3.6B $2.9B $4.2B $4.3B
Operating Income (Adjusted) $5B $5.7B $7.1B $9.4B $8.1B
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Cash and Equivalents $11.5B $8.3B $10.3B $14.3B $14.7B
Short Term Investments $7.5B $5.3B $4.9B $3.8B $3.1B
Accounts Receivable, Net -- -- -- -- --
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $11.5B $8.3B $10.3B $14.3B $14.7B
 
Property Plant And Equipment -- -- -- -- --
Long-Term Investments $7.5B $5.6B $4.9B $3.8B $3.2B
Goodwill $1.1B $1.1B $1.1B $1B $1.3B
Other Intangibles $1.1B $1.2B $742M $815M $854M
Other Long-Term Assets -- -- -- -- --
Total Assets $95.9B $95.7B $104.6B $117.5B $119.5B
 
Accounts Payable -- -- -- -- --
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $9.5B $5.8B $7.5B $10.6B $11B
 
Long-Term Debt $11B $14B $12.5B $11.8B $9.8B
Capital Leases -- -- -- -- --
Total Liabilities $83.2B $82.1B $91.7B $103.6B $102.9B
 
Common Stock $1M $1M $1M $1M $1M
Other Common Equity Adj -- -- -- -- --
Common Equity $12B $12.9B $12.1B $13.2B $15.4B
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $12.7B $13.7B $12.9B $13.9B $16.6B
 
Total Liabilities and Equity $95.9B $95.7B $104.6B $117.5B $119.5B
Cash and Short Terms $11.5B $8.3B $10.3B $14.3B $14.7B
Total Debt $15.8B $14.5B $14.2B $16B $15.5B
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Cash and Equivalents $9.9B $12B $15.6B $17.9B $16.2B
Short Term Investments $5.4B $5.1B $2.9B $2.3B --
Accounts Receivable, Net -- -- -- -- --
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $9.9B $12B $15.6B $17.9B $16.2B
 
Property Plant And Equipment -- -- -- -- --
Long-Term Investments $5.4B $6.1B $3.1B $2.4B $2.8B
Goodwill $1.1B $1.1B $1.1B $1.3B --
Other Intangibles $1.1B $1B $1.2B $765M --
Other Long-Term Assets -- -- -- -- --
Total Assets $91.9B $100.8B $112.9B $119.2B $117B
 
Accounts Payable -- -- -- -- --
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $4.9B $5.9B $1.9B $5.5B $5.6B
 
Long-Term Debt $12.8B $13.4B $15.2B $15.5B $14.4B
Capital Leases -- -- -- -- --
Total Liabilities $78B $87.8B $99.2B $103.2B $99.9B
 
Common Stock $1M $1M $1M $1M $1M
Other Common Equity Adj -- -- -- -- --
Common Equity -- -- -- -- --
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $13.9B $13B $13.8B $16B $17.1B
 
Total Liabilities and Equity $91.9B $100.8B $112.9B $119.2B $117B
Cash and Short Terms $9.9B $12B $15.6B $17.9B $16.2B
Total Debt $12.8B $14.3B $15.2B $15.6B $14.4B
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Net Income to Stockholders $1.4B $4.2B $3B $2.2B $3.5B
Depreciation & Amoritzation $383M $390M $419M $458M $481M
Stock-Based Compensation -- -- -- -- --
Change in Accounts Receivable $339M $424M -$197M -$645M $33M
Change in Inventories -- -- -- -- --
Cash From Operations $7.5B $7.1B $6.7B $8.6B $9.8B
 
Capital Expenditures -- -- -- -- --
Cash Acquisitions -- -- -- -- $1.9B
Cash From Investing -$498M -$4.8B -$10.2B -$14.2B -$8.9B
 
Dividends Paid (Ex Special Dividend) $562M $542M $476M $448M $470M
Special Dividend Paid
Long-Term Debt Issued $675M $3.1B $5B $3B $2.4B
Long-Term Debt Repaid -$4.8B -$4.4B -$5.3B -$1.3B -$3B
Repurchase of Common Stock $985M $2.9B $3.3B $1.1B $1B
Other Financing Activities -$7M $29M -$44M -$22M $36M
Cash From Financing -$8B -$5.2B $5.3B $9.6B -$611M
 
Beginning Cash (CF) $11.5B $8.3B $10.3B $14.3B $14.7B
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions -$1B -$2.9B $1.7B $4B $334M
Ending Cash (CF) $10.5B $5.4B $12B $18.3B $15B
 
