Synchrony Financial
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Synchrony Financial logo
no logo available
General Information
Investor relations pageIR page no data available
Founding year no data available
Headquarter , , no data available
Employees 15,000 (as per Q2 2017)no data available
Sector Credit Services, Financial ServicesCredit Services, Financial Servicesno data available
Ticker SYFno data available
Financial year endsFY ends End of Decemberno data available
Stock Information (historical prices adjusted for splits and dividends)
Adj. Closing prices (in USD) -Common sharesNov. 16Jan. 17März 17Mai 17Juli 17Sep. 172428323640
datesClosing price (adj.)
13.10.201730.82
11.10.201731.42
04.10.201731.31
27.09.201730.94
20.09.201729.00
13.09.201729.32
06.09.201729.96
30.08.201730.66
23.08.201730.31
16.08.201730.87
09.08.201730.25
02.08.201729.91
26.07.201730.42
19.07.201729.36
12.07.201729.18
05.07.201729.63
27.06.201729.29
20.06.201729.29
13.06.201728.85
06.06.201728.15
30.05.201726.96
23.05.201726.71
16.05.201726.71
09.05.201727.96
02.05.201728.60
25.04.201733.50
18.04.201732.54
11.04.201732.74
04.04.201733.41
28.03.201733.34
21.03.201732.71
14.03.201735.58
07.03.201735.26
28.02.201735.90
21.02.201736.51
14.02.201736.97
07.02.201735.71
31.01.201735.35
24.01.201735.61
17.01.201735.04
10.01.201736.48
03.01.201736.57
27.12.201636.51
19.12.201636.42
12.12.201635.47
05.12.201634.65
28.11.201633.46
21.11.201633.18
14.11.201633.28
07.11.201628.73
31.10.201628.09
24.10.201628.28
17.10.201625.95
no share price data source found
Share price data requested
Key Figures
Last Closing Price
as per Oct 13, 2017, in USD
 30.82n/a
Market Capitalisation
in million USD
 24,512n/a
Enterprise Value
in million USD
 33,201n/a
Common Shares Outstanding
as per Jul 24, 2017
 795,335,232n/a
Preferred Shares Outstanding
as per Jul 24, 2017
 n/a
Average Basic Shares Outstanding
TTM
 816,525,000n/a
Average Diluted Shares Outstanding
TTM
 819,675,000n/a
Index Membership
n/a
Business Summary
Synchrony Financial provides consumer financial products services to the diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers.
no data available
Key Financials & Ratios (all figures TTM as per Jun 30, 2017, million USD, full statements further below)
Profit & Loss
Revenues 12,376n/a
Gross Profit 0n/a
Operating Income 3,441n/a
EBITDA 3,670n/a
Net Profit 2,175n/a
Balance Sheet
Cash and Cash Equivalents 12,020n/a
Receivables 0n/a
Total Current Assets 0n/a
PP&E 0n/a
Total Assets 91,140n/a
Accounts Payable 0n/a
Current Debt 0n/a
Total Current Liabilities 0n/a
Long-Term Debt 20,709n/a
Total Liabilities 76,808n/a
Total Equity 14,332n/a
Cash Flow
Depreciation & Amortisation 229n/a
Change in Working Capital 160n/a
Operating Cash Flow 7,369n/a
Net Change in PP&E and Intangibles 0n/a
Investing Cash Flow -13,045n/a
Dividends Paid -424n/a
Financing Cash Flow 5,909n/a
Total Change in Cash 233n/a
Free Cash Flow 2,564n/a
Profitability Ratios
Gross Margin 0.0%n/a
Operating Margin 27.8%n/a
Net Profit Margin 17.6%n/a
Return on Equity 15.2%n/a
Return on Assets 2.4%n/a
Per Share Figures
Basic EPS 2.66n/a
Diluted EPS 2.65n/a
Sales per Share 15.16n/a
Book Value per Share 17.55n/a
FCF per Share 3.14n/a
Dividends per Share 0.52n/a
Price Multiples
Price to Earnings Ratio 11.57n/a
Price to Sales Ratio 2.03n/a
Price to Book Value 1.76n/a
Price to Free Cash Flow 9.81n/a
Valuation Metrics
EV/EBITDA 9.05n/a
EV/Sales 2.68n/a
Book to Market Value 0.58n/a
Other Ratios
Current Ratio 0.0%n/a
Liabilities to Equity Ratio 535.9%n/a
Debt to Assets Ratio 22.7%n/a
Profit & Loss StatementP&L data quality: 100% (?)
