Summary
Profile
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Company Info

Industry Finance/Rental/Leasing
Sector Finance
Employees 16,500
CEO Mr. Brian D. Doubles
Address 777 Long Ridge Road , Stamford, CT 06902-1250
Phone 1.203.585.2400
Website www.synchrony.com

Synchrony Financial engages in the provision of consumer financial services. It operates through three sales platforms: Retail Card, Payment Solutions, and CareCredit. The Retail Card platform is a provider of private label credit cards, and also provides Dual Cards and small-and medium-sized business credit products. The Payment Solutions platform is a provider of promotional financing for major consumer purchases, offering private label credit cards and instalment loans. The CareCredit platform is a provider of promotional financing to consumers for elective healthcare procedures or services, such as dental, veterinary, cosmetic, vision and audiology. The company was founded on September 12, 2003 and is headquartered in Stamford, CT.

Competitors

Company Name 3 Month
%Change
1 Year
%Change
Synchrony Financial 2.47% 75.10%
Wells Fargo & Co. 9.72% 83.41%
Morgan Stanley 17.29% 97.40%
Blackstone, Inc. 28.62% 141.87%
Royal Bank of Canada -2.93% 35.46%

Statement Summary

as of 4:10 ET PM 09/20/2021
Total Assets (MRQ) 92.0 B
Total Liabilities (MRQ) 77.8 B
Shareholders’ Equity (MRQ) 14.2 B
Total Revenue (Annual) 2.7 B
Net Income (Annual) 1.2 B

Earnings And Estimates

as of 4:10 ET PM 09/20/2021

Current Qtr EPS Estimate 1.40
Current FY EPS Estimate 6.61
Long Term EPS Growth Estimate 58.00
Next Expected Earnings Date 10/15/2021

SYF vs S&P 500

as of 09/20/2021
Relative To
S&P 500
SYF
4 Weeks n/a n/a
12 Weeks n/a n/a
YTD n/a n/a

Earnings Surprises

as of 4:10 ET PM 09/20/2021
Fiscal Quarter Estimate Actual Surprise
06/2021 1.39 2.12 +52.40%
03/2021 1.37 1.73 +26.04%
12/2020 0.90 1.24 +37.34%
09/2020 0.74 0.63 -14.78%
06/2020 0.13 0.06 -55.09%
03/2020 -0.19 0.45 -339.42%
12/2019 1.07 1.20 +12.16%
09/2019 1.13 1.22 +8.38%

Financial Strength

as of 4:10 ET PM 09/20/2021
Pre-Tax Margin 61.67
Net Margin 2.00
Operating Margin 58.89
Return On Equity 25.43
Return On Assets 3.52
Inventory Turnover (TTM) 0.00
Sales Growth (MRQ) 3.34

Ratios

as of 4:10 PM ET 09/20/2021
Price/Earnings (TTM) 8.44
Price/Book (MRQ) 2.01
Price/Cash Flow (TTM) 4.02
Book Value (MRQ) 23.48
Quick Ratio (MRQ) 0.00
Current Ratio (MRQ) 0.00
Total Debt/Equity (MRQ) 0.95

Short Interest

as of 2:53 PM ET 09/21/2021
% Short - 2.00%
% Remaining Float - 98.00%
Current Last Month
Short Interest Date 08/31/2021 08/13/2021
Short Interest Shares 11,326,111 10,492,957
Short Interest Ratio 2.7 2.7
M Y M Y
Total Assets 0,0.00 0,0.00
Total Liabilities 0,0.00 0,0.00
Total Equity 0,0.00 0,0.00
M Y M Y
Total Revenue 0,0.00 0,0.00
EBT Exc.
Unusual Items
0,0.00 0,0.00
Net Income 0,0.00 0,0.00
M Y M Y
Cash from
Operations
0,0.00 0,0.00
Cash from
Activities
0,0.00 0,0.00
Cash from
Fin. Activities
0,0.00 0,0.00

TOTAL ASSETS

TOTAL LIABILITIES

TOTAL EQUITY

Balance Sheet

M Y
ASSETS
Cash And Equivalents 0,0.00
Receivables 0,0.00
Inventories 0,0.00
Other Current Assets 0,0.00
Total Current Assets 0,0.00
Property, Plant & Equipment, Gross 0,0.00
Accumulated Depreciation & Depletion 0,0.00
Property, Plant & Equipment, Net 0,0.00
Intangibles 0,0.00
Other Non-Current Assets 0,0.00
Total Non-Current Assets 0,0.00
TOTAL ASSETS 0,0.00
Liabilities & Shareholder Equity
Accounts Payable 0,0.00
Short Term Debt 0,0.00
Total Current Liabilities 0,0.00
Long Term Debt 0,0.00
Deferred Income Taxes 0,0.00
Other Non-Current Liabilities 0,0.00
Minority Interest 0,0.00
Total Non-Current Liabilities 0,0.00
Preferred Stock Equity 0,0.00
Common Stock Equity 0,0.00
Common Par 0,0.00
Additional Paid In Capital 0,0.00
Cumulative Translation Adjustment 0,0.00
Retained Earnings 0,0.00
Treasury Stock 0,0.00
Other Equity Adjustments 0,0.00
Total Capitalization 0,0.00
TOTAL EQUITY 0,0.00
TOTAL LIABILITIES & STOCK EQUITY 0,0.00
Total Common Shares Outstanding 0,0.00
Preferred Shares 0,0.00
Treasury Shares 0,0.00
Basic Weighted Shares Outstanding 0,0.00
Diluted Weighted Shares Outstanding 0,0.00
Number Of Employees 0,0.00
Number Of Part-Time Employees 0,0.00

