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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| SYF | +12.2% | +125.52% | +17.64% | +311% |
| S&P | +13.95% | +78.35% | +12.25% | +260% |
Synchrony Financial engages in the provision of consumer financial services. The firm is also involved in managing credit products through the following sales platforms: Home and Auto, Digital, Diversified and Value, Health and Wellness, and Lifestyle. The company was founded on September 12, 2003 and is headquartered in Stamford, CT.
Could Synchrony Financial be the hidden gem you've been searching for? Join us as we break down its strengths, weaknesses, and future potential in this insightful episode of Motley Fool Scoreboard.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $4.77B | -3.1% |
| Gross Profit | $3.89B | -0.9% |
| Gross Margin | 81.51% | 1.8% |
| Market Cap | $30.05B | 18.7% |
| Market Cap / Employee | $1.50M | 0.0% |
| Employees | 20K | 0.0% |
| Net Income | $751.00M | -3.0% |
| EBITDA | $2.69B | -4.6% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Net Cash | $14.97B | 1.8% |
| Inventory | 0 | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $12.93B | 31.8% |
| Short Term Debt | $2.25B | -60.2% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 2.98% | 0.0% |
| Return On Invested Capital | 11.00% | 0.2% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $2.45B | 4.3% |
| Operating Free Cash Flow | $2.45B | 4.3% |
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 7.27 | 8.11 | 7.76 | 8.99 | 17.99% |
| Price to Book | 1.34 | 1.65 | 1.68 | 1.90 | 10.63% |
| Price to Sales | 1.05 | 1.30 | 1.36 | 1.56 | 26.25% |
| Price to Tangible Book Value | 1.55 | 1.92 | 1.94 | 2.20 | 10.58% |
| Price to Free Cash Flow TTM | 2.21 | 2.70 | 2.84 | 3.19 | 16.72% |
| Enterprise Value to EBITDA | 6.23 | 8.55 | 8.97 | 11.64 | 18.61% |
| Free Cash Flow Yield | 45.2% | 37.1% | 35.2% | 31.3% | -14.33% |
| Return on Equity | 18.6% | 20.2% | 21.6% | 21.3% | -7.20% |
| Total Debt | $17.01B | $16.01B | $14.43B | $15.18B | -1.81% |
Here's what we're watching in the financial sector today.
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