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in million USD FY '12FY '13FY '14FY '15FY '16
Net Revenue
8,263
8,911
9,511
10,166
11,519
Net interest income
9,564
10,571
11,320
12,093
13,530
Total Interest Income
10,309
11,313
12,242
13,228
14,778
Total Interest Expense
-745
-742
-922
-1,135
-1,248
Total Non-Interest Income
-1,301
-1,660
-1,809
-1,927
-2,011
Trading Account Profits/Losses
0
0
0
0
0
Investment Income (Loss)
0
0
0
0
0
Sale of Loan Income (Loss)
0
0
0
0
0
Commissions & Fees Earned
309
324
275
249
262
Net OTTI losses recognised in earnings
0
0
0
0
0
Other Non-Interest Income
-1,610
-1,984
-2,084
-2,176
-2,273
Provision for Loan Losses
-2,565
-3,072
-2,917
-2,952
-3,986
Net Revenue after Provisions
5,698
5,839
6,594
7,214
7,533
Total Non-Interest Expense
-2,322
-2,697
-3,208
-3,683
-3,963
Commissions & Fees Paid
-451
-449
-563
-645
-638
Other Operating Expense
-1,871
-2,248
-2,645
-3,038
-3,325
Operating Income (Loss)
3,376
3,142
3,386
3,531
3,570
Non-Operating Income (Loss)
0
0
0
0
0
Income (Loss) from Affiliates
0
0
0
0
0
Other Non-Operating Income (Loss)
0
0
0
0
0
Pretax Income (Loss), Adjusted
3,376
3,142
3,386
3,531
3,570
Abnormal Gains (Losses)
0
0
0
0
0
Debt Valuation Adjustment
0
0
0
0
0
Credit Valuation Adjustment
0
0
0
0
0
Merger / Acquisition Expense
0
0
0
0
0
Disposal of Assets
0
0
0
0
0
Early extinguishment of Debt
0
0
0
0
0
Asset Write-Down
0
0
0
0
0
Impairment of Goodwill & Intangibles
0
0
0
0
0
Sale of Business
0
0
0
0
0
Legal Settlement
0
0
0
0
0
Restructuring Charges
0
0
0
0
0
Other Abnormal Items
0
0
0
0
0
Pretax Income (Loss)
3,376
3,142
3,386
3,531
3,570
Income Tax (Expense) Benefit, net
-1,257
-1,163
-1,277
-1,317
-1,319
Current Income Tax
0
0
0
0
0
Deferred Income Tax
0
0
0
0
0
Tax Allowance/Credit
0
0
0
0
0
Income (Loss) from Affiliates, net of taxes
0
0
0
0
0
Income (Loss) from Continuing Operations
2,119
1,979
2,109
2,214
2,251
Net Extraordinary Gains (Losses)
0
0
0
0
0
Discontinued Operations
0
0
0
0
0
XO & Accounting Charges & Other
0
0
0
0
0
Income (Loss) Including Minority Interest
2,119
1,979
2,109
2,214
2,251
Minority Interest
0
0
0
0
0
Net Income
2,119
1,979
2,109
2,214
2,251
Preferred Dividends
0
0
0
0
0
Other Adjustments
0
0
0
0
0
Net Income Available to Common Shareholders
2,119
1,979
2,109
2,214
2,251
Remarks
restated on Feb 23, 2015 n/a
calculated values,
restated on Feb 25, 2016 n/a
calculated values,
restated on Feb 23, 2017 n/a
calculated values,
restated on Feb 23, 2017 n/a
calculated values,
restated on Feb 23, 2017 n/a
calculated values,
Balance SheetBS data quality: 100% (?)
