Synchrony Financial (SYF)
Company Info
| ISIN | US87165B1035 |
|---|---|
| CUSIP | 87165B103 |
| Sector | Financial Services |
| Industry | Credit Services |
| IPO Date | Jul 31, 2014 |
Highlights
| Market Cap | $25.54B |
|---|---|
| EPS (TTM) | $7.70 |
| PE Ratio | 8.52 |
| PEG Ratio | 1.80 |
| Total Revenue (TTM) | $19.50B |
| Gross Profit (TTM) | $15.58B |
| EBITDA (TTM) | $8.51B |
| Year Range | $28.21 - $67.76 |
| Target Price | $60.04 |
| Short % | 5.06% |
| Short Ratio | 4.02 |
Share Price Chart
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Compare to other instruments
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Popular comparisons: SYF vs. COF, SYF vs. MUFG, SYF vs. VOO, SYF vs. SPY, SYF vs. AER, SYF vs. SYK, SYF vs. SMH, SYF vs. VTI, SYF vs. ALLY, SYF vs. JEF
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Synchrony Financial, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
Synchrony Financial had a return of 75.62% year-to-date (YTD) and 126.81% in the last 12 months. Over the past 10 years, Synchrony Financial had an annualized return of 10.80%, while the S&P 500 had an annualized return of 11.43%, indicating that Synchrony Financial did not perform as well as the benchmark.
| Period | Return | Benchmark |
|---|---|---|
| Year-To-Date | 75.62% | 25.82% |
| 1 month | 23.99% | 3.20% |
| 6 months | 47.55% | 14.94% |
| 1 year | 126.81% | 35.92% |
| 5 years (annualized) | 15.48% | 14.22% |
| 10 years (annualized) | 10.80% | 11.43% |
Monthly Returns
The table below presents the monthly returns of SYF, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | 1.78% | 6.94% | 4.41% | 1.99% | 0.14% | 7.74% | 7.63% | -0.49% | -0.76% | 10.55% | 75.62% | ||
| 2023 | 11.78% | -2.18% | -18.57% | 1.48% | 5.74% | 9.56% | 2.57% | -6.54% | -5.30% | -7.43% | 15.37% | 18.02% | 19.76% |
| 2022 | -8.19% | 0.95% | -18.63% | 6.36% | 0.62% | -25.43% | 22.08% | -2.18% | -13.92% | 26.95% | 5.68% | -12.56% | -27.43% |
| 2021 | -3.05% | 15.65% | 5.12% | 8.11% | 8.39% | 2.34% | -2.65% | 5.81% | -1.75% | -4.52% | -3.57% | 3.57% | 36.40% |
| 2020 | -10.00% | -9.62% | -44.71% | 23.00% | 4.09% | 8.79% | 0.82% | 12.11% | 5.48% | -3.56% | 21.78% | 13.92% | -0.08% |
| 2019 | 28.05% | 9.32% | -2.18% | 8.68% | -2.40% | 3.09% | 3.49% | -10.12% | 6.37% | 3.75% | 6.43% | -3.74% | 57.48% |
| 2018 | 2.77% | -7.94% | -7.86% | -1.07% | 4.89% | -3.61% | -13.30% | 10.21% | -1.86% | -7.08% | -9.40% | -9.70% | -37.84% |
| 2017 | -1.24% | 1.54% | -5.35% | -18.95% | -2.98% | 11.06% | 1.68% | 2.06% | 0.84% | 5.06% | 10.52% | 7.58% | 8.35% |
| 2016 | -6.54% | -5.17% | 6.35% | 6.66% | 2.06% | -18.97% | 10.28% | 0.29% | 0.61% | 2.11% | 21.44% | 4.95% | 20.38% |
| 2015 | 3.73% | 3.53% | -5.01% | 2.64% | 3.66% | 1.98% | 4.34% | -4.10% | -5.01% | -1.73% | 3.48% | -4.46% | 2.22% |
| 2014 | 12.13% | -4.81% | 10.06% | 7.36% | 2.55% | 29.35% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current risk-adjusted rank of SYF is 96, placing it in the top 4% of stocks on our website in terms of risk-adjusted performance. This ranking is based on the combined values of the indicators listed below.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Synchrony Financial (SYF) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
Synchrony Financial provided a 1.52% dividend yield over the last twelve months, with an annual payout of $1.00 per share. The company has been increasing its dividends for 7 consecutive years.