TOTAL REVENUES

EBT Excluding Unusual Items

NET INCOME

Income Statement

M Y
Sales 0,0.00
Cost Of Sales 0,0.00
Gross Operating Profit 0,0.00
Selling, General, And Administrative Expenses 0,0.00
Research & Development 0,0.00
Operating Income Before D & A (EBITDA) 0,0.00
Depreciation & Amortization 0,0.00
Interest Income 0,0.00
Other Income - Net 0,0.00
Special Income / Charges 0,0.00
Total Income Before Interest Expenses (EBIT) 0,0.00
Interest Expense 0,0.00
Pre-Tax Income 0,0.00
Income Taxes 0,0.00
Minority Interest 0,0.00
Net Income From Continuing Operations 0,0.00
Net Income From Discontinued Operations 0,0.00
Net Income From Total Operations 0,0.00
Extraordinary Income/Losses 0,0.00
Income From Cum. Effect Of Acct. Change 0,0.00
Income From Tax Loss Carryforward 0,0.00
Other Gains / Losses 0,0.00
Total Net Income 0,0.00
Normalized Income
(Net Income From Continuing Operations,
Ex. Special Income / Charge)
0,0.00
Preferred Dividends 0,0.00
Net Income Available To Common 0,0.00
Basic EPS From Continuing Ops. 0,0.00
Basic EPS From Discontinued Ops. 0,0.00
Basic EPS From Total Operations 0,0.00
Basic EPS From Extraordinary Inc. 0,0.00
Basic EPS From Cum Effect Of Accounting Change 0,0.00
Basic EPS From Tax Loss Carryf'd. 0,0.00
Basic EPS From Other Gains (Losses) 0,0.00
Basic EPS, Total 0,0.00
Basic Normalized Net Income/Share 0,0.00
EPS From Continuing Ops. 0,0.00
EPS From Discontinued Ops 0,0.00
EPS From Total Ops. 0,0.00
EPS From Extraord. Inc. 0,0.00
EPS From Cum Effect of Accounting Change 0,0.00
EPS From Tax Loss Carfd. 0,0.00
EPS From Other Gains (L) 0,0.00
EPS, Total 0,0.00
Diluted Normalized Net Inc/Shr
(Net Income From Continuing Operations,
Ex. Special Income / Charge)
0,0.00
Dividends Paid Per Share 0,0.00

CASH FROM OPERATIONS

CASH FROM INVESTING ACTIVITIES

CASH FROM FINANCING ACTIVITIES

Cash Flow Statement

M Y
Cash Flow From Operating Activities
Net Income (Loss) 0,0.00
Operating Gains/Losses 0,0.00
Gross Operating Profit 0,0.00
(Increase) Decrease In Receivables 0,0.00
(Increase) Decrease In Inventories 0,0.00
(Increase) Decrease In Other Current Assets 0,0.00
(Decrease) Increase In Other Current Liabilities 0,0.00
(Increase) Decrease In Other Working Capital 0,0.00
Other Non-Cash Items 0,0.00
Net Cash From Continuing Operations 0,0.00
Net Cash From Discontinued Operations 0,0.00
Cash Provided By Investing Activities
Net Cash From Total Operating Activities 0,0.00
Sale Of Property, Plant & Equipment 0,0.00
Cash Used For Investing Activities
Sale Of Short-Term Investments 0,0.00
Purchases Of Property, Plant & Equipment 0,0.00
Acquisitions 0,0.00
Purchases Of Short-Term Investments 0,0.00
Other Cash From Investing Activities 0,0.00
Cash Provided by Financing Activities
Net Cash From Investing Activities 0,0.00
Issuance Of Debt 0,0.00
Cash Used For Financing Activities
Issuance Of Capital Stock 0,0.00
Repayment Of Long-Term Debt 0,0.00
Repurchase Of Capital Stock 0,0.00
Payment Of Cash Dividends 0,0.00
Other Financing Charges, Net 0,0.00
Net Cash From Financing Activities 0,0.00
Effect Of Exchange Rate Changes 0,0.00
Net Change In Cash & Cash Equivalents 0,0.00

Earnings Estimates

as of 4:10 ET PM 09/20/2021
Current Qtr
(09/2021)
Next Qtr
(12/2021)
Consensus Estimate $1.40 $1.33
# of Estimates 19 19
High Estimate $1.69 $1.70
Low Estimate $1.13 $0.95
Year Ago EPS $0.52 $1.25
Year Over Year Growth Estimate 170.59% 6.89%
Current Yr
(12/2021)
Next Yr
(12/2022)
Consensus Estimate $6.61 $5.39
# of Estimates 18 19
High Estimate $7.11 $6.58
Low Estimate $6.15 $4.50
Year Ago EPS $2.27 $6.61
Year Over Year Growth Estimate 191.14% -18.40%
Current Qtr
(09/2021)
Next Qtr
(12/2021)
Current Year
(12/2021)
Next Year
(12/2022)
Consensus Estimate $1.40 $1.33 $6.61 $5.39
# of Estimates 19 19 18 19
High Estimate $1.69 $1.70 $7.11 $6.58
Low Estimate $1.13 $0.95 $6.15 $4.50
Year Ago EPS $0.52 $1.25 $2.27 $6.61
Year Over Year Growth Estimate 170.59% 6.89% 191.14% -18.40%

Insider Information Summary

as of 08/31/2021
% Insiders - 0.43%
% Remaining Total Shares - 99.57%
Current 1 Month
Net Insider Transaction 6.46 K 6.59 K
Shares Bought 56.39 K 56.53 K
Shares Sold 49.94 K 49.94 K

Insider Activity

Transaction Date Insider/Title Transaction Type Market Value Shares Average Price Current Holdings

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