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in million USD FY '12FY '13FY '14FY '15FY '16
Assets
Cash & Cash Equivalents
n/a
2,319
11,828
12,325
9,321
Interbank assets
n/a
0
0
0
0
Fed Funds Sold & Repos
n/a
0
0
0
0
Other Interbank Assets
n/a
0
0
0
0
Short and Long Term Investments
n/a
236
1,930
3,142
5,110
Trading Securities
n/a
0
0
0
0
Investment Securities Available for Sale
n/a
0
0
0
0
Investment Securities Held to Maturity
n/a
0
0
0
0
Real Estate Investments
n/a
0
0
0
0
Other Investments
n/a
0
0
0
0
Net Receivables
n/a
0
0
0
0
Net Loans
n/a
54,362
58,050
64,793
71,993
Reserve for Loan Losses
n/a
-2,892
-3,236
-3,497
-4,344
Total Loans
n/a
57,254
61,286
68,290
76,337
Total Commercial Loans
n/a
0
0
0
0
Commercial Real Estate Loans
n/a
0
0
0
0
Other Commercial Loans
n/a
0
0
0
0
Total Consumer Loans
n/a
0
0
0
0
Credit Card Loans
n/a
0
0
0
0
Home Equity Loans
n/a
0
0
0
0
Family Residential Loans
n/a
0
0
0
0
Auto Loans
n/a
0
0
0
0
Student Loans
n/a
0
0
0
0
Other Consumer Loans
n/a
0
0
0
0
Other Loans
n/a
0
0
0
0
Net Fixed Assets
n/a
0
0
0
0
Property, Plant & Equipment, Net
n/a
0
0
0
0
Operating Lease Assets
n/a
0
0
0
0
Other fixed assets
n/a
0
0
0
0
Intangible Assets
n/a
0
0
0
0
Goodwill
n/a
949
949
949
949
Other Intangible Assets
n/a
300
519
701
712
Investments in Associates
n/a
0
0
0
0
Deferred Tax Assets
n/a
0
0
0
0
Derivatives & Hedging
n/a
0
0
0
0
Discontinued Operations
n/a
0
0
0
0
Customer Acceptances & Liabilities
n/a
0
0
0
0
Other Assets
n/a
919
2,431
2,080
2,122
Total Assets
n/a
59,085
75,707
83,990
90,207
Liabilities and owners' equity
Total Deposits
n/a
25,719 25719000000
34,955 34955000000
43,367 43367000000
52,055 52055000000
Demand Deposits
n/a
0 0
0 0
0 0
0 0
Interest Bearing Deposits
n/a
25,360 25360000000
34,847 34847000000
43,215 43215000000
51,896 51896000000
Saving Deposits
n/a
0 0
0 0
0 0
0 0
Time Deposits
n/a
0 0
0 0
0 0
0 0
Other Deposits
n/a
359 359000000
108 108000000
152 152000000
159 159000000
Short Term Borrowings & Repos
n/a
0 0
0 0
0 0
0 0
Securities Sold Under Repo
n/a
0 0
0 0
0 0
0 0
Trading Account Liabilities
n/a
0 0
0 0
0 0
0 0
Short Term Capital Leases
n/a
0 0
0 0
0 0
0 0
Current Portion of Long Term Debt
n/a
0 0
0 0
0 0
0 0
Short Term Borrowings
n/a
0 0
0 0
0 0
0 0
Payables Broker Dealers
n/a
0 0
0 0
0 0
0 0
Long Term Debt
n/a
24,321 24321000000
27,460 27460000000
24,279 24279000000
20,147 20147000000
Long Term Capital Leases
n/a
0 0
0 0
0 0
0 0
Long Term Borrowings
n/a
0 0
0 0
0 0
0 0
Pension Liabilities
n/a
0 0
0 0
0 0
0 0
Pensions
n/a
0 0
0 0
0 0
0 0
Other Post-Retirement Benefits
n/a
0 0
0 0
0 0
0 0
Deferred Tax Liabilities
n/a
0 0
0 0
0 0
0 0
Derivatives & Hedging
n/a
0 0
0 0
0 0
0 0
Discontinued Operations
n/a
0 0
0 0
0 0
0 0
Other Liabilities
n/a
3,085 3085000000
2,814 2814000000
3,740 3740000000
3,809 3809000000
Total Liabilities
n/a
53,125 53125000000
65,229 65229000000
71,386 71386000000
76,011 76011000000
Preferred Equity
n/a
0 0
0 0
0 0
0 0
Share Capital & Additional Paid-In Capital
n/a
5,973 5973000000
9,409 9409000000
9,352 9352000000
9,394 9394000000
Common Stock
n/a
0 0
0 0
0 0
0 0
Additional Paid in Capital
n/a
0 0
0 0
0 0
0 0
Other Share Capital
n/a
0 0
0 0
0 0
0 0
Treasury Stock
n/a
0 0
0 0
0 0
-475 -475000000
Retained Earnings
n/a
0 0
1,079 1079000000
3,293 3293000000
5,330 5330000000
Other Equity
n/a
-13 -13000000
-10 -10000000
-41 -41000000
-53 -53000000
Equity Before Minority Interest
n/a
5,960 5960000000
10,478 10478000000
12,604 12604000000
14,196 14196000000
Minority Interest
n/a
0 0
0 0
0 0
0 0
Total Equity
n/a
5,960 5960000000
10,478 10478000000
12,604 12604000000
14,196 14196000000
Total Liabilities & Equity
n/a
59,085 59085000000
75,707 75707000000
83,990 83990000000
90,207 90207000000
Remarks restated on n/a restated on Feb 23, 2015 n/a restated on Feb 25, 2016 n/a restated on Feb 23, 2017 n/a restated on Jul 28, 2017 n/a
Cash Flow StatementCF data quality: 100% (?)