Levered Free Cash Flow $7.5B $7.1B $6.7B $8.6B $9.8B
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Net Income to Stockholders $1.1B $703M $628M $789M $1.1B
Depreciation & Amoritzation $93M $105M $116M $121M $128M
Stock-Based Compensation -- -- -- -- --
Change in Accounts Receivable -$17M -$209M -$140M $21M -$206M
Change in Inventories -- -- -- -- --
Cash From Operations $1.8B $1.6B $2.5B $2.8B $2.6B
 
Capital Expenditures -- -- -- -- --
Cash Acquisitions -- -- -- -- --
Cash From Investing -$1.8B -$4.1B -$2.6B -$2.2B -$1.6B
 
Dividends Paid (Ex Special Dividend) $156M $120M $114M $120M $130M
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $300M $2.2B $1.3B $1.5B --
Long-Term Debt Repaid -$1B -- -$300M -$1.5B --
Repurchase of Common Stock $1.3B $950M $152M $302M $870M
Other Financing Activities $3M -$4M $2M $17M --
Cash From Financing -$1.6B $4.8B $3B -$1.2B -$5B
 
Beginning Cash (CF) $9.9B $12B $15.6B $17.9B $16.2B
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions -$1.6B $2.3B $2.9B -$699M -$3.9B
Ending Cash (CF) $8.3B $14.2B $18.6B $17.2B $12.4B
 
Levered Free Cash Flow $1.8B $1.6B $2.5B $2.8B $2.6B
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Net Income to Stockholders $4.1B $3.3B $2.4B $3.2B $3.6B
Depreciation & Amoritzation $378M $423M $441M $479M $495M
Stock-Based Compensation -- -- -- -- --
Change in Accounts Receivable $524M -$81M -$594M -$92M -$468M
Change in Inventories -- -- -- -- --
Cash From Operations $7.2B $6.9B $8.1B $9.8B $9.8B
 
Capital Expenditures -- -- -- -- --
Cash Acquisitions -- -- -- $1.9B --
Cash From Investing -$2.3B -$9.1B -$13.9B -$11.1B -$5.2B
 
Dividends Paid (Ex Special Dividend) $550M $493M $447M $466M $501M
Special Dividend Paid
Long-Term Debt Issued $1.4B $5.7B $3.3B $3.2B --
Long-Term Debt Repaid -$4.4B -$4.1B -$2.4B -$2.8B --
Repurchase of Common Stock $1.9B $3.6B $1.6B $1.2B $2.1B
Other Financing Activities $32M -$43M -$32M $28M --
Cash From Financing -$8.6B $5.5B $8.5B $3.5B -$6.3B
 
Beginning Cash (CF) -- -- -- -- --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions -$3.7B $3.2B $2.7B $2.2B -$1.7B
Ending Cash (CF) -- -- -- -- --
 
Levered Free Cash Flow $7.2B $6.9B $8.1B $9.8B $9.8B
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Net Income to Stockholders $3.4B $2.4B $1.8B $2.7B $2.8B
Depreciation & Amoritzation $285M $318M $340M $361M $375M
Stock-Based Compensation -- -- -- -- --
Change in Accounts Receivable $579M $74M -$323M $230M -$271M
Change in Inventories -- -- -- -- --
Cash From Operations $5.1B $4.8B $6.3B $7.5B $7.4B
 
Capital Expenditures -- -- -- -- --
Cash Acquisitions -- -- -- $1.9B --
Cash From Investing $950M -$3.4B -$7.1B -$3.9B -$212M
 
Dividends Paid (Ex Special Dividend) $412M $363M $334M $352M $383M
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $1.4B $3.9B $2.3B $2.4B $2.3B
Long-Term Debt Repaid -$4.4B -$4.1B -$1.3B -$2.8B -$1.8B
Repurchase of Common Stock $1.9B $2.6B $859M $907M $2B
Other Financing Activities $28M -$44M -$32M $18M -$70M
Cash From Financing -$7.8B $2.9B $6.2B $6M -$5.7B
 
Beginning Cash (CF) $38.1B $33.2B $43.7B $56.6B $57.3B
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions -$1.7B $4.4B $5.4B $3.6B $1.5B
Ending Cash (CF) $36.4B $37.6B $49B $60.1B $58.9B
 
Levered Free Cash Flow $5.1B $4.8B $6.3B $7.5B $7.4B

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