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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| SYF | +10.38% | +162.67% | +21.31% | +284% |
| S&P | +13.66% | +87.02% | +13.34% | +247% |
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.
The store-card lender saw a big increase in net interest income.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $4.83B | -3.1% |
| Gross Profit | $3.93B | -0.2% |
| Gross Margin | 81.34% | 2.4% |
| Market Cap | $26.43B | 34.1% |
| Market Cap / Employee | $1.32M | 0.0% |
| Employees | 20K | 0.0% |
| Net Income | $1.08B | 36.5% |
| EBITDA | $2.86B | -1.8% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $16.25B | -9.4% |
| Inventory | 0 | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $14.43B | -6.6% |
| Short Term Debt | $0.00M | -100.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 3.03% | 0.3% |
| Return On Invested Capital | 11.00% | 0.2% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $2.64B | -4.6% |
| Operating Free Cash Flow | $2.64B | -4.6% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 7.62 | 7.27 | 8.11 | 7.76 | 19.28% |
| Price to Book | 1.71 | 1.34 | 1.65 | 1.68 | 22.05% |
| Price to Sales | 1.24 | 1.05 | 1.30 | 1.36 | 41.94% |
| Price to Tangible Book Value | 1.99 | 1.55 | 1.92 | 1.94 | 21.01% |
| Price to Free Cash Flow TTM | 2.74 | 2.21 | 2.70 | 2.84 | 34.28% |
| Enterprise Value to EBITDA | 9.81 | 6.23 | 8.55 | 8.97 | 39.89% |
| Free Cash Flow Yield | 36.5% | 45.2% | 37.1% | 35.2% | -25.53% |
| Return on Equity | 23.0% | 18.6% | 20.2% | 21.6% | 1.68% |
| Total Debt | $15.46B | $17.01B | $16.01B | $14.43B | -7.68% |
Here's what we're watching in the financial sector today.
This week, we discuss key developments with a couple of our favorite War on Cash stocks.
SYF earnings call for the period ending December 31, 2024.
SYF earnings call for the period ending September 30, 2024.
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