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Earnings transcript
Read the complete earnings call transcript.
SYF
Synchrony Financial
$68.42
0.1
(0.15%)
| Exchange: | NYSE |
| Market Cap: | 24.643B |
| Shares Outstanding: | 830.271M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Brian D. Doubles | |||||
| Full Time Employees: | 20000 | |||||
| Address: |
| |||||
| Website: | https://www.synchrony.com |
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 17,338,000 | 20,759,000 | 19,116,000 |
| Gross Profit | 7,662,000 | 9,392,000 | 9,756,000 |
| EBITDA | 3,362,000 | 5,034,000 | 5,135,000 |
| Operating Income | 2,904,000 | 4,553,000 | 4,621,000 |
| Net Income | 2,238,000 | 3,499,000 | 3,552,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 117,479,000 | 119,463,000 | 119,095,000 |
| Total Liabilities | 103,576,000 | 102,883,000 | 102,329,000 |
| Total Stockholders Equity | 13,903,000 | 16,580,000 | 16,766,000 |
| Total Debt | 15,982,000 | 15,462,000 | 15,182,000 |
| Cash and Cash Equivalents | 14,259,000 | 14,711,000 | 14,973,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 8,593,000 | 9,848,000 | 9,851,000 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 8,593,000 | 9,848,000 | 9,851,000 |
| Net Income | 2,238,000 | 3,499,000 | 3,552,000 |
| Net Change in Cash | 3,991,000 | 334,000 | 262,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 16,278,813.150 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 17,125,439.770 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 16,804,304.729 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 5,085,778.122 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 5,350,278.679 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 5,249,950.630 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 4,219,072.756 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 4,507,114.901 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 4,397,858.276 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 2,376,589.939 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 2,500,191.352 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 2,453,307.940 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 12.290 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 12.600 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 11.790 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 7 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Revenue Performance: SYF has demonstrated consistent revenue generation as per the latest income statements, reflecting robust operational performance within the consumer finance sector. This aligns with positive industry trends in financial services, as indicated by sector performance metrics.
- Solid Profitability Metrics: High gross profit and net profit margins (TTM) from key metrics data suggest efficient cost management and strong earnings potential, positioning SYF favorably against industry peers.
- Healthy Cash Flow: Significant free cash flow (as per cash flow statements) and a positive free cash flow yield (TTM) indicate SYF’s ability to fund operations, pay dividends, and invest in growth initiatives without excessive reliance on external financing.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates SYF intrinsic value between $166.13 – $365.46 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about SYF valuation
Is Synchrony Financial (SYF) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Synchrony Financial (SYF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is SYF a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SYF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is SYF’s P/E ratio?
You can see SYF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for SYF?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is SYF a good long-term investment?
Whether SYF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
SYF
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Daily snapshot
0.15
Trading Metrics:
| Open: | 66.87 | Previous Close: | 68.32 | |
| Day Low: | 66 | Day High: | 68.82 | |
| Year Low: | 40.55 | Year High: | 88.77 | |
| Price Avg 50: | 70.08 | Price Avg 200: | 73.38 | |
| Volume: | 2.201M | Average Volume: | 4.535M |
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Login — it's freeSYF full analysis
Welcome to MARKETSNAP’s SWOT analysis for Synchrony Financial, also known by its ticker SYF. If you’re a long-term investor looking to build wealth, you’ve come to the right place. Today, we’re diving deep into this financial services player to break down its strengths, weaknesses, opportunities, and threats. I’ll keep this conversational and packed with insights, so let’s get started with a quick overview of who Synchrony Financial is and what’s been happening with them lately. Synchrony Financial is a major…
