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About the company
Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. The Company primarily offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). It primarily manages its credit products through five sales platforms (Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle). The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.
- Revenue in USD (TTM)21.49bn
- Net income in USD2.89bn
- Incorporated2003
- Employees20.00k
- LocationSynchrony Financial777 Long Ridge RdSTAMFORD 06902-1250United StatesUSA
- Phone+1 (203) 585-6730
- Fax+1 (302) 655-5049
- Websitehttps://www.synchrony.com/
Mergers & acquisitions
Acquired company | SYF:NYQ since announced | Transaction value |
---|---|---|
Ally Lending | 25.52% | 154.00m |
Peer analysis
- Key Information
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- Growth Rates
Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Affirm Holdings Inc | 1.76bn | -750.32m | 9.86bn | 2.17k | -- | 3.72 | -- | 5.59 | -2.49 | -2.49 | 5.83 | 8.62 | 0.2089 | -- | 6.93 | 811,761.40 | -8.90 | -- | -9.22 | -- | -- | -- | -42.58 | -- | -- | -2.28 | 0.6971 | -- | 21.41 | -- | -39.29 | -- | -- | -- |
UWM Holdings Corp | 2.17bn | -13.23m | 10.20bn | 6.70k | -- | 5.32 | -- | 4.71 | -0.178 | -0.178 | 4.62 | 1.20 | 0.17 | -- | 41.08 | 323,205.20 | -0.5479 | 10.09 | -0.7568 | 12.33 | 89.10 | 93.83 | -3.22 | 44.39 | -- | 0.935 | 0.777 | 1.90 | 3.68 | 29.56 | -131.72 | -- | -13.08 | -- |
Ally Financial Inc | 14.25bn | 749.00m | 11.72bn | 11.10k | 15.74 | 1.03 | 6.11 | 1.31 | 2.45 | 2.45 | 29.17 | 44.93 | -- | -- | -- | -- | 0.4416 | 0.9312 | -- | -- | -- | -- | 9.61 | 20.44 | -- | -- | -- | 19.77 | 31.42 | 9.05 | -43.18 | -5.96 | -5.75 | 16.47 |
Synchrony Financial | 21.49bn | 2.89bn | 17.65bn | 20.00k | 6.31 | 1.26 | 5.26 | 0.9422 | 6.97 | 6.97 | 45.00 | 38.07 | -- | -- | -- | -- | 2.56 | 2.85 | -- | -- | -- | -- | 15.64 | 18.26 | -- | -- | -- | 16.91 | 20.79 | 2.86 | -26.16 | -4.68 | -- | 4.67 |
Corpay Inc | 3.76bn | 981.89m | 21.29bn | 10.50k | 22.43 | 6.47 | 16.16 | 5.66 | 13.21 | 13.21 | 50.53 | 45.77 | 0.2542 | -- | 1.78 | 357,878.00 | 6.64 | 6.81 | 11.76 | 11.26 | 78.18 | 78.27 | 26.13 | 29.06 | -- | 4.51 | 0.6719 | 0.00 | 9.65 | 9.08 | 2.89 | 3.27 | 13.58 | -- |
Rocket Companies Inc | 4.01bn | -15.51m | 24.54bn | 14.70k | -- | 39.26 | -- | 6.13 | -0.1301 | -0.1301 | 3.80 | 0.3149 | 0.2038 | -- | -- | 272,507.30 | -1.98 | 13.25 | -6.69 | 54.95 | -- | -- | -9.74 | 37.55 | -- | 0.2743 | 0.5248 | -- | -33.29 | -1.45 | -133.40 | -- | -1.32 | -- |
Holder | Shares | % Held |
---|---|---|
The Vanguard Group, Inc.as of 31 Dec 2023 | 51.28m | 12.60% |
Capital Research & Management Co. (World Investors)as of 31 Dec 2023 | 44.53m | 10.95% |
BlackRock Fund Advisorsas of 31 Dec 2023 | 21.95m | 5.39% |
SSgA Funds Management, Inc.as of 31 Dec 2023 | 18.72m | 4.60% |
Managed Account Advisors LLCas of 31 Dec 2023 | 17.93m | 4.41% |
Geode Capital Management LLCas of 31 Dec 2023 | 9.39m | 2.31% |
PAR Capital Management, Inc.as of 31 Dec 2023 | 8.40m | 2.07% |
Arrowstreet Capital LPas of 31 Dec 2023 | 7.21m | 1.77% |
BlackRock Investment Management (UK) Ltd.as of 31 Dec 2023 | 7.21m | 1.77% |
First Trust Advisors LPas of 31 Dec 2023 | 6.91m | 1.70% |