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Synchrony Financial SYF Stock Quote

| Rating as of

NYSE: SYF

Last close prices updated as of Feb 03, 2023, 7:00 PM EST | USD | BATS BZX Real-Time Price
  • Last Close 37.05
  • Sector Financial Services
  • Industry Credit Services
  • Investment Style Mid Value
  • Day Range 36.66  –  38.00
  • Year Range 27.22  –  45.56
  • Market Cap 16.2353 Bil
  • Volume / Avg 5.7 Mil /  5.4 Mil
  • Price / Sales 1.12
  • Price / Book 1.34
  • Forward Div Yield 2.48%
  • Trailing Div Yield 3.05%

Morningstar‘s Stock Analysis SYF

Valuation
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Is it the right time to buy or sell?
Is it the right time to buy or sell?

1-Star Price

INVESTOR

5-Star Price

INVESTOR

Economic Moat

INVESTOR

Capital Allocation

INVESTOR

Rising Credit and Funding Costs Are a Headwind to Synchrony’s Otherwise Solid Q4 Results

Michael Miller Equity Analyst

Analyst Note

| Michael Miller |

No-moat-rated Synchrony Financial reported decent fourth-quarter earnings that were largely in line with our expectations, as impressive loan growth was offset by rising credit losses and funding costs. The bank’s net interest income increased 7.2% from last year and 4.5% sequentially to $4.1 billion. Earnings per share fell 14.8% from last year to $1.26, which translates to a return on equity of 17.5%. The drop in earnings was primarily due to higher credit loss provisioning, with Synchrony building $425 million in reserves versus $72 million last year. As we incorporate these results, we are maintaining our $41 fair value estimate.

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Key Statistics SYF

Company Profile SYF

Business Description

Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).

Contact
777 Long Ridge Road
Stamford, CT, 06902
Industry Credit Services
Employees 18,000

Related Articles SYF

FAQs for Synchrony Financial Stock

No. SYF does not currently have a forward dividend yield.
Dividend yield allows investors, particularly those interested in dividend-paying stocks, to compare the relationship between a stock’s price and how it rewards stockholders through dividends. The formula for calculating dividend yield is to divide the annual dividend paid per share by the stock price.

Learn more about dividend yield.

SYF’s market cap is 16.24 Bil.
Market capitalization is calculated by taking a company’s share price and multiplying it by the total number of shares. It’s often used to measure a company’s size. In the Morningstar Style Box, large-cap names account for the largest 70% of U.S. stocks, mid-cap names account for the largest 70–90%, and small-cap names are the remaining 10% of companies.

Learn more about market capitalization.

SYF’s stock style is Mid Value.
Style is an investment factor that has a meaningful impact on investment risk and returns. Style is calculated by combining value and growth scores, which are first individually calculated.

High-growth stocks tend to represent the technology, healthcare, and communications sectors. They rarely distribute dividends to shareholders, opting for reinvestment in their businesses. More value-oriented stocks tend to represent financial services, utilities, and energy stocks. These are established companies that reliably pay dividends.

Learn more about style.

SYF’s beta can be found in Trading Information at the top of this page.
A stock’s beta measures how closely tied its price movements have been to the performance of the overall market.

Compare SYF’s historical performance against its industry peers and the overall market.