Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
Employees20,000IPONov 18, 2015SIC6159HQ777 Long Ridge Road, Stamford, CT, USA, 06902
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Financials (EUR)
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
—
Net Margin
24.1%
OCF Margin
65.7%
FCF Margin
65.7%
Returns on Capital
ROE
21.5%
ROA
3.0%
ROIC
—
ROCE
0.0%
ROC (Greenblatt)
0.0%
3Y ROIIC
0.0%
Consistency
Years Profitable / 10Y
10
Valuation
Metric
Current
Earnings Multiples
P/E (TTM)
7.89
Forward P/E
8.23
P/E ex-NRI
7.89
Shiller P/E (CAPE)
12.10
Cash Flow Multiples
P/FCF
2.82
P/OCF
2.82
P/Owner Earnings
—
FCF Yield
38.30%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
—
EV / EBITDA
—
EV / Forward EBITDA
—
EV / Revenue
1.52
EV / Forward Revenue
2.82
Asset / Sales
P/S
1.85
P/B
1.69
P/Tangible Book
2.03
Growth-Adjusted
PEG
0.46
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
1.54%
Forward Dividend Yield
1.54%
3Y Dividend Growth
8.5%
Payout Ratio
0.12
5Y Yield on Cost
1.98%
Buybacks & Dilution
3Y Buyback Ratio
7.40%
Combined
Shareholder Yield
15.82%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
1.00
Gross Debt / EBITDA
—
Cash / Debt
1.25
Equity / Assets
0.14
Coverage
Interest Coverage
—
Short-Term Liquidity
Current Ratio
0.00
Quick Ratio
0.00
Cash Ratio
0.00
Composite Scores
Piotroski F-Score
8
Altman Z-Score
—
Split History
Date
Split
No split history found.
Ex-date
Amount
Pay date
2026-05-05
$0.3
2026-05-15
2026-02-06
$0.3
2026-02-17
2025-11-05
$0.3
2025-11-17
2025-08-05
$0.3
2025-08-15
2025-05-05
$0.3
2025-05-15
2025-02-03
$0.25
2025-02-18
2024-11-04
$0.25
2024-11-15
2024-08-05
$0.25
2024-08-15
2024-05-03
$0.25
2024-05-15
2024-02-02
$0.25
2024-02-15
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View allDate
Transcript
Type
2026-06-24
Synchrony Financial Annual Shareholders Meeting Transcript
Shareholders and Annual Meetings
2026-06-09
Synchrony Financial at Morgan Stanley US Financials Conference Transcript
Conference Presentations
2026-04-21
Q1 2026 Synchrony Financial Earnings Call Transcript
Earnings Call
2026-03-10
Synchrony Financial at RBC Capital Markets Global Financial Institutions Conference Transcript
Conference Presentations
2026-01-27
Q4 2025 Synchrony Financial Earnings Call Transcript
Earnings Call
2025-12-09
Synchrony Financial at Goldman Sachs U.S. Financial Services Conference Transcript
Conference Presentations
2025-10-15
Q3 2025 Synchrony Financial Earnings Call Transcript
Earnings Call
2025-07-22
Q2 2025 Synchrony Financial Earnings Call Transcript
Earnings Call
2025-04-22
Q1 2025 Synchrony Financial Earnings Call Transcript
Earnings Call
2025-01-28
Q4 2024 Synchrony Financial Earnings Call Transcript
Earnings Call
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5-Step DuPont Analysis
ROE %
20.91%
×
×
Net Margin %
24.06%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
€12.86B
×
Tax Burden
0.7687
Net Income
€3.09B
÷
Pretax Income
€4.03B
×
Interest Burden
—
Pretax Income
€4.03B
÷
Operating Income
—
×
Asset Turnover
0.12
÷
Revenue
€12.86B
÷
Average Total Assets
€108.99B
Begin Total Assets
€112.87B
End Total Assets
€105.10B
×
Equity Multiplier
7.37
÷
Avg Total Assets
€108.99B
÷
Avg Stockholders Equity
€14.79B
Begin Equity
€15.34B
End Equity
€14.25B