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Synchrony Financial (SYF)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US87165B1035

CUSIP

87165B103

Sector

Financial Services

IPO Date

Jul 31, 2014

Highlights

Market Cap

$25.07B

EPS (TTM)

$7.70

PE Ratio

8.36

PEG Ratio

1.77

Total Revenue (TTM)

$18.32B

Gross Profit (TTM)

$14.40B

EBITDA (TTM)

$8.80B

Year Range

$28.51 - $67.76

Target Price

$63.06

Short %

4.31%

Short Ratio

3.38

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
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.


0.00%10.00%20.00%30.00%40.00%50.00%60.00%JuneJulyAugustSeptemberOctoberNovember
53.53%
12.93%
SYF (Synchrony Financial)
Benchmark (^GSPC)

Returns By Period

Synchrony Financial had a return of 74.39% year-to-date (YTD) and 124.39% in the last 12 months. Over the past 10 years, Synchrony Financial had an annualized return of 10.74%, which was very close to the S&P 500 benchmark's annualized return of 11.16%.


SYF

YTD

74.39%

1M

17.54%

6M

53.53%

1Y

124.39%

5Y (annualized)

15.09%

10Y (annualized)

10.74%

^GSPC (Benchmark)

YTD

24.72%

1M

1.67%

6M

12.93%

1Y

30.55%

5Y (annualized)

13.88%

10Y (annualized)

11.16%

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.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20241.78%6.94%4.41%1.99%0.14%7.74%7.63%-0.49%-0.76%10.55%74.39%
202311.78%-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%
201928.05%9.32%-2.18%8.68%-2.40%3.09%3.49%-10.12%6.37%3.75%6.43%-3.74%57.48%
20182.77%-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%
20153.73%3.53%-5.01%2.64%3.66%1.98%4.34%-4.10%-5.01%-1.73%3.48%-4.46%2.22%
201412.13%-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 97, placing it in the top 3% of stocks on our website in terms of risk-adjusted performance. This ranking is based on the combined values of the indicators listed below.


The Risk-Adjusted Performance Rank of SYF is 9797
Combined Rank
The Sharpe Ratio Rank of SYF is 9898
Sharpe Ratio Rank
The Sortino Ratio Rank of SYF is 9898
Sortino Ratio Rank
The Omega Ratio Rank of SYF is 9696
Omega Ratio Rank
The Calmar Ratio Rank of SYF is 9494
Calmar Ratio Rank
The Martin Ratio Rank of SYF is 9898
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

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.


Sharpe ratio
The chart of Sharpe ratio for SYF, currently valued at 3.56, compared to the broader market-4.00-2.000.002.004.003.562.54
The chart of Sortino ratio for SYF, currently valued at 4.66, compared to the broader market-4.00-2.000.002.004.004.663.40
The chart of Omega ratio for SYF, currently valued at 1.58, compared to the broader market0.501.001.502.001.581.47
The chart of Calmar ratio for SYF, currently valued at 3.11, compared to the broader market0.002.004.006.003.113.66
The chart of Martin ratio for SYF, currently valued at 26.15, compared to the broader market0.0010.0020.0030.0026.1516.26
SYF
^GSPC

The current Synchrony Financial Sharpe ratio is 3.56. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of Synchrony Financial with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.

Rolling 12-month Sharpe Ratio1.001.502.002.503.003.50JuneJulyAugustSeptemberOctoberNovember
3.56
2.54
SYF (Synchrony Financial)
Benchmark (^GSPC)

Dividends

Dividend History

Synchrony Financial provided a 1.54% 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.


1.00%1.50%2.00%2.50%3.00%$0.00$0.20$0.40$0.60$0.80$1.0020162017201820192020202120222023
Dividends
Dividend Yield
PeriodTTM20232022202120202019201820172016
Dividend$1.00$0.96$0.90$0.88$0.88$0.86$0.72$0.56$0.26

Dividend yield

1.54%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.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
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
5.0%10.0%15.0%1.5%
Synchrony Financial has a dividend yield of 1.54%, which signifies it pays a smaller percentage of its stock price in dividends to its shareholders compared to other companies in the market.
Payout Ratio
200.0%400.0%600.0%800.0%13.1%
Synchrony Financial has a payout ratio of 13.05%, which is below the market average. This means Synchrony Financial returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.

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.


-15.00%-10.00%-5.00%0.00%JuneJulyAugustSeptemberOctoberNovember
-3.51%
-0.88%
SYF (Synchrony Financial)
Benchmark (^GSPC)

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 3.51%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-66.37%Jan 29, 2018541Mar 23, 2020205Jan 13, 2021746
-46.65%Oct 20, 2021387May 4, 2023297Jul 11, 2024684
-35.09%Jul 21, 2015237Jun 27, 2016113Dec 6, 2016350
-29.56%Jan 5, 201792May 17, 2017139Dec 4, 2017231
-15.71%Jul 18, 202413Aug 5, 202446Oct 9, 202459

Volatility

Volatility Chart

The current Synchrony Financial volatility is 19.03%, 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.


0.00%5.00%10.00%15.00%20.00%JuneJulyAugustSeptemberOctoberNovember
19.03%
3.96%
SYF (Synchrony Financial)
Benchmark (^GSPC)

Financials

Financial Performance

The chart below illustrates the trends in the financial health of Synchrony Financial over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

Annual
Quarterly

0.0

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
20.040.060.080.0100.08.4
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 8.4. This PE ratio falls in the average range for the industry.
PEG Ratio
-15.0-10.0-5.00.05.01.8
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



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items