| Period | TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.00 | $0.96 | $0.90 | $0.88 | $0.88 | $0.86 | $0.72 | $0.56 | $0.26 |
Dividend yield | 1.52% | 2.51% | 2.74% | 1.90% | 2.54% | 2.39% | 3.07% | 1.45% | 0.72% |
Monthly Dividends
The table displays the monthly dividend distributions for Synchrony Financial. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $1.00 | |
| 2023 | $0.00 | $0.23 | $0.00 | $0.00 | $0.23 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.96 |
| 2022 | $0.00 | $0.22 | $0.00 | $0.22 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.90 |
| 2021 | $0.00 | $0.22 | $0.00 | $0.22 | $0.00 | $0.00 | $0.22 | $0.00 | $0.00 | $0.22 | $0.00 | $0.00 | $0.88 |
| 2020 | $0.00 | $0.22 | $0.00 | $0.00 | $0.22 | $0.00 | $0.22 | $0.00 | $0.00 | $0.22 | $0.00 | $0.00 | $0.88 |
| 2019 | $0.00 | $0.21 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.22 | $0.00 | $0.00 | $0.22 | $0.00 | $0.86 |
| 2018 | $0.00 | $0.15 | $0.00 | $0.00 | $0.15 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.21 | $0.00 | $0.72 |
| 2017 | $0.00 | $0.13 | $0.00 | $0.00 | $0.13 | $0.00 | $0.00 | $0.15 | $0.00 | $0.00 | $0.15 | $0.00 | $0.56 |
| 2016 | $0.13 | $0.00 | $0.00 | $0.13 | $0.00 | $0.26 |
Dividend Yield & Payout
Dividend Yield
Payout Ratio
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Worst Drawdowns
The table below displays the maximum drawdowns of the Synchrony Financial. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Synchrony Financial was 66.37%, occurring on Mar 23, 2020. Recovery took 205 trading sessions.
The current Synchrony Financial drawdown is 2.83%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -66.37% | Jan 29, 2018 | 541 | Mar 23, 2020 | 205 | Jan 13, 2021 | 746 |
| -46.65% | Oct 20, 2021 | 387 | May 4, 2023 | 297 | Jul 11, 2024 | 684 |
| -35.09% | Jul 21, 2015 | 237 | Jun 27, 2016 | 113 | Dec 6, 2016 | 350 |
| -29.56% | Jan 5, 2017 | 92 | May 17, 2017 | 139 | Dec 4, 2017 | 231 |
| -15.71% | Jul 18, 2024 | 13 | Aug 5, 2024 | 46 | Oct 9, 2024 | 59 |
Volatility
Volatility Chart
The current Synchrony Financial volatility is 19.72%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Financials
Financial Performance
Valuation
The Valuation section provides an assessment of the market value of Synchrony Financial compared to its peers in the Credit Services industry.
PE Ratio
The chart displays the price to earnings (P/E) ratio for SYF in comparison to other companies of the Credit Services industry. Currently, SYF has a PE value of 8.5. This PE ratio falls in the average range for the industry.PEG Ratio
The chart displays the price to earnings to growth (PEG) ratio for SYF in comparison to other companies of the Credit Services industry. Currently, SYF has a PEG value of 1.8. This PEG ratio is much higher than those of other companies of the industry. This might be an indicator of the company being overvalued.Historical P/E Ratio Chart
The chart below displays the historical trend of the price-to-earnings (P/E) ratio for Synchrony Financial.
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Income Statement
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