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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. It 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). The Company primarily manages its credit products through five sales platforms such as 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)22.63bn
- Net income in USD2.88bn
- 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/
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credit Acceptance Corp | 2.23bn | 289.90m | 5.86bn | 2.43k | 21.56 | 3.47 | 18.46 | 2.63 | 23.42 | 23.42 | 180.31 | 145.64 | 0.2565 | -- | 254.34 | 915,466.90 | 3.34 | 6.58 | 3.78 | 7.82 | -- | -- | 13.03 | 25.99 | -- | 1.92 | 0.7967 | 0.00 | 13.70 | 7.75 | -13.35 | -17.69 | -41.73 | -- |
| Firstcash Holdings Inc | 3.39bn | 281.04m | 5.87bn | 20.00k | 21.20 | 2.85 | 15.24 | 1.73 | 6.25 | 6.25 | 75.27 | 46.40 | 0.7813 | 5.43 | 48.11 | 169,428.30 | 6.48 | 5.39 | 6.98 | 5.89 | 48.93 | 49.46 | 8.29 | 7.64 | 3.28 | 4.48 | 0.4534 | 27.53 | 7.51 | 12.69 | 18.02 | 9.47 | 9.02 | 7.44 |
| UWM Holdings Corp | 2.70bn | -8.01m | 6.67bn | 9.10k | -- | 40.43 | -- | 2.47 | -0.0573 | -0.0573 | 20.98 | 0.1031 | 0.2013 | -- | 23.17 | 296,920.60 | -0.7315 | 8.69 | -0.9264 | 10.83 | 88.41 | 92.86 | -3.63 | 39.82 | -- | 0.9218 | 0.8753 | 4.55 | 23.49 | 15.90 | 208.87 | -48.94 | 18.66 | -- |
| OneMain Holdings Inc | 5.87bn | 567.00m | 6.84bn | 9.00k | 12.18 | 2.09 | 8.07 | 1.17 | 4.72 | 4.72 | 48.89 | 27.50 | 0.2351 | -- | 419.21 | 652,111.10 | 2.27 | 3.51 | 2.27 | 3.54 | 79.20 | 80.55 | 9.66 | 15.63 | -- | -- | 0.8676 | 87.24 | 7.98 | 3.65 | -20.59 | -9.85 | -- | 32.73 |
| SLM Corp | 2.61bn | 605.34m | 6.95bn | 1.71k | 11.94 | 3.25 | 11.09 | 3.72 | 2.78 | 2.78 | 8.62 | 11.39 | -- | -- | -- | -- | 2.18 | 2.48 | -- | -- | -- | -- | 33.33 | 39.70 | -- | -- | -- | 11.54 | 1.03 | 2.36 | 4.67 | 0.9983 | -- | 30.83 |
| Upstart Holdings Inc | 722.11m | -66.43m | 7.38bn | 1.19k | -- | 10.90 | -- | 10.22 | -0.7474 | -0.7474 | 7.69 | 7.12 | 0.3419 | -- | 17.27 | 605,285.00 | -3.15 | -4.41 | -3.63 | -5.25 | 77.97 | 78.81 | -9.20 | -10.94 | -- | -13.71 | 0.6636 | -- | 23.94 | 31.13 | 46.45 | -- | 13.61 | -- |
| Mr Cooper Group Inc | 2.22bn | 576.00m | 9.48bn | 7.90k | 16.82 | 1.94 | 15.05 | 4.27 | 8.81 | 8.81 | 33.98 | 76.41 | 0.1337 | -- | -- | 281,139.30 | 3.47 | 4.61 | 3.89 | 5.88 | -- | -- | 25.93 | 30.96 | -- | -- | 0.7159 | 0.00 | 24.02 | 2.92 | 33.80 | 21.18 | 94.07 | -- |
| Ally Financial Inc | 14.03bn | 177.00m | 12.36bn | 10.70k | 71.75 | 1.04 | 8.71 | 1.45 | 0.5608 | 0.5576 | 27.50 | 46.34 | -- | -- | -- | -- | 0.1486 | 0.7984 | -- | -- | -- | -- | 3.37 | 17.17 | -- | -- | -- | 24.64 | 1.89 | 7.61 | -34.16 | -20.13 | -2.97 | 12.03 |
| SoFi Technologies Inc | 2.91bn | 472.29m | 24.42bn | 5.00k | 52.81 | 3.65 | 35.77 | 8.72 | 0.4183 | 0.4183 | 2.48 | 6.05 | -- | -- | -- | -- | 1.40 | -0.9374 | -- | -- | -- | -- | 17.19 | -10.48 | -- | -- | -- | -- | 36.90 | 35.79 | 240.44 | -- | 34.20 | -- |
| Synchrony Financial | 22.63bn | 2.88bn | 26.72bn | 20.00k | 9.64 | 1.74 | 7.93 | 1.44 | 7.28 | 7.28 | 46.94 | 43.57 | -- | -- | -- | -- | 2.44 | 2.73 | -- | -- | -- | -- | 15.94 | 17.44 | -- | -- | -- | 15.99 | 9.34 | 3.47 | 56.06 | -1.77 | -- | 2.82 |
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Mar 2025 | 46.47m | 11.95% |
| Capital Research & Management Co. (World Investors)as of 31 Mar 2025 | 39.38m | 10.13% |
| BlackRock Fund Advisorsas of 31 Mar 2025 | 21.43m | 5.51% |
| SSgA Funds Management, Inc.as of 31 Mar 2025 | 19.07m | 4.91% |
| Geode Capital Management LLCas of 31 Mar 2025 | 10.34m | 2.66% |
| PAR Capital Management, Inc.as of 31 Mar 2025 | 7.50m | 1.93% |
| First Trust Advisors LPas of 31 Mar 2025 | 6.83m | 1.76% |
| Managed Account Advisors LLCas of 31 Mar 2025 | 6.03m | 1.55% |
| BlackRock Investment Management (UK) Ltd.as of 31 Mar 2025 | 5.36m | 1.38% |
| Norges Bank Investment Managementas of 31 Dec 2024 | 5.35m | 1.38% |