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in million USD FY '12FY '13FY '14FY '15FY '16
Net Income/Starting Line
2,119
1,979
2,109
2,214
2,251
Net Income
0
0
0
0
0
Net Income From Discontinued Operations
0
0
0
0
0
Other Adjustments
0
0
0
0
0
Depreciation & Amortization
83
104
131
174
219
Provision for Loan Losses
2,565
3,072
2,917
2,952
3,986
Non-Cash Items
-18
-237
-203
-295
389
Gain on Sale of Securities & Loans
0
0
0
0
0
Deferred Income Taxes
0
0
0
0
0
Stock-Based Compensation
0
0
0
0
0
Other Non-Cash Adjustments
0
0
0
0
0
Net Change in Operating Capital
888
761
386
1,139
-22
Trading Assets & Liabilities
0
0
0
0
0
Net Change of Investments
0
0
0
0
0
Net Change of Interbank Assets
0
0
0
0
0
Net Change of Interbank Liabilities
0
0
0
0
0
Net Change in Operating Loans
0
0
0
0
0
Accrued Interest Receivable
0
0
0
0
0
Accrued Interest Payable
0
0
0
0
0
Other Operating Assets/Liabilities
0
0
0
0
0
Net Cash From Discontinued Operations (operating)
0
0
0
0
0
Cash from Operating Activities
5,637
5,679
5,340
6,184
6,823
Change in Fixed Assets & Intangibles
0
0
0
0
0
Disposal of Fixed Assets & Intangibles
0
0
0
0
0
Capital Expenditures
0
0
0
0
0
Net Change in Investments
-846
-306
-1,376
-6,153
-3,434
Decrease in Investments
0
0
0
0
0
Decrease in HTM Investments
0
0
0
0
0
Decrease in AFS Investments
0
0
0
0
0
Increase in Investments
0
0
0
0
0
Increase in HTM Investments
0
0
0
0
0
Increase in AFS Investments
0
0
0
0
0
Net Change in Other Investments
0
0
0
0
0
Net Change in Loans & Interbank
-5,483
-7,026
-7,218
-4,922
-9,712
Net Change in Customer Loans
0
0
0
0
0
Net Change in Interbank Assets
0
0
0
0
0
Net Change in Other Loans
0
0
0
0
0
Net Cash From Acquisitions & Divestitures
0
6,393
0
0
0
Net Cash from Divestitures
0
0
0
0
0
Cash for Acqusition of Subsidiaries
0
0
0
0
0
Cash for Joint Ventures
0
0
0
0
0
Net Cash from Other Acquisitions
0
0
0
0
0
Other Investing Activities
-123
-127
-1,474
272
-174
Net Cash From Discontinued Operations (investing)
0
0
0
0
0
Cash from Investing Activities
-6,452
-1,066
-10,068
-10,803
-13,320
Dividends Paid
0
0
0
0
-214
Cash From (Repayment of) Debt
-5,874
-4,357
644
-7,015
-7,957
Cash From (Repayment of) Short Term Debt, net
0
0
0
0
0
Net Change in Interbank Transfers
0
0
0
0
0
Cash From (Repayment of) Long Term Debt, net
0
0
0
0
0
Repayments of Long Term Debt
0
0
0
0
0
Cash From Long Term Debt
0
0
0
0
0
Cash From (Repurchase of) Equity
7,799
866
5,170
3,868
3,315
Increase in Capital Stock
0
0
0
0
0
Decrease in Capital Stock
0
0
0
0
0
Net Change In Deposits
972
481
9,044
8,261
8,354
Other Financing Activities
-1,935
-618
-621
2
-5
Net Cash From Discontinued Operations (financing)
0
0
0
0
0
Cash from Financing Activities
962
-3,628
14,237
5,116
3,493
Net Cash Before Disc. Operations and FX
147
985
9,509
497
-3,004
Change in Cash from Disc. Operations and Other
0
0
0
0
0
Net Cash Before FX
147
985
9,509
497
-3,004
Effect of Foreign Exchange Rates
0
0
0
0
0
Net Changes in Cash
147
985
9,509
497
-3,004
Remarks
restated on Feb 23, 2015 n/a
calculated values,
restated on Feb 25, 2016 n/a
calculated values,
restated on Feb 23, 2017 n/a
calculated values,
restated on Feb 23, 2017 n/a
calculated values,
restated on Feb 23, 2017 n/a
calculated values